Applications / Mortgage Analytics / Lenders / Wisconsin / National Bank of Commerce / Competition
National Bank of Commerce
Superior, WI · National bank · OCC · $2.2 billion assets · 502 loans in 2025
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502
loans originated, 2025
589
applications, 2025
6
states and territories
0
gaps bigger than at similar lenders
Who National Bank of Commerce 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
National Bank of Commerce ranks 14th of 536 lenders in non-metro Minnesota, with $76.9M lent: 1.5% 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 National Bank of Commerce 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. 2 — DULUTH, MN-WI, 2025
National Bank of Commerce ranks 2nd of 318 lenders in Duluth, MN-WI, with $68.4M lent: 5.0% of a $1.36B market.
Duluth, MN-WI is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and National Bank of Commerce 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 42% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 3 — MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI, 2025
National Bank of Commerce ranks 92nd of 688 lenders in Minneapolis-St. Paul-Bloomington, MN-WI, with $52.2M lent: 0.2% 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 National Bank of Commerce 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. 4 — LA CROSSE-ONALASKA, MN-WI, 2025
National Bank of Commerce ranks 28th of 213 lenders in La Crosse-Onalaska, MN-WI, with $8.4M lent: 0.9% of a $926.5M market.
La Crosse-Onalaska, MN-WI is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and National Bank of Commerce 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 50% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 5 — ST. CLOUD, MN, 2025
National Bank of Commerce ranks 31st of 243 lenders in St. Cloud, MN, with $8.2M lent: 0.8% of a $1.04B market.
St. Cloud, MN is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and National Bank of Commerce 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 43% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 6 — AUSTIN-ROUND ROCK-SAN MARCOS, TX, 2025
National Bank of Commerce ranks 635th of 753 lenders in Austin-Round Rock-San Marcos, TX, with $465K lent: 0.0% of a $22.41B market.
Austin-Round Rock-San Marcos, TX is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and National Bank of Commerce 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. 7 — BILLINGS, MT, 2025
National Bank of Commerce ranks 153rd of 201 lenders in Billings, MT, with $405K lent: 0.0% of a $1.35B market.
Billings, MT is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and National Bank of Commerce 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 52% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 8 — OSHKOSH-NEENAH, WI, 2025
National Bank of Commerce ranks 212th of 231 lenders in Oshkosh-Neenah, WI, with $145K lent: 0.0% of a $1.02B market.
Oshkosh-Neenah, WI is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and National Bank of Commerce 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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National Bank of Commerce 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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