Applications / Mortgage Analytics / Lenders / Minnesota / FNB Moose Lake
Moose Lake, MN · National bank · OCC · $139 million assets · 47 loans in 2025
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47
loans originated, 2025
74
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
FNB Moose Lake is a small Minnesota bank that lends almost entirely to home buyers, and its loans fell in 2025 while similar banks' rose.
Purchases made up 83.0% of its 47 loans, and every loan was conventional. Its typical loan of $245,000 was larger than at about seven in ten similar lenders, meaning national banks making between half and twice as many loans, where it was $175,000.
Its loans fell 11%, from 53 to 47, while similar lenders grew 2% and the whole market 10%. A lender this reliant on purchases may depend on how many homes change hands nearby, and on so few loans a handful either way decides the year. It filed no reports for 2020 and 2021; those are gaps in the record, not years without lending.
Its share of Duluth, MN-WI lending fell to 0.3% from 0.6%, ranking it 57th of 318 lenders. North Shore Bank of Commerce leads that market. On so few loans, a handful of sales decides the share. The bank has reported there since 2004.
Majority-minority neighborhoods took 23.4% of its loans, against 8.2% at similar lenders, and poorer neighborhoods (low- and moderate-income tracts) also 23.4%, against 16.7%.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. FNB Moose Lake took 74 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 83.0% · Refinance 10.6% · Other 4.3% · Home improvement 2.1%
Conventional 100.0% · of 47 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 | 45 | 95.7% |
| Wisconsin | 2 | 4.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Duluth | 17 |
| Minneapolis-St. Paul-Bloomington | 15 |
| St. Cloud | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300MX8VQ8VRHIUY36 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 706058 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 112947 | 2004–2017 |
Established 21 June 1926. Reported under HMDA 2004-2025.
Mergers, name changes, data editions and corrections: FNB Moose Lake's data.
FNB Moose Lake's data
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FNB Moose Lake 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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