Back up, but below its peak
Its loans rose 33% to 84, while similar lenders, national banks making between half and twice as many loans, grew 6%. It grew faster than about four in five of them. It is still well short of 2020, when it made 219 loans.
Applications / Mortgage Analytics / Lenders / Minnesota / F & M Community Bank
F & M Community Bank
Preston, MN · National bank · OCC · $214 million assets · 84 loans in 2025
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84
loans originated, 2025
94
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
F & M Community Bank, a small Minnesota national bank, lends to poorer households far more often than similar banks, and its lending rose 33% in 2025.
More poorer borrowers
42.1% of its loans went to low- and moderate-income (LMI) borrowers, against 22.6% at similar lenders, higher than nearly nine in ten of them. That was up from 30.5% a year earlier. In LMI neighborhoods its share was 22.6%, against 16.1%.
Small loans for buyers
Purchases made up 51.2% of its loans, all of them conventional. Its typical loan, $150,000, was smaller than at about two in three similar lenders, whose typical loan was $185,000. That keeps its dollar total down, at $14.9 million.
Rochester comes first
In Rochester, MN its share rose by 0.1 points to 0.8%, ranking 32 of 276 lenders. In 2025 it made its first loans in North Port-Bradenton-Sarasota and Des Moines-West Des Moines, where its shares round to 0.0%.
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
84 loans in 2025, against a peak of 219 in 2020.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. F & M Community Bank took 94 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
51.2% of its 2025 loans were purchase loans; all were conventional loans.
Purchase 51.2% · Refinance 28.6% · Other 15.5% · Home improvement 4.8%
Conventional 100.0% · of 84 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
4 states, 5 metros, 13 counties
| State | Loans | Share |
|---|---|---|
| Minnesota | 79 | 94.0% |
| Wisconsin | 3 | 3.6% |
| Florida | 1 | 1.2% |
| Iowa | 1 | 1.2% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Rochester | 71 |
| Des Moines-West Des Moines | 1 |
| La Crosse-Onalaska | 1 |
| Minneapolis-St. Paul-Bloomington | 1 |
| North Port-Bradenton-Sarasota | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 2549008O36ZLTWMCKU62 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 171759 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 124356 | 2003–2017 |
Established 11 March 1911. Reported under HMDA 2003-2025.
Mergers, name changes, data editions and corrections: F & M Community Bank's data.
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