Applications / Mortgage Analytics / Lenders / Minnesota / Valley Premier Bank
Hawley, MN · State non-member bank · FDIC · $147 million assets · 45 loans in 2025
Valley Premier Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
45
loans originated, 2025
49
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Valley Premier Bank is a small Minnesota bank whose lending centers on the Fargo area, and its loan count rose by more than a third in 2025.
It made 45 loans in 2025, up 36% from 33. Similar lenders (state non-member banks making between half and twice as many loans) grew 3%, and the whole market 10%. Its growth was faster than about four in five similar lenders. On numbers this small, a dozen loans makes that difference, so one year says little about a trend.
Purchases were 46.7% of its loans. Other loans took 20.0%, refinances 17.8% and home improvement 15.6%. Its typical loan, $135,000, was smaller than the $165,000 at similar lenders, which may reflect its many home-improvement and other loans.
Fargo is its one metro market, where it has lent since at least 1990. It ranked 45 of 207 lenders, with 0.3% of the dollars, the same share as a year earlier. Bell Bank led the market. The bank filed no HMDA report for 2019 to 2022, so its record has a gap there rather than 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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. Valley Premier Bank took 49 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 46.7% · Other 20.0% · Refinance 17.8% · Home improvement 15.6%
Conventional 100.0% · of 45 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 | 25 | 55.6% |
| North Dakota | 6 | 13.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Fargo | 31 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300BQRQCIPWG06A21 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 1008955 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 311409 | 1990–2017 |
Established 1 August 1892. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Valley Premier Bank's data.
Valley Premier Bank's data
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Valley Premier 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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