A home-purchase lender
Home purchases made up 81.4% of its loans and refinancing 11.6%. Its typical loan, $195,000, is close to the $175,000 at similar lenders, meaning national banks making between half and twice as many loans.
Applications / Mortgage Analytics / Lenders / Minnesota / Miners NB of Eveleth
Miners NB of Eveleth
Eveleth, MN · National bank · OCC · $99.5 million assets · 43 loans in 2025
Miners NB of Eveleth's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
43
loans originated, 2025
66
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Miners NB of Eveleth is a small Minnesota home-purchase lender whose loans fell by a third in 2025.
Fewer loans
It made 43 loans, down 33% from 64, while its peers were flat and the whole market grew 10%. A purchase lender this small depends on a few dozen home sales a year, so a handful either way moves the count.
Losing ground in Duluth
Duluth, MN-WI is its largest market, where it has lent since at least 1990. Its share there fell from 1.0% to 0.6%, and it ranked 39 of 318 lenders, a slip that may simply follow from its own lower count. North Shore Bank of Commerce leads, with $141.4M.
Poorer neighborhoods
It made 23.3% of its loans in low- and moderate-income neighborhoods, against 16.7% at its peers. Its share to low- and moderate-income borrowers, 23.8%, is near the peers' 24.5%.
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
43 loans in 2025, against a peak of 197 in 2020.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Miners NB of Eveleth took 66 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
81.4% of its 2025 loans were purchase loans; all were conventional loans.
Purchase 81.4% · Refinance 11.6% · Home improvement 4.7% · Other 2.3%
Conventional 100.0% · of 43 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
2 states, 3 metros, 9 counties
| State | Loans | Share |
|---|---|---|
| Minnesota | 41 | 95.3% |
| Wisconsin | 2 | 4.7% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Duluth | 34 |
| Minneapolis-St. Paul-Bloomington | 2 |
| St. Cloud | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900237R332M8L2724 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 43856 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 16991 | 1990–2017 |
Established 10 October 1903. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Miners NB of Eveleth's data.
The data and the software behind these pages
Miners NB of Eveleth's data
$215
Miners NB of Eveleth 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 Miners NB of Eveleth'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]