Applications / Mortgage Analytics / Lenders / Minnesota / Neighborhood National Bank
Mora, MN · National bank · OCC · $309 million assets · 74 loans in 2025
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74
loans originated, 2025
96
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Neighborhood National Bank, a Minnesota national bank, makes about as many home loans as similar banks but leans further toward manufactured homes and borrowers of modest means.
Manufactured homes made up 13.5% of its 74 loans in 2025, against 1.2% at the typical similar lender, meaning other national banks making between half and twice as many loans. That is higher than more than eight in ten of them. Its typical loan, $155,000, is smaller than the peer figure of $185,000, which fits a book that includes cheaper homes.
Of its loans, 29.4% went to low- and moderate-income borrowers, against 23.2% at similar banks, higher than about two-thirds of them. Only 1.4% went to majority-minority neighborhoods, against 7.7%. Its largest market is non-metro Minnesota, and the make-up of the rural counties it serves is one possible reason.
Home purchases made up 48.6% of its lending and home improvement 18.9%. Every loan was conventional, with no government-backed lending, as at the typical similar bank.
It made 144 loans in 2021 and 61 in 2023, and has stayed near that level since: 74 in 2025, against 76 the year before. Similar banks grew 4% and the whole market 10%. The record does not say why its lending fell.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Neighborhood National Bank took 96 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 48.6% · Refinance 25.7% · Home improvement 18.9% · Other 6.8%
Conventional 100.0% · of 74 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 | 72 | 97.3% |
| North Dakota | 1 | 1.4% |
| Utah | 1 | 1.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Minneapolis-St. Paul-Bloomington | 20 |
| Fargo | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300G6F5FVAHSGKU13 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 705556 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 115161 | 2009–2017 |
Established 26 September 1963. Reported under HMDA 2009-2025.
Mergers, name changes, data editions and corrections: Neighborhood National Bank's data.
Neighborhood National Bank's data
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Neighborhood 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.
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