Applications / Mortgage Analytics / Lenders / Minnesota / Heritage Bank / Competition
Heritage Bank
Spicer, MN · National bank · OCC · $393 million assets · 232 loans in 2025
Heritage Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
232
loans originated, 2025
376
applications, 2025
38
states and territories
0
gaps bigger than at similar lenders
Who Heritage Bank competes with, by dollars lent in 2025, in its five largest markets and the three it entered most recently. A Pareto chart puts the lenders in order of size and draws their running share, so the reader sees how concentrated each market is: where the line climbs steeply, a few lenders hold most of it.
FIG. 1 — NON-METRO MINNESOTA, 2025
Heritage Bank ranks 69th of 536 lenders in non-metro Minnesota, with $17.1M lent: 0.3% of a $5.28B market.
non-metro Minnesota is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Heritage Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 31% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 2 — MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI, 2025
Heritage Bank ranks 247th of 688 lenders in Minneapolis-St. Paul-Bloomington, MN-WI, with $8.5M lent: 0.0% of a $27.60B market.
Minneapolis-St. Paul-Bloomington, MN-WI is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Heritage Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 32% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 3 — NEW YORK-NEWARK-JERSEY CITY, NY-NJ, 2025
Heritage Bank ranks 527th of 802 lenders in New York-Newark-Jersey City, NY-NJ, with $4.2M lent: 0.0% of a $144.16B market.
New York-Newark-Jersey City, NY-NJ is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Heritage Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 39% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 4 — LAS VEGAS-HENDERSON-NORTH LAS VEGAS, NV, 2025
Heritage Bank ranks 273rd of 489 lenders in Las Vegas-Henderson-North Las Vegas, NV, with $3.9M lent: 0.0% of a $19.26B market.
Las Vegas-Henderson-North Las Vegas, NV is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Heritage Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 33% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 5 — DALLAS-FORT WORTH-ARLINGTON, TX, 2025
Heritage Bank ranks 609th of 1,026 lenders in Dallas-Fort Worth-Arlington, TX, with $2.8M lent: 0.0% of a $63.42B market.
Dallas-Fort Worth-Arlington, TX is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Heritage Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 31% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 6 — PANAMA CITY-PANAMA CITY BEACH, FL, 2025
Heritage Bank ranks 144th of 443 lenders in Panama City-Panama City Beach, FL, with $2.0M lent: 0.1% of a $1.96B market.
Panama City-Panama City Beach, FL is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and Heritage Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 39% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 7 — ATLANTIC CITY-HAMMONTON, NJ, 2025
Heritage Bank ranks 238th of 423 lenders in Atlantic City-Hammonton, NJ, with $1.5M lent: 0.0% of a $4.46B market.
Atlantic City-Hammonton, NJ is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and Heritage Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 33% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 8 — LAKE HAVASU CITY-KINGMAN, AZ, 2025
Heritage Bank ranks 158th of 356 lenders in Lake Havasu City-Kingman, AZ, with $1.2M lent: 0.1% of a $1.74B market.
Lake Havasu City-Kingman, AZ is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and Heritage Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 44% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
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Heritage 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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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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