Applications / Mortgage Analytics / Lenders / Minnesota / Star Bank
Maple Lake, MN · State non-member bank · FDIC · $465 million assets · 85 loans in 2025
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85
loans originated, 2025
95
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Star Bank, of Maple Lake, Minnesota, is a small-loan, home-purchase lender that lends to low- and moderate-income borrowers more often than most similar banks.
Low- and moderate-income (LMI) borrowers took 39.0% of its loans, against 27.7% at similar lenders, state non-member banks making between half and twice as many loans. That is more than at four in five of them. A year earlier the share was 41.3%.
Its typical loan was $115,000, against $175,000 at similar banks, smaller than at more than four in five of them. Home purchases made up 56.5% of its loans, refinances 18.8% and home improvement 17.6%. Home-improvement loans, which tend to be small, may pull its typical size down.
It made 85 loans, two more than in 2024 and exactly as many as the typical similar bank. Its loans rose 2%, while similar banks grew 9% and the whole market 10%. It filed no report for 2020 to 2022, a gap in the record rather than years without lending.
It lends across 19 counties in two states. It ranks 136 of 536 lenders in non-metro Minnesota and 184 of 688 in the Minneapolis-St. Paul area, where its share rose 0.1 points to 0.1%. In 2025 it made its first loans in non-metro Wisconsin.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. Star Bank took 95 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 56.5% · Refinance 18.8% · Home improvement 17.6% · Other 7.1%
Conventional 100.0% · of 85 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 | 84 | 98.8% |
| Wisconsin | 1 | 1.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Minneapolis-St. Paul-Bloomington | 28 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300MNZNDD5FZ2PF62 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 715050 | 2006–2023 |
| Respondent ID (the HMDA filer code before 2018) | 417985 | 2005–2010 |
| Respondent ID (the HMDA filer code before 2018) | 1717985 | 2011–2012 |
| Respondent ID (the HMDA filer code before 2018) | 35095 | 2013–2017 |
Established 15 August 1904. Reported under HMDA 2005-2025.
Mergers, name changes, data editions and corrections: Star Bank's data.
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