Applications / Mortgage Analytics / Lenders / Minnesota / Minnesota National Bank
Sauk Centre, MN · National bank · OCC · $291 million assets · 105 loans in 2025
Minnesota National Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
105
loans originated, 2025
106
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Minnesota National Bank is a one-county lender in Sauk Centre whose volume has barely moved in five years: 105 loans in 2025, against 104 in 2020.
Its loans fell 7% in 2025, to 105, while similar lenders (national banks making between half and twice as many loans) grew 7% and the whole market grew 10%. The bank made 131 in 2022 and 102 in 2023, so a swing of this size is ordinary for it. It still makes more loans than about three in five similar banks.
Home purchases made up 58.1% of its loans and refinancing 19.0%. Every loan was conventional, and none was jumbo (larger than the conforming limit). Its typical loan, $175,000, sits close to the $182,500 of similar banks.
Manufactured homes took 9.5% of its loans, against 1.7% at similar banks. That is a higher share than about three-quarters of them. It may simply reflect the kind of homes buyers in its one county want to finance.
In St. Cloud, its only metro, it ranked 37 of 243 lenders and held 0.7% of the dollars lent, down from 1.1%. It has lent there since at least 1990. CBRE Multifamily Capital led the market, followed by Magnifi Financial Credit Union. The bank's own dollars rose, from $25.3 million to $27.1 million, so the fall in share may reflect bigger lending by rivals rather than any retreat.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Minnesota National Bank took 106 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 58.1% · Refinance 19.0% · Other 14.3% · Home improvement 8.6%
Conventional 100.0% · of 105 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 | 36 | 34.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| St. Cloud | 36 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900FKPTR6FQ8IH565 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 799751 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 16417 | 1990–2017 |
Established 11 September 1902. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Minnesota National Bank's data.
Minnesota National Bank's data
$215
Minnesota 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.
Buy Minnesota National Bank'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]