Applications / Mortgage Analytics / Lenders / Minnesota / Pine Country Bank
Little Falls, MN · State non-member bank · FDIC · $384 million assets · 39 loans in 2025
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39
loans originated, 2025
47
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Pine Country Bank, a small bank in Little Falls, Minnesota, made 39 home loans in 2025, its first HMDA report since 2018, in the year it merged with First State Bank of Sauk Centre.
The bank filed no HMDA report from 2019 to 2024. Since 2020 a bank making fewer than 100 closed-end loans a year need not report, so those years are gaps, not years without lending. Its 39 loans in 2025 compare with 21 in 2018 and with 48 at the middle of similar lenders (state non-member banks making between half and twice as many loans). The merger with First State Bank of Sauk Centre may account for some of the rise.
Half its loans (51.3%) bought homes and a quarter (25.6%) paid for home improvement. Every loan was conventional. Its typical loan, $125,000, was smaller than the $165,000 at the middle of its peers, and smaller than at about three in four of them.
Low- and moderate-income (LMI) borrowers took 41.7% of its loans, against 26.9% at the middle of its peers and more than at about four in five of them. Only 10.3% of its loans were in LMI neighborhoods, against 19.0%, and none in majority-minority areas. Its lending sits in ten counties, which may hold few such neighborhoods.
In St. Cloud it ranked 90 of 243 lenders, with 0.1% of the market. CBRE Multifamily Capital and Magnifi Financial Credit Union led there.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. Pine Country Bank took 47 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 51.3% · Home improvement 25.6% · Refinance 12.8% · Other 10.3%
Conventional 100.0% · of 39 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 | 97.4% |
| Wisconsin | 1 | 2.6% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| St. Cloud | 11 |
| Minneapolis-St. Paul-Bloomington | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300HDE2HTZZL30G11 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 761459 | 2010–2018 |
| Respondent ID (the HMDA filer code before 2018) | 313652 | 2009–2017 |
Established 11 May 1927. Reported under HMDA 2009-2025.
Mergers, name changes, data editions and corrections: Pine Country Bank's data.
Pine Country Bank's data
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