Official record
CDFI Fund list, 21 Oct 2026| Institution type | Bank or thrift |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 14 Feb 2014 |
| RSSD ID | 860053 |
| Address | 200 University Avenue West, St Paul, MN 55103 Directions (Google Maps) |
| Website | Not given on the official list (listed as “Non given”) |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Not yet verifiedWe have not yet read this lender's website, so we can't list its loan products, sizes or service area. That doesn't mean it lacks them. The official list gives no website for this lender; contact it at the address above.
Questions to ask when you contact them
We have no details from their website yet, so these are the basics to ask any lender. Something missing here does not mean they don't offer it: ask.
- What kinds of loans do you make, and which one fits what I need?
We have no loan details from their website. - Do you lend where I live, or where my business is?
- What are the smallest and the largest loans you make?
- What interest rate and fees should I expect? For a personal, car or home loan, ask for the APR.
- What documents will you need from me, and how long does a decision usually take?
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$8.6 million in 21 awards from the U.S. Treasury's CDFI Fund, 2001–2024 (Bank Enterprise Award Program; CDFI Program, Financial Assistance).
| Round year | Program | Amount |
|---|---|---|
| 2024 | Bank Enterprise Award Program | $280,369 |
| 2023 | Bank Enterprise Award Program | $437,350 |
| 2021 | Bank Enterprise Award Program | $170,699 |
| 2020 | Bank Enterprise Award Program | $202,898 |
| 2019 | Bank Enterprise Award Program | $245,547 |
| 2018 | Bank Enterprise Award Program | $233,244 |
| 2017 | Bank Enterprise Award Program | $233,389 |
| 2016 | Bank Enterprise Award Program | $227,282 |
| 2015 | Bank Enterprise Award Program | $265,496 |
| 2013 | Bank Enterprise Award Program | $323,000 |
| 2012 | Bank Enterprise Award Program | $311,225 |
| 2011 | Bank Enterprise Award Program | $500,000 |
| 2010 | Bank Enterprise Award Program | $600,000 |
| 2009 | Bank Enterprise Award Program | $700,000 |
| 2008 | Bank Enterprise Award Program | $675,000 |
| 2007 | Bank Enterprise Award Program | $500,000 |
| 2006 | Bank Enterprise Award Program | $500,000 |
| 2005 | Bank Enterprise Award Program | $500,000 |
| 2003 | Bank Enterprise Award Program | $795,969 |
| 2002 | Bank Enterprise Award Program | $165,750 |
| 2001 | CDFI Program, Financial Assistance | $750,000 |
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Branches and size
FDIC, 30 Jun 2026On file with the FDIC as Sunrise Banks, National Association (FDIC cert 18561). Source: FDIC BankFind Suite (public data): total assets from the Call Report as of 30 Jun 2026; office list as of 30 Oct 2026, downloaded 3 Nov 2026.
| Total assets | $2.8 billion (as of 30 Jun 2026) |
|---|---|
| Offices | 5 in 2 states (as of 30 Oct 2026) |
Offices by state and county (5)
Minnesota (3 offices)
- Hennepin County (2): 2100 Blaisdell Ave, Minneapolis 55404; 525 Washington Ave N, Minneapolis 55401
- Ramsey County (1): 2300 Como Ave, Saint Paul 55108
South Dakota (2 offices)
- Lincoln County (2): 5105 S Crossing Pl, Sioux Falls 57108 (main office); 5105 S Crossing Pl, Sioux Falls 57108
An office shows where the lender has a branch, not where it lends or whom it lends to.
What the regulator filing shows
Call Report, 30 Jun 2026Figures from the Call Report filed by Sunrise Banks, National Association (RSSD 860053, FDIC cert 18561). Source: FFIEC Central Data Repository, bulk Call Report data (public data), report date 30 Jun 2026; year-earlier figures from the 30 Jun 2025 report; downloaded 4 Nov 2026. Schedules RC-C Parts I and II, dollar amounts filed in thousands.
| Total loans and leases | $1.81 billion (as of 30 Jun 2026, net of unearned income) |
|---|---|
| Change over the year | Up 1.1% from $1.79 billion on 30 Jun 2025 |
| Total assets | $2.78 billion (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| Home mortgages (1-4 family, closed-end) | $243.6 million | 13.5% |
| Home equity lines of credit | $20.6 million | 1.1% |
| Commercial real estate, construction and multifamily | $1.09 billion | 60.4% |
| Commercial and industrial (business) loans | $128.5 million | 7.1% |
| Consumer loans (credit cards, auto, other) | $293.2 million | 16.2% |
| All other loans and leases | $30.1 million | 1.7% |
None reported on the 30 Jun 2026 report: farmland and farm production loans.
