Applications / Mortgage Analytics / Lenders / Minnesota / Community Resource Bank
Northfield, MN · State member bank · FRS · $542 million assets · 91 loans in 2025
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91
loans originated, 2025
107
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Community Resource Bank, a Minnesota bank, lends mostly to home buyers, and it made 91 loans in 2025, 25% more than a year earlier.
Originations rose from 73. Similar lenders (state member banks making between half and twice as many loans) grew 8%, and the whole market 10%; the bank grew faster than about seven in ten of those peers. Its dollar total, $34.4 million, was above their typical $27.7 million.
Home purchases were 80.2% of its loans. Its typical loan was $255,000, against $175,000 at similar lenders, higher than about three-quarters of them. Jumbo loans (larger than the conforming limit) were 5.1%, against 1.5%. All were conventional.
Low- and moderate-income (LMI) areas took 24.2% of its loans, against 16.6% at similar lenders, and majority-minority areas 9.9%, against 5.6%. Its share to LMI borrowers, 22.6%, was lower than about two-thirds of peers. A book heavy in purchases and larger loans is one possible reason.
It ranked 164 of 688 lenders in Minneapolis-St. Paul-Bloomington, where it has lent since 2000. Its share in Rochester, MN rose 0.1 points. It made 68 loans in 2023.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Community Resource Bank took 107 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 80.2% · Refinance 14.3% · Other 3.3% · Home improvement 2.2%
Conventional 100.0% · of 91 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 | 89 | 97.8% |
| Wisconsin | 2 | 2.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Minneapolis-St. Paul-Bloomington | 50 |
| Rochester | 2 |
| Duluth | 1 |
| St. Cloud | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493006PPEKKNUB9O715 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 813853 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 113350 | 2000–2005 |
| Respondent ID (the HMDA filer code before 2018) | 2813853 | 2006–2017 |
Established 18 September 1878. Reported under HMDA 2000-2025.
Mergers, name changes, data editions and corrections: Community Resource Bank's data.
Community Resource Bank's data
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Community Resource 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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