Applications / Mortgage Analytics / Lenders / Minnesota / Tradition Capital Bank
Wayzata, MN · State non-member bank · FDIC · $2.6 billion assets · 34 loans in 2025
Tradition Capital Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
34
loans originated, 2025
36
applications, 2025
7
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Tradition Capital Bank, a Minnesota bank, makes few mortgages of its own and buys more loans than it originates.
It made 34 loans in 2025, the same as in 2024. Similar lenders, state non-member banks making between half and twice as many loans, typically made 45. From 2019 to 2022 it made between 120 and 129 loans a year, before falling to 60 in 2023. One possible reason is that it now buys more loans than it makes. On so few loans its shares and typical loan swing widely from year to year.
It bought 62 loans from other lenders in 2025, nearly double the 34 it made itself. The typical similar bank bought none, so it bought more than nearly all its peers. It bought 43 in 2024.
Its loans reached 7 states, from Minneapolis-St. Paul-Bloomington, where it has lent since 2006, to Phoenix and Dallas. In 2025 it first lent in non-metro Montana.
All its loans were conventional, as at the typical similar bank. Purchases made up 55.9% of its lending, refinancing 26.5% and home improvement 17.6%. It made no loans on manufactured homes.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Tradition Capital Bank took 36 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 55.9% · Refinance 26.5% · Home improvement 17.6%
Conventional 100.0% · of 34 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 | 25 | 73.5% |
| Arizona | 3 | 8.8% |
| Wisconsin | 2 | 5.9% |
| California | 1 | 2.9% |
| Florida | 1 | 2.9% |
| Montana | 1 | 2.9% |
| Texas | 1 | 2.9% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Minneapolis-St. Paul-Bloomington | 23 |
| Phoenix-Mesa-Chandler | 3 |
| Dallas-Plano-Irving | 1 |
| Naples-Marco Island | 1 |
| Riverside-San Bernardino-Ontario | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900J67JRUY8SSE075 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3344321 | 2006–2023 |
| Respondent ID (the HMDA filer code before 2018) | 358057 | 2006–2017 |
Established 1 July 2005. Reported under HMDA 2006-2025.
Mergers, name changes, data editions and corrections: Tradition Capital Bank's data.
Tradition Capital Bank's data
$215
Tradition Capital 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 Tradition Capital 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]