Within consumer loans: auto loans $5 million, credit cards $6 million.
Small business loans (original amount $1 million or less, balances on 30 Jun 2026)
| Original loan amount | Secured by business property | Commercial and industrial |
|---|---|---|
| Up to $100,000 | 14 loans $1.4 million | 166 loans $4.7 million |
| $100,001 to $250,000 | 56 loans $8.3 million | 99 loans $11.9 million |
| $250,001 to $1 million | 247 loans $110.8 million | 103 loans $39.8 million |
| All small business loans | 317 loans $120.6 million | 368 loans $56.3 million |
Balances are loans outstanding on the report date, not loans made during the year, and they include loans the bank bought. Shares are of gross loans and leases. The change over the year includes loans gained through mergers or bought from others. A category with no balance does not mean the bank never makes that kind of loan; ask the bank.
Home loans reported under HMDA (2025)
FFIEC HMDA data, 2025Sunrise Banks, N.A. reported 230 originated home loans for 2025 under the Home Mortgage Disclosure Act, totaling about $79M (median loan about $260,000). 199 were home-purchase loans.
By loan purpose
| Purpose | Loans | Share |
|---|---|---|
| Home purchase | 199 | 87% |
| Refinance (incl. cash-out) | 28 | 12% |
| Home improvement | 3 | 1.3% |
By loan type
| Loan type | Loans | Share |
|---|---|---|
| Conventional | 230 | 100% |
Included above: 15 loans on multifamily (5+ unit) properties.
Where the loans were made
Counties with the most 2025 originations, out of 23 counties with at least one; 97% of its 2025 loans were for properties in Minnesota:
- Hennepin County, MN (95)
- Ramsey County, MN (53)
- Dakota County, MN (25)
- Anoka County, MN (19)
- Scott County, MN (7)
- Washington County, MN (7)
- Sherburne County, MN (3)
- Lincoln County, SD (3)
Filed under LEI 549300HWDY3N8UVJO697 as “SUNRISE BANKS, N.A.”; matched by its RSSD ID on the CDFI Fund list, which the HMDA reporter panel links to this LEI.
Source: FFIEC Home Mortgage Disclosure Act (HMDA) data for 2025, snapshot frozen 2 Jun 2026, loan-level records read through the CFPB HMDA Data Browser API on 3 Nov 2026. Originated loans only; applications that were denied, withdrawn or not accepted are not counted. HMDA publishes each loan amount as the middle of a $10,000 band, so totals and medians are approximate. Counts under 3 are not shown. How we match lenders.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Median SBA 7(a) loan it approved, FY2020–FY2026 | $200,000 (179 loans) | All 7(a) lenders in Minnesota: $175,650. Larger than the median loan of 59% of the 97 other certified CDFIs with 10 or more 7(a) loans. |
| Variable-rate 7(a) loans: rate over prime at approval, FY2024–26 | median 2.75 pts, half between 2.25 pts and 2.75 pts (76 loans; 0% at the SBA maximum) | All lenders in Minnesota: median 2 pts, 4% at the maximum (2,995 loans). |
| SBA approvals, FY2023–24 → FY2025–26 | 45 → 50 | Rank among the 6 certified CDFIs in Minnesota with SBA approvals in either period: 1 → 1. |
| Total assets (Call Report, 30 Jun 2026) | $2.78 billion | Larger than 95% of the 321 other certified banks and bank holding companies nationwide (median $381.4 million). |
| Loans as a share of assets | 65% | Median of the same 321 banks and bank holding companies: 68%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $1.79 billion → $1.81 billion (+1%) | Median change of 321 other certified banks and bank holding companies nationwide: +7%. Rank by loans held among these 322: 13 → 13. |
| Home loans originated in 2025 (HMDA) | 230 | More than 70% of the 263 other certified CDFIs that reported 3 or more (119 at the median). Volume only; nothing here is an approval rate. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Median SBA 7(a) loan | certified CDFIs with 10+ 7(a) loans, nationwide | 97 | larger than 59% |
| Rate over prime | all variable-rate 7(a) loans in Minnesota, FY2024–26 | 2,995 | median 2.75 pts vs 2 pts |
| SBA approvals then vs now | certified CDFIs in Minnesota with SBA approvals FY2023–2026 | 5 | rank 1 → 1 of 6 |
| Call Report total assets | other certified banks and bank holding companies nationwide | 321 | larger than 95% |
| Loans held then vs now | certified banks and bank holding companies nationwide reporting both dates | 321 | rank 13 → 13 of 322 |
| HMDA home loans | certified CDFIs with 3+ originations in 2025, nationwide | 263 | more than 70% |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered; your rate depends on the loan and on the lender's review. Peer groups and sources: methodology. SBA 7(a) & 504 FOIA data as of 30 Sep 2026. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section). Home loans: FFIEC/CFPB HMDA data.
