Applications / Mortgage Analytics / Lenders / Minnesota / Harvest Bank
Kimball, MN · State non-member bank · FDIC · $235 million assets · 59 loans in 2025
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59
loans originated, 2025
60
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Harvest Bank is a one-county Minnesota lender whose small loans reach more borrowers of modest means than most banks of its size.
Low- and moderate-income (LMI) borrowers took 42.9% of its loans, against 26.9% at similar lenders, which here means state non-member banks making between half and twice as many loans. That was higher than at about seven in eight of them, and up from 23.1% a year earlier. Its typical loan, $115,000, was smaller than the $170,000 of its peers.
Home improvement and purchases each took 32.2% of its loans, other purposes 23.7% and refinancing 11.9%. Every loan was conventional, and none was jumbo.
All its lending is in a single county, in the St. Cloud area, where it has lent since at least 1990. It ranked 81 of 243 lenders there, with 0.2% of the market, unchanged from a year earlier; CBRE Multifamily Capital led. None of its loans was in an LMI or majority-minority neighborhood, which may simply reflect the neighborhoods of that one county.
It made 59 loans in 2025, the same as in 2024, while similar lenders grew by 8%. It filed no report from 2020 to 2022, when a bank making fewer than 100 closed-end loans a year need not report; those years are gaps, not years without lending.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. Harvest Bank took 60 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 32.2% · Purchase 32.2% · Other 23.7% · Refinance 11.9%
Conventional 100.0% · of 59 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 | 15 | 25.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| St. Cloud | 15 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 54930076NULTCIRS5P09 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 28152 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 311415 | 1990–2017 |
Established 8 August 1901. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Harvest Bank's data.
Harvest Bank's data
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