Applications / Mortgage Analytics / Lenders / Minnesota / Foresight Bank
Plainview, MN · State non-member bank · FDIC · $423 million assets · 97 loans in 2025
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97
loans originated, 2025
110
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Foresight Bank is a Minnesota home-purchase lender that ranks 16th of 276 lenders in Rochester, MN, but its loans fell by about a quarter in 2025.
Purchases made up 77.3% of its 97 loans, and every loan was conventional. Its typical loan of $245,000 was larger than at more than three-quarters of similar lenders, meaning state non-member banks making between half and twice as many loans, where it was $175,000.
Its loans fell 27%, from 132 to 97, while similar lenders grew 9% and the whole market 10%. Only about one in twenty similar lenders fell further. The figures cannot say whether it chose to lend less or lost buyers to rivals.
Its share of Rochester lending fell to 1.6% from 2.6%. United Wholesale Mortgage and Think Mutual Bank lead that market. It may reflect the same drop in its own lending. The bank has reported in Rochester since 2013.
Low- and moderate-income borrowers took 29.8% of its loans, against 27.2% at similar lenders, close to the middle of the group.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Foresight Bank took 110 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 77.3% · Refinance 18.6% · Home improvement 2.1% · Other 2.1%
Conventional 100.0% · of 97 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 | 95 | 97.9% |
| Colorado | 1 | 1.0% |
| Wisconsin | 1 | 1.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Rochester | 76 |
| Minneapolis-St. Paul-Bloomington | 3 |
| Denver-Aurora-Centennial | 1 |
| Duluth | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300URHBBJ2KIQ3616 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 755458 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 35229 | 2013–2017 |
Established 7 June 1902. Reported under HMDA 2013-2025.
Mergers, name changes, data editions and corrections: Foresight Bank's data.
Foresight Bank's data
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Foresight 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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