Applications / Mortgage Analytics / Lenders / Minnesota / Gateway Bank
Mendota Heights, MN · State non-member bank · FDIC · $301 million assets · 27 loans in 2025
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27
loans originated, 2025
30
applications, 2025
5
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Gateway Bank, a state bank in Mendota Heights, Minnesota, is a small home lender: it made 27 loans in 2025, fewer than about three in four similar banks.
Its loans fell from 35 in 2024 to 27, a drop of 23%, while similar banks (state non-member banks making between half and twice as many loans) made 4% fewer. The typical bank in that group made 38. At this size a few loans more or less swing every share, so its mix of products and borrowers says little.
In every year it reported since 2018 it made between 27 and 38 loans. It filed no report for 2020, 2021 or 2022. Those are gaps in the record, not years without lending; since 2020 a bank making fewer than 100 closed-end loans a year need not report. It was established in 2004 and first reported in 2006.
In Minneapolis-St. Paul, where it has lent since 2006, it ranks 261 of 688 lenders. Bell Bank leads that market. Its loans reached five states and 12 counties in 2025, including a few new markets such as Rapid City, South Dakota, and Madison, Wisconsin.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. Gateway Bank took 30 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 44.4% · Purchase 37.0% · Home improvement 11.1% · Other 7.4%
Conventional 100.0% · of 27 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 | 22 | 81.5% |
| Wisconsin | 2 | 7.4% |
| Florida | 1 | 3.7% |
| Mississippi | 1 | 3.7% |
| South Dakota | 1 | 3.7% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Minneapolis-St. Paul-Bloomington | 20 |
| Madison | 1 |
| Punta Gorda | 1 |
| Rapid City | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300K25LF5SIJKLD23 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3223417 | 2006–2023 |
| Respondent ID (the HMDA filer code before 2018) | 357644 | 2006–2017 |
Established 20 January 2004. Reported under HMDA 2006-2025.
Mergers, name changes, data editions and corrections: Gateway Bank's data.
Gateway Bank's data
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