Applications / Mortgage Analytics / Lenders / Minnesota / Castle Rock Bank
Castle Rock, MN · State non-member bank · FDIC · $290 million assets · 50 loans in 2025
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50
loans originated, 2025
55
applications, 2025
5
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Castle Rock Bank, a small Minnesota bank, lends to low- and moderate-income borrowers far more often than similar lenders do.
Some 46.2% of its loans went to low- and moderate-income (LMI) borrowers, against 27.5% at similar lenders (state non-member banks making between half and twice as many loans), higher than about nine in ten. A year earlier the share was 39.2%. Its share in LMI neighborhoods, 18.8%, was near the middle.
Its typical loan was $265,000, against $165,000 at similar lenders, higher than about four in five. Purchases made up 54.0% of originations, and other-purpose loans 24.0%.
Originations fell 11% to 50, while similar lenders grew 5%. At about 50 loans a year, a handful either way moves the count. It filed no reports for 2020 to 2022, gaps in the record rather than years without lending, and reported again from 2023.
It has lent in Minneapolis-St. Paul-Bloomington since at least 1990 and ranks 222 of 688 there, behind Bell Bank and United Wholesale Mortgage. In 2025 it entered Punta Gorda, Phoenix-Mesa-Chandler and Charlotte-Concord-Gastonia, with too few loans in each to read much into.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. Castle Rock Bank took 55 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 54.0% · Other 24.0% · Home improvement 14.0% · Refinance 8.0%
Conventional 100.0% · of 50 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 | 44 | 88.0% |
| Arizona | 1 | 2.0% |
| Florida | 1 | 2.0% |
| North Carolina | 1 | 2.0% |
| Wisconsin | 1 | 2.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Minneapolis-St. Paul-Bloomington | 38 |
| Charlotte-Concord-Gastonia | 1 |
| Phoenix-Mesa-Chandler | 1 |
| Punta Gorda | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 25490074OSKMLQ1W0I88 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 152253 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 31913 | 1990–2016 |
Established 16 August 1916. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Castle Rock Bank's data.
Castle Rock Bank's data
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Castle Rock Bank and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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