Minnesota · HMDA 2025
Mortgage lenders in Beltrami County, MN
134 lenders reported 971 home-loan applications in Beltrami County in 2025. 593 closed as loans ($119.7M), 122 were denied — a 16.6% denial rate on decided applications, close to the Minnesota rate of 16.2%. The three most active lenders handled 36% of applications, led by AFFINITY PLUS. 16 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 971
- Loans originated
- 593
- Purchase / refinance
- 260 / 145
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Beltrami County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | AFFINITY PLUS | 221 | 22.8% | — |
| 2 | Deerwood Bank 68 out of 100, Moderate | 80 | 8.2% | 5.2% |
| 3 | National Bank of Commerce 70 out of 100, Strong | 52 | 5.4% | 4.8% |
| 4 | U.S. Bank National Association 55 out of 100, Moderate | 42 | 4.3% | 39.5% |
| 5 | Rocket Mortgage, LLC | 40 | 4.1% | — |
| 6 | Mortgage Research Center, LLC | 30 | 3.1% | — |
| 7 | UNITED SHORE FINANCIAL SERVICES, LLC | 25 | 2.6% | — |
| 8 | PENNYMAC LOAN SERVICES, LLC | 24 | 2.5% | — |
| 9 | Bank Forward 70 out of 100, Strong | 20 | 2.1% | 1.3% |
| 10 | NEWREZ LLC | 18 | 1.9% | — |
| 11 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 16 | 1.6% | 14.1% |
| 12 | AMERICAN PACIFIC MORTGAGE CORPORATION | 15 | 1.5% | — |
| 13 | Discover Bank | 14 | 1.4% | — |
| 14 | EVERETT FINANCIAL, INC. | 14 | 1.4% | — |
| 15 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 13 | 1.3% | 22.2% |
| 16 | Fairway Independent Mortgage Corporation | 13 | 1.3% | — |
| 17 | PLAZA HOME MORTGAGE, INC. | 13 | 1.3% | — |
| 18 | KODABANK 75 out of 100, Strong | 11 | 1.1% | 0.0% |
| 19 | SOFI BANK, NATIONAL ASSOCIATION | 11 | 1.1% | — |
| 20 | Loandepot.Com, LLC | 9 | 0.9% | — |
| 21 | Broker Solutions, Inc. | 9 | 0.9% | — |
| 22 | Servion, Inc. | 8 | 0.8% | — |
| 23 | Coastal Community Bank 35 out of 100, Low | 8 | 0.8% | 3.0% |
| 24 | Navy Federal Credit Union 66 out of 100, Moderate | 7 | 0.7% | 32.9% |
| 25 | FREEDOM MORTGAGE CORPORATION | 7 | 0.7% | — |
| 26 | LAKEVIEW LOAN SERVICING, LLC | 7 | 0.7% | — |
| 27 | Blaze Credit Union 61 out of 100, Moderate | 7 | 0.7% | 14.3% |
| 28 | Bank of America, National Association 59 out of 100, Moderate | 6 | 0.6% | 44.7% |
| 29 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 6 | 0.6% | — |
| 30 | PLANET HOME LENDING, LLC | 6 | 0.6% | — |
| 31 | NATIONSTAR MORTGAGE LLC | 6 | 0.6% | — |
| 32 | NEW DAY FINANCIAL, LLC | 6 | 0.6% | — |
| 33 | Bell Bank 59 out of 100, Moderate | 6 | 0.6% | 7.1% |
| 34 | 21st Mortgage Corporation | 5 | 0.5% | — |
| 35 | FIGURE LENDING LLC | 5 | 0.5% | — |
| 36 | Alerus Financial, National Association 70 out of 100, Strong | 5 | 0.5% | 10.1% |
| 37 | MUTUAL OF OMAHA MORTGAGE, INC. | 5 | 0.5% | — |
| 38 | Luminate Bank 47 out of 100, Below average | 5 | 0.5% | 4.3% |
| 39 | Frandsen Bank & Trust 71 out of 100, Strong | 5 | 0.5% | 7.9% |
| 40 | Citizens Bank, National Association 54 out of 100, Below average | 4 | 0.4% | 32.5% |
Top 40 of 134 lenders shown. Denial rates are each lender's nationwide figure for 2025, available for banks and credit unions we profile.
Other counties in Minnesota
- Hennepin County 43,986 apps
- Dakota County 17,858 apps
- Ramsey County 16,065 apps
- Anoka County 15,259 apps
- Washington County 12,517 apps
- Wright County 7,712 apps
- St. Louis County 6,914 apps
- Scott County 6,536 apps
- Olmsted County 5,774 apps
- Stearns County 5,097 apps
- Carver County 5,082 apps
- Sherburne County 4,765 apps