SBA loans approved
SBA data as of 30 Sep 2026The SBA's public loan data lists 179 SBA-backed approvals for Sunrise Banks, N.A. in fiscal years 2020–2026 (October 2019 to September 2026):
- 179 7(a) loans as the lender: $80.1M in total (gross amount approved), median $200,000
By fiscal year: FY2020 38 · FY2021 26 · FY2022 20 · FY2023 18 · FY2024 27 · FY2025 23 · FY2026 27.
What actually happened
- Size of its 7(a) loans: half were between $73,250 and $468,750, median $200,000 (179 loans)
- Term of its 7(a) loans: median 120 months (10 years) (179 loans)
- Interest rate at approval on its 7(a) loans in FY2025–26: median 9.50%, half between 9.25% and 10.00% (50 loans; SBA's initial rate, before any change on a variable loan)
- Fixed or variable: 3% of its 7(a) loans had a fixed rate (179 loans)
- Young businesses: 59% of its 7(a) loans went to a startup or a business two years old or less (177 loans with an answer)
Descriptive only: what the SBA file records for loans this lender approved in fiscal years 2020–2026. Each figure covers at least 10 loans; with fewer we show nothing. It is not an offer, not the rate or term you would get, and says nothing about your chance of approval.
By program
- 7(a) standard (132, 74%)
- 7(a) SBA Express (46, 26%)
- 7(a) working-capital and trade lines (1, 1%)
Borrower industries
NAICS sector, 3 or more loans.
- Accommodation and food services (66)
- Retail trade (32)
- Other services (except public administration) (20)
- Health care and social assistance (13)
- Professional, scientific, and technical services (12)
Where borrowers are
County of the borrower's ZIP code, 3 or more loans.
- Hennepin County, MN (104)
- Ramsey County, MN (36)
- Dakota County, MN (13)
- Anoka County, MN (9)
- Minnehaha County, SD (3)
How this lender was matched in the SBA files: FDIC cert 18561, found through the RSSD ID on the CDFI Fund list (SBA lists “Sunrise Banks National Association”).
Approved is not the same as paid out: an approved loan can be reduced or never drawn. SBA lists the lender each loan is currently assigned to, which can differ after a merger or loan sale. Sunrise Banks, N.A. may also make loans outside SBA programs, which are not counted here, and SBA Microloans are not in these files.
Source: U.S. Small Business Administration, 7(a) & 504 FOIA loan data, files as of 30 Sep 2026, downloaded 3 Nov 2026. Our counts, cancelled approvals left out. How we match lenders.
Other certified CDFIs in St Paul and Minnesota
- African Economic Development SolutionsLoan fund · St Paul, MNCredit-builder loans, Microloans, Small-business loansVerified
- Community Neighborhood Housing ServicesLoan fund · St Paul, MNOfficial list only
- African Development CenterLoan fund · Minneapolis, MNMicroloans, SBA-backed loans (7(a)/504/Community Advantage), Small-business loansVerified
- Community Reinvestment Fund, IncLoan fund · Minneapolis, MNSmall-business loansVerified
- First Children's FinanceLoan fund · Minneapolis, MNChild-care facility financing, Small-business loansVerified
- Greater Minnesota Housing FundLoan fund · St. Paul, MNAffordable housing development loansVerified
Work at Sunrise Banks, N.A.? Link to this page
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