Applications / Mortgage Analytics / Lenders / Minnesota / Woodlands National Bank
Hinckley, MN · National bank · OCC · $312 million assets · 26 loans in 2025
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26
loans originated, 2025
50
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Woodlands National Bank, a small Minnesota lender, made 26 home loans in 2025, a fraction of the 122 it made in 2020.
Its loans fell from 122 in 2020 to 40 in 2022 and have drifted lower since. In 2025 they slipped 4%, while similar lenders, national banks making between half and twice as many loans, fell 14% at the typical bank. Its fall was smaller than at about three in five of them, in a year when the whole market grew 10%.
Its loans totaled $5.2 million, less than at about three-quarters of similar lenders. Its typical loan was $140,000, against $185,000 at its peers, though with 26 loans a few large or small ones move that figure a long way. Half of its loans financed purchases and 38.5% were refinances.
Its largest share is in Duluth, where it ranks 107 of 318 lenders with 0.1% of lending, down from 0.2%. At its size, a handful of loans more or fewer is enough to move that share. It has also lent in Minneapolis-St. Paul since 2006, but its share there rounds to nothing.
With 26 loans, its shares of lending to poorer borrowers and neighborhoods, of government-backed loans and of manufactured homes rest on a handful of loans each. They can swing sharply from year to year and say little about the bank's lending.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Woodlands National Bank took 50 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 50.0% · Refinance 38.5% · Home improvement 7.7% · Other 3.8%
Conventional 80.8% · FHA 19.2% · of 26 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 | 96.2% |
| Wisconsin | 1 | 3.8% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Minneapolis-St. Paul-Bloomington | 13 |
| Duluth | 4 |
| Madison | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493003QF1L7XNSWRM19 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 980951 | 2006–2023 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 98095 | 2020–2020 |
| Respondent ID (the HMDA filer code before 2018) | 123926 | 2006–2017 |
Established 1 October 1908. Reported under HMDA 2006-2025.
Mergers, name changes, data editions and corrections: Woodlands National Bank's data.
Woodlands National Bank's data
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Woodlands 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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