Applications / Mortgage Analytics / Lenders / Minnesota / Harbor Pointe Credit Union
Duluth, MN · Credit union · NCUA · $152 million assets · 103 loans in 2025
Harbor Pointe Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
103
loans originated, 2025
106
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Harbor Pointe Credit Union nearly doubled its lending in 2025, to 103 loans, and gained ground in Duluth, its home market.
Its loans rose 94%, from 53 to 103, faster than about nineteen in twenty similar lenders, which here means credit unions making between half and twice as many loans. Those peers grew by 8% and the whole market by 10%. The rise follows four years of decline from a peak of 159 loans in 2020.
Refinancing made up 50.5% of its loans and purchases 36.9%, with home improvement at 8.7%. Every loan was conventional. Its typical loan, $135,000, was higher than the $100,000 of similar lenders.
It has lent in Duluth since 1991. Its share there rose 0.4 points to 1.2%, ranking it 23 of 318 lenders. North Shore Bank of Commerce led the market, followed by National Bank of Commerce.
Low- and moderate-income (LMI) borrowers took 32.1% of its loans, against 29.8% at similar lenders, and LMI neighborhoods 17.5%, against 17.3%. Both put it near the middle of its peers.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Harbor Pointe Credit Union took 106 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 50.5% · Purchase 36.9% · Home improvement 8.7% · Other 3.9%
Conventional 100.0% · of 103 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 | 96 | 93.2% |
| Wisconsin | 7 | 6.8% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Duluth | 97 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900CCCPJ8S6GUIT87 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 218092 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 560207 | 1990–2016 |
Established 1 January 1933. Reported under HMDA 1991-2025.
Mergers, name changes, data editions and corrections: Harbor Pointe Credit Union's data.
Harbor Pointe Credit Union's data
$215
Harbor Pointe Credit Union 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 Harbor Pointe Credit Union'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]