Applications / Mortgage Analytics / Lenders / Minnesota / VisionBank
Saint Louis Park, MN · State non-member bank · FDIC · $257 million assets · 15 loans in 2025
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15
loans originated, 2025
24
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
VisionBank is a small Minnesota bank whose home lending has shrunk for two years running, to 15 loans in 2025, even as it spread into three new metros.
It made 32 loans in 2023, 25 in 2024 and 15 in 2025, a fall of 40% in the latest year. Similar lenders (state non-member banks making between half and twice as many loans) fell 20%, while the whole market rose 10%. At this size a handful of borrowers can swing the count, so the decline may say more about a few deals than about a change of strategy.
It first reported under HMDA in 2010 but filed no report from 2018 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.
Its lending centers on Minneapolis-St. Paul-Bloomington, where it has been since 2010 and ranked 226 of 688 lenders. In 2025 it also lent for the first time in St. Cloud, Duluth and Riverside-San Bernardino-Ontario in California. Its share of each market rounds to 0.1% or less.
With 15 loans, its shares of purchases, refinances, jumbo loans or lending in poorer neighborhoods rest on too few borrowers to compare with its peers. Every loan it made was conventional, as at the typical similar lender.
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, 2023–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. VisionBank took 24 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 60.0% · Refinance 33.3% · Home improvement 6.7%
Conventional 100.0% · of 15 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 | 14 | 93.3% |
| California | 1 | 6.7% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Minneapolis-St. Paul-Bloomington | 11 |
| St. Cloud | 2 |
| Duluth | 1 |
| Riverside-San Bernardino-Ontario | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900VCWCM4JYEUI429 | 2023–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3357077 | 2010–2017 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3357068 | 2023–2023 |
| Respondent ID (the HMDA filer code before 2018) | 358063 | 2010–2017 |
Established 12 September 2005. Reported under HMDA 2010-2025.
Mergers, name changes, data editions and corrections: VisionBank's data.
VisionBank's data
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