A rise in St. Cloud
Its share of St. Cloud, its largest market, rose from 1.2% to 2.9%, putting it 9 of 243 lenders. CBRE Multifamily Capital and Magnifi Financial Credit Union lead. It has lent there since at least 1990.
Applications / Mortgage Analytics / Lenders / Minnesota / Sentry Bank
Sentry Bank
Saint Joseph, MN · State non-member bank · FDIC · $375 million assets · 96 loans in 2025
Sentry Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
96
loans originated, 2025
105
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Sentry Bank, a Minnesota bank, more than doubled its share of the St. Cloud market in 2025 and now ranks ninth there.
Growth after a long slide
Loans rose 60%, to 96, faster than more than nine in ten similar lenders, state non-member banks making between half and twice as many loans. The typical peer grew by 9%. The rise follows four years of decline, from 214 loans in 2020 to 60 in 2024, so the bank is still well below its earlier level.
Larger loans than peers
Its typical loan was $275,000, against $175,000 at similar banks, larger than at more than four in five of them. Purchases made up 69.8% of its lending, and every loan was conventional, without government backing.
A typical community lender
Its lending to low- and moderate-income borrowers, 26.4%, and to poorer neighborhoods, 18.8%, sat near the middle of its peers. Few of its loans, 2.1%, went to majority-minority neighborhoods, against 6.2% at peers; its focus on St. Cloud and rural Minnesota may account for 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
96 loans in 2025, against a peak of 214 in 2020.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Sentry Bank took 105 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
69.8% of its 2025 loans were purchase loans; all were conventional loans.
Purchase 69.8% · Refinance 21.9% · Home improvement 7.3% · Other 1.0%
Conventional 100.0% · of 96 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
3 states, 4 metros, 19 counties
| State | Loans | Share |
|---|---|---|
| Minnesota | 92 | 95.8% |
| Wisconsin | 3 | 3.1% |
| Arizona | 1 | 1.0% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| St. Cloud | 60 |
| Minneapolis-St. Paul-Bloomington | 20 |
| Phoenix-Mesa-Chandler | 1 |
| Rochester | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493009L8OBHJQW5DQ13 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 746157 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 38546 | 1990–2017 |
Established 4 November 1904. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Sentry Bank's data.
The data and the software behind these pages
Sentry Bank's data
$215
Sentry 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.
Buy Sentry Bank's data, $215Jenner Mortgage Analytics: all the data
$2,110
Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
Buy the data, $2,110Jenner, the SAS-compatible software
See prices
Jenner runs programs written in the SAS language. It drew every chart on these pages and fitted the fair-lending model, PROC GLIMMIX on 3.5 million applications. Run the programs that come with the data, or your own.
Get JennerQuestions, or the data and Jenner together: [email protected]