Applications / Mortgage Analytics / Lenders / Minnesota / Alliance Bank
Lake City, MN · State non-member bank · FDIC · $758 million assets · 85 loans in 2025
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85
loans originated, 2025
128
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Alliance Bank, a Minnesota lender in city and rural markets across three states, made 6% fewer loans in 2025 but lent more money.
Its loans fell 6% to 85, while similar lenders (state non-member banks making between half and twice as many loans) grew 9%. Yet the amount it lent rose to $27.5 million from $22.3 million, so it may have made fewer but larger loans. It has made fewer loans every year since 2020, when it made 518.
Purchases were 51.8% of its loans and refinances 31.8%, and all were conventional. Its typical loan of $195,000 was somewhat larger than the $175,000 at similar lenders.
In Rochester, MN its share rose to 0.2% from 0.1%, ranking 75 of 276 lenders; United Wholesale Mortgage and Think Mutual Bank led. In Mankato, MN it fell to 0.3% from 0.5%, though it still ranked 39 of 180. Its smaller overall number of loans may account for the slip.
None of its loans were in majority-minority areas, against 6.5% at similar lenders. Some 11.8% were in low- and moderate-income (LMI) areas, lower than at about seven in ten of them. Much of its lending is in rural Minnesota and Wisconsin, where such areas may be few. Its share to LMI borrowers, 24.6%, was near the middle.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Alliance Bank took 128 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 51.8% · Refinance 31.8% · Other 12.9% · Home improvement 3.5%
Conventional 100.0% · of 85 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Minnesota | 78 | 91.8% |
| Wisconsin | 6 | 7.1% |
| Florida | 1 | 1.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Minneapolis-St. Paul-Bloomington | 19 |
| Mankato | 12 |
| Rochester | 10 |
| Punta Gorda | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300SKSQ3IYUXJCH36 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 166652 | 2004–2023 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 59259 | 2004–2006 |
| Respondent ID (the HMDA filer code before 2018) | 310973 | 2004–2017 |
Established 1 January 1867. Reported under HMDA 2004-2025.
Mergers, name changes, data editions and corrections: Alliance Bank's data.
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