Applications / Mortgage Analytics / Lenders / Minnesota / Eagle Rock Bank
Rochester, MN · State non-member bank · FDIC · $272 million assets · 45 loans in 2025
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45
loans originated, 2025
47
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Eagle Rock Bank, a Rochester, MN home-purchase lender, made 45 loans in 2025, up 73% from 26, while similar lenders grew 3%.
Few similar lenders grew as fast. Its rise of 73% was faster than about nineteen in twenty of them (state non-member banks making between half and twice as many loans). But 2024 was its low point. It made 75 loans in 2023, so part of the rise may be a return toward earlier levels. It filed no report for 2020 to 2022, and at 45 loans a handful more or fewer moves the total a long way.
Home purchases made up 73.3% of its loans and refinances 24.4%. All were conventional, with no government backing. It lends in 14 counties in 2 states, mostly in Minnesota.
It has lent in Rochester, MN since 2004. United Wholesale Mortgage and Think Mutual Bank lead that market. In 2025 it made its first loans in Racine-Mount Pleasant, WI.
It lends more to low- and moderate-income (LMI) borrowers than most of its peers: 37.0% of its loans, against 27.7% at similar lenders, more than about seven in ten of them. It made 15.6% in LMI areas, near peers' 18.7%. It made none in majority-minority areas, where peers made 5.6%; the counties it lends in may explain that.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. Eagle Rock Bank took 47 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 73.3% · Refinance 24.4% · Other 2.2%
Conventional 100.0% · of 45 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 | 38 | 84.4% |
| Wisconsin | 7 | 15.6% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Rochester | 33 |
| Milwaukee-Waukesha | 2 |
| Minneapolis-St. Paul-Bloomington | 2 |
| Racine-Mount Pleasant | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300Y6FW0UWRZJW587 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 2391588 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 122997 | 2004–2017 |
Established 9 May 1996. Reported under HMDA 2004-2025.
Mergers, name changes, data editions and corrections: Eagle Rock Bank's data.
Eagle Rock Bank's data
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