Applications / Mortgage Analytics / Lenders / Minnesota / American Heritage National Bank
Long Prairie, MN · National bank · OCC · $587 million assets · 64 loans in 2025
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64
loans originated, 2025
68
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
American Heritage National Bank, a small Minnesota national bank, makes bigger home-purchase loans than most banks of its size, but it made 64 loans in 2025, 30% fewer than in 2024.
Its loans fell 30%, from 91 to 64. Similar lenders, national banks making between half and twice as many loans, grew 4%, and the whole market 10%. Only about one in ten similar lenders shrank faster. The bank has made fewer loans every year since 2022, when it made 113.
Its typical loan was $320,000, against $175,000 at similar lenders and $125,000 five years before. That is higher than about four in five of them. Jumbo loans, those larger than the conforming limit, were 10.3% of its lending, against 3.2%. Home purchases made up 73.4%, and every loan was conventional, with no government backing.
It lends more than most peers in poorer neighborhoods (low- and moderate-income, or LMI, tracts). They took 23.4% of its loans, against 16.1%, more than at about seven in ten similar lenders. Its share to LMI borrowers, 23.9%, sits near the middle. Just 3.1% went to majority-minority areas, against 7.8%. One possible reason is geography: its 19 counties are mostly in Minnesota and may hold few such areas.
St. Cloud is its largest market, and one it has served since 1990. Its share there fell from 2.5% to 1.3%, leaving it 20 of 243 lenders. The drop matches its smaller loan count; at this size a few loans move a share a long way.
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
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. American Heritage National Bank took 68 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 73.4% · Home improvement 12.5% · Refinance 12.5% · Other 1.6%
Conventional 100.0% · of 64 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 | 63 | 98.4% |
| Florida | 1 | 1.6% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| St. Cloud | 30 |
| Minneapolis-St. Paul-Bloomington | 16 |
| Duluth | 1 |
| Punta Gorda | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300G3WIMVDYUYQC27 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 61757 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 115037 | 1996–2017 |
Established 1 September 1881. Reported under HMDA 1996-2025.
Mergers, name changes, data editions and corrections: American Heritage National Bank's data.
American Heritage National Bank's data
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American Heritage National 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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