Applications / Mortgage Analytics / Lenders / Minnesota / Northwestern Bank
Dilworth, MN · National bank · OCC · $169 million assets · 51 loans in 2025
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51
loans originated, 2025
54
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Northwestern Bank, a small national bank in Dilworth, Minnesota, made 46% more loans in 2025, most of them refinances and most of them to low- and moderate-income borrowers.
Its loans rose from 35 to 51, faster than nearly nine in ten similar lenders (national banks making between half and twice as many loans), which grew 3%. Refinances made up 64.7% of its lending and purchases 27.5%. Its typical loan was $135,000, against $185,000 at peers.
Low- and moderate-income (LMI) borrowers took 60.0% of its loans, against 22.5% at the typical peer, higher than almost all of them. Yet LMI neighborhoods took just 3.9%, against 16.7%. It lends in only two counties, so it may simply have few such neighborhoods within reach.
It filed no report for 2020, 2021 or 2022; banks making fewer than 100 closed-end loans a year need not. Those years are gaps, not years without lending. It made 80 loans in 2023 and 35 in 2024, so its volume moves a good deal from year to year.
Fargo is its only metro market. It has lent since at least 1990 and ranks 42 of 207 lenders. Bell Bank and Gate City Bank lead that market.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. 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. Northwestern Bank took 54 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 64.7% · Purchase 27.5% · Home improvement 5.9% · Other 2.0%
Conventional 100.0% · of 51 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 | 18 | 35.3% |
| North Dakota | 8 | 15.7% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Fargo | 26 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300X2ZT06KCNAN962 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 207555 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 39746 | 1990–2001 |
| Respondent ID (the HMDA filer code before 2018) | 124372 | 2003–2017 |
Established 1 July 1915. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Northwestern Bank's data.
Northwestern Bank's data
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Northwestern 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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