A home buyers' bank
Home purchases made up 81.0% of its loans in 2025, and every loan was conventional. Its typical loan, $175,000, was close to the $165,000 at similar lenders, state non-member banks making between half and twice as many loans.
Applications / Mortgage Analytics / Lenders / Minnesota / Lakeview Bank
Lakeview Bank
Lakeville, MN · State non-member bank · FDIC · $188 million assets · 58 loans in 2025
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58
loans originated, 2025
65
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Lakeview Bank, a small Minnesota state bank, lends mainly to home buyers and makes more of its loans to modest earners and in poorer neighborhoods than most similar banks.
More lending to modest earners
Borrowers with low or moderate incomes (LMI) took 36.4% of its loans, against 26.9% at similar banks, higher than about three in four of them. Poorer neighborhoods took 31.0%, against 18.6%. Majority-minority neighborhoods took 15.5%, against 6.5%, higher than about two-thirds of peers. On 58 loans a few loans move these shares, but all three were high in 2024 as well.
Modest growth, small shares
It made 58 loans, up 21%, while similar banks grew 8%. Its largest market is Minneapolis-St. Paul, where it ranked 199 of 688 lenders, with a very small share. It first lent in Mankato in 2025.
Gaps in the record
Established in 2004, the bank first reported in 2007. It filed no report from 2020 to 2022, when a bank making fewer than 100 closed-end loans a year need not report. Those are gaps in the record, not years without lending.
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
58 loans in 2025, against a peak of 66 in 2019.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. Lakeview Bank took 65 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
81.0% of its 2025 loans were purchase loans; all were conventional loans.
Purchase 81.0% · Other 12.1% · Refinance 5.2% · Home improvement 1.7%
Conventional 100.0% · of 58 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
3 states, 3 metros, 16 counties
| State | Loans | Share |
|---|---|---|
| Minnesota | 54 | 93.1% |
| Wisconsin | 3 | 5.2% |
| Florida | 1 | 1.7% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Minneapolis-St. Paul-Bloomington | 46 |
| Mankato | 2 |
| Naples-Marco Island | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300Q88XHYAWBJTS50 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3253834 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 357785 | 2007–2017 |
Established 8 July 2004. Reported under HMDA 2007-2025.
Mergers, name changes, data editions and corrections: Lakeview Bank's data.
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