HMDA 2025
Mortgage lenders in Minnesota
Lenders reported 207,324 home-loan applications for properties in Minnesota in 2025; 122,504 became loans and the denial rate on decided applications was 16.2%. The busiest county was Hennepin County with 43,986 applications.
Most active lenders across Minnesota's counties
- U.S. Bank National Association 12,282 applications
- UNITED SHORE FINANCIAL SERVICES, LLC 8,728 applications
- Bell Bank 7,967 applications
- Rocket Mortgage, LLC 7,816 applications
- PENNYMAC LOAN SERVICES, LLC 7,039 applications
- TRUSTONE FINANCIAL CREDIT UNION 5,959 applications
- AFFINITY PLUS 5,415 applications
- NEWREZ LLC 4,001 applications
- Blaze Credit Union 3,929 applications
- CROSSCOUNTRY MORTGAGE, INC. 3,858 applications
- Wings Financial Credit Union 3,806 applications
- JPMorgan Chase Bank, National Association 3,633 applications
- Fairway Independent Mortgage Corporation 3,396 applications
- Broker Solutions, Inc. 3,220 applications
- The Huntington National Bank 3,119 applications
Counties
| County | Applications | Lenders | Denial rate | Purchase / refi loans |
|---|---|---|---|---|
| Aitkin County | 822 | 170 | 17.4% | 254 / 123 |
| Anoka County | 15,259 | 390 | 18.4% | 4,776 / 2,101 |
| Becker County | 1,259 | 136 | 15.0% | 407 / 233 |
| Beltrami County | 971 | 134 | 16.6% | 260 / 145 |
| Benton County | 1,486 | 162 | 19.0% | 495 / 234 |
| Big Stone County | 151 | 51 | 15.6% | 48 / 18 |
| Blue Earth County | 1,770 | 182 | 14.9% | 629 / 309 |
| Brown County | 655 | 108 | 12.7% | 249 / 117 |
| Carlton County | 1,501 | 157 | 16.2% | 448 / 248 |
| Carver County | 5,082 | 289 | 13.7% | 1,709 / 736 |
| Cass County | 1,311 | 218 | 15.8% | 401 / 258 |
| Chippewa County | 278 | 83 | 19.9% | 98 / 32 |
| Chisago County | 2,729 | 224 | 17.9% | 751 / 438 |
| Clay County | 2,575 | 163 | 14.8% | 871 / 382 |
| Clearwater County | 235 | 61 | 11.6% | 76 / 58 |
| Cook County | 297 | 91 | 16.0% | 88 / 54 |
| Cottonwood County | 257 | 64 | 16.7% | 92 / 45 |
| Crow Wing County | 2,996 | 246 | 15.8% | 986 / 514 |
| Dakota County | 17,858 | 435 | 17.3% | 5,823 / 2,344 |
| Dodge County | 802 | 123 | 13.7% | 262 / 148 |
| Douglas County | 1,287 | 183 | 14.3% | 423 / 209 |
| Faribault County | 330 | 85 | 23.3% | 115 / 39 |
| Fillmore County | 677 | 110 | 16.8% | 223 / 107 |
| Freeborn County | 947 | 122 | 19.8% | 332 / 128 |
| Goodhue County | 1,604 | 198 | 14.7% | 566 / 260 |
| Grant County | 190 | 62 | 17.7% | 68 / 28 |
| Hennepin County | 43,986 | 576 | 15.7% | 15,041 / 5,685 |
| Houston County | 584 | 102 | 9.1% | 216 / 118 |
| Hubbard County | 657 | 144 | 20.0% | 195 / 134 |
| Isanti County | 2,129 | 196 | 20.3% | 588 / 324 |
| Itasca County | 1,666 | 170 | 18.6% | 468 / 270 |
| Jackson County | 264 | 67 | 22.7% | 78 / 40 |
