A refinancing bank
Refinances made up 45.5% of its lending and purchases only 27.3%. Home improvement and other purposes took 13.6% each. All its loans were conventional and none was jumbo.
Applications / Mortgage Analytics / Lenders / Minnesota / First State Bank of Wyoming
First State Bank of Wyoming
Wyoming, MN · State non-member bank · FDIC · $244 million assets · 22 loans in 2025
First State Bank of Wyoming's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
22
loans originated, 2025
26
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First State Bank of Wyoming, a small bank in Wyoming, Minnesota, made 22 home loans in 2025, mostly refinances and other non-purchase loans.
Smaller loans than its peers
Its typical loan was $125,000, against $175,000 at the typical similar lender, a state non-member bank making between half and twice as many loans. Its loans totaled $3.2 million, down from $5.8 million. Home-improvement and other loans tend to be small, which may account for part of the gap.
Slow decline, with gaps
It made 41 loans in 2018, 26 in 2024 and 22 in 2025, while similar lenders fell 10%. It filed no report from 2020 to 2022; since 2020 a bank making fewer than 100 closed-end loans a year need not report, so those years are gaps in the record, not years without lending. With 22 loans, its shares of lending to poorer borrowers and neighborhoods rest on a handful of deals.
A local bank in a big market
It lends in three Minnesota counties, and its one metro market is Minneapolis-St. Paul-Bloomington. That market was worth $27.60B in 2025; the bank ranked 352 of 688 lenders and Bell Bank led. It has lent there since 1990.
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
22 loans in 2025, against a peak of 41 in 2018.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. First State Bank of Wyoming took 26 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
45.5% of its 2025 loans were refinance loans; all were conventional loans.
Refinance 45.5% · Purchase 27.3% · Home improvement 13.6% · Other 13.6%
Conventional 100.0% · of 22 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
1 state, 1 metro, 3 counties
| State | Loans | Share |
|---|---|---|
| Minnesota | 22 | 100.0% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Minneapolis-St. Paul-Bloomington | 22 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900GRI3U90GF3IF79 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 222156 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 31609 | 1990–2017 |
Established 4 June 1914. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: First State Bank of Wyoming's data.
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