A turn after a long fall
It made 250 loans, up from 215, while similar lenders, state non-member banks making between half and twice as many loans, grew 9%. The count had fallen every year from 867 in 2020.
Applications / Mortgage Analytics / Lenders / Minnesota / Northview Bank
Northview Bank
Sandstone, MN · State non-member bank · FDIC · $470 million assets · 250 loans in 2025
Northview Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
250
loans originated, 2025
439
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Northview Bank, of Sandstone, MN, lends heavily on manufactured homes, and its lending rose 16% in 2025 after four years of decline.
Manufactured homes
Manufactured homes took 15.2% of its loans, against 2.5% at similar lenders, more than at nearly nine in ten. Purchases made up 70.8% of its lending. None of its loans was jumbo (larger than the conforming limit), and its typical loan, $185,000, was near the middle of peers.
Poorer neighborhoods, fewer poorer borrowers
Low- and moderate-income (LMI) neighborhoods took 22.4% of its loans, against 17.4% at peers, more than at about two-thirds of them. LMI borrowers took 23.2%, against 28.4%; its non-metro markets and loan mix may account for the difference.
Gaining in Duluth
In Duluth, MN-WI its share rose to 1.2% from 0.9%, a rank of 22 of 318. North Shore Bank of Commerce leads there. In non-metro Minnesota, its largest market, it ranks 39 of 536, and it lends in 40 counties across 4 states.
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
250 loans in 2025, against a peak of 867 in 2020.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Northview Bank took 439 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
70.8% of its 2025 loans were purchase loans; all were conventional loans.
Purchase 70.8% · Refinance 15.6% · Other 11.2% · Home improvement 2.4%
Conventional 100.0% · of 250 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
4 states, 2 metros, 40 counties
| State | Loans | Share |
|---|---|---|
| Minnesota | 232 | 92.8% |
| Wisconsin | 16 | 6.4% |
| Iowa | 1 | 0.4% |
| South Dakota | 1 | 0.4% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Duluth | 73 |
| Minneapolis-St. Paul-Bloomington | 21 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300VJ9DGB4OZNPL63 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 16551 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 310956 | 2004–2017 |
Established 1 January 1908. Reported under HMDA 2004-2025.
Mergers, name changes, data editions and corrections: Northview Bank's data.
The data and the software behind these pages
Northview Bank's data
$215
Northview 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.
Buy Northview Bank's data, $215Jenner Mortgage Analytics: all the data
$2,110
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.
Buy the data, $2,110Jenner, the SAS-compatible software
See prices
Jenner runs programs written in the SAS language. It drew every chart on these pages and fitted the fair-lending model, PROC GLIMMIX on 3.5 million applications. Run the programs that come with the data, or your own.
Get JennerQuestions, or the data and Jenner together: [email protected]