| Kanabec County | 785 | 126 | 18.4% | 204 / 120 |
| Kandiyohi County | 1,192 | 152 | 14.1% | 412 / 198 |
| Kittson County | 78 | 33 | 17.7% | 25 / 19 |
| Koochiching County | 292 | 62 | 13.4% | 126 / 30 |
| Lac qui Parle County | 133 | 50 | 28.0% | 38 / 23 |
| Lake County | 600 | 102 | 14.5% | 193 / 116 |
| Lake of the Woods County | 138 | 59 | 6.3% | 42 / 31 |
| Le Sueur County | 1,074 | 156 | 15.0% | 339 / 177 |
| Lincoln County | 189 | 61 | 17.2% | 73 / 21 |
| Lyon County | 597 | 110 | 15.4% | 215 / 95 |
| Mahnomen County | 139 | 48 | 22.2% | 44 / 22 |
| Marshall County | 209 | 57 | 13.3% | 76 / 29 |
| Martin County | 532 | 113 | 20.4% | 187 / 75 |
| McLeod County | 1,313 | 153 | 14.3% | 456 / 207 |
| Meeker County | 770 | 142 | 15.3% | 242 / 157 |
| Mille Lacs County | 1,410 | 183 | 18.6% | 452 / 204 |
| Morrison County | 1,137 | 158 | 17.3% | 346 / 185 |
| Mower County | 1,355 | 145 | 19.5% | 499 / 159 |
| Murray County | 231 | 74 | 15.1% | 100 / 18 |
| Nicollet County | 981 | 136 | 14.6% | 389 / 163 |
| Nobles County | 435 | 88 | 18.0% | 175 / 55 |
| Norman County | 200 | 69 | 18.7% | 61 / 30 |
| Olmsted County | 5,774 | 291 | 14.3% | 2,109 / 775 |
| Otter Tail County | 1,994 | 201 | 14.6% | 573 / 394 |
| Pennington County | 269 | 55 | 13.9% | 106 / 38 |
| Pine County | 1,351 | 172 | 21.6% | 354 / 212 |
| Pipestone County | 310 | 72 | 24.0% | 105 / 41 |
| Polk County | 909 | 109 | 14.3% | 318 / 146 |
| Pope County | 308 | 93 | 15.5% | 90 / 66 |
| Ramsey County | 16,065 | 427 | 16.6% | 5,512 / 1,976 |
| Red Lake County | 81 | 32 | 4.8% | 29 / 21 |
| Redwood County | 430 | 94 | 21.9% | 139 / 61 |
| Renville County | 401 | 107 | 16.8% | 129 / 65 |
| Rice County | 2,036 | 208 | 13.9% | 714 / 322 |
| Rock County | 334 | 73 | 13.9% | 108 / 51 |
| Roseau County | 349 | 68 | 13.3% | 125 / 65 |
| Scott County | 6,536 | 310 | 16.1% | 2,068 / 921 |
| Sherburne County | 4,765 | 273 | 16.1% | 1,446 / 748 |
| Sibley County | 527 | 108 | 16.5% | 185 / 87 |
| Stearns County | 5,097 | 258 | 13.8% | 1,809 / 862 |
| Steele County | 1,163 | 148 | 17.0% | 393 / 190 |
| Stevens County | 210 | 60 | 19.3% | 68 / 27 |
| St. Louis County | 6,914 | 324 | 15.5% | 2,290 / 1,069 |
| Swift County | 245 | 72 | 20.7% | 85 / 28 |
| Todd County | 790 | 124 | 17.6% | 248 / 136 |
| Traverse County | 75 | 44 | 16.9% | 34 / 7 |
| Wabasha County | 776 | 115 | 17.4% | 260 / 118 |
| Wadena County | 324 | 102 | 21.4% | 100 / 67 |
| Waseca County | 524 | 102 | 16.3% | 190 / 62 |
| Washington County | 12,517 | 388 | 15.5% | 4,174 / 1,575 |
| Watonwan County | 222 | 69 | 19.5% | 82 / 34 |
| Wilkin County | 225 | 58 | 23.2% | 55 / 34 |
| Winona County | 1,472 | 132 | 12.2% | 516 / 292 |
| Wright County | 7,712 | 329 | 15.3% | 2,653 / 1,111 |
| Yellow Medicine County | 214 | 68 | 20.2% | 72 / 31 |