Minnesota · HMDA 2025
Mortgage lenders in Cass County, MN
218 lenders reported 1,311 home-loan applications in Cass County in 2025. 784 closed as loans ($251.8M), 152 were denied — a 15.8% denial rate on decided applications, close to the Minnesota rate of 16.2%. The three most active lenders handled 15% of applications, led by U.S. Bank National Association. 18 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 1,311
- Loans originated
- 784
- Purchase / refinance
- 401 / 258
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Cass County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | U.S. Bank National Association 55 out of 100, Moderate | 73 | 5.6% | 39.5% |
| 2 | Rocket Mortgage, LLC | 65 | 5.0% | — |
| 3 | AFFINITY PLUS | 59 | 4.5% | — |
| 4 | PENNYMAC LOAN SERVICES, LLC | 45 | 3.4% | — |
| 5 | Deerwood Bank 68 out of 100, Moderate | 39 | 3.0% | 5.2% |
| 6 | NEWREZ LLC | 28 | 2.1% | — |
| 7 | UNITED SHORE FINANCIAL SERVICES, LLC | 28 | 2.1% | — |
| 8 | PLAZA HOME MORTGAGE, INC. | 28 | 2.1% | — |
| 9 | Bell Bank 59 out of 100, Moderate | 27 | 2.1% | 7.1% |
| 10 | American National Bank of Minnesota 65 out of 100, Moderate | 26 | 2.0% | 3.4% |
| 11 | Frandsen Bank & Trust 71 out of 100, Strong | 25 | 1.9% | 7.9% |
| 12 | Granite Bank 53 out of 100, Below average | 24 | 1.8% | 6.2% |
| 13 | National Bank of Commerce 70 out of 100, Strong | 24 | 1.8% | 4.8% |
| 14 | Loandepot.Com, LLC | 23 | 1.8% | — |
| 15 | Broker Solutions, Inc. | 22 | 1.7% | — |
| 16 | EVERETT FINANCIAL, INC. | 21 | 1.6% | — |
| 17 | First Western Bank & Trust 55 out of 100, Moderate | 20 | 1.5% | 5.4% |
| 18 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 19 | 1.4% | 14.1% |
| 19 | Mortgage Research Center, LLC | 19 | 1.4% | — |
| 20 | Blaze Credit Union 61 out of 100, Moderate | 19 | 1.4% | 14.3% |
| 21 | CROSSCOUNTRY MORTGAGE, INC. | 17 | 1.3% | — |
| 22 | NATIONSTAR MORTGAGE LLC | 17 | 1.3% | — |
| 23 | GUARANTEED RATE, INC. | 16 | 1.2% | — |
| 24 | Wings Financial Credit Union | 16 | 1.2% | — |
| 25 | Bank Forward 70 out of 100, Strong | 16 | 1.2% | 1.3% |
| 26 | Luminate Bank 47 out of 100, Below average | 15 | 1.1% | 4.3% |
| 27 | Coastal Community Bank 35 out of 100, Low | 15 | 1.1% | 3.0% |
| 28 | Old National Bank 59 out of 100, Moderate | 14 | 1.1% | 22.1% |
| 29 | Navy Federal Credit Union 66 out of 100, Moderate | 13 | 1.0% | 32.9% |
| 30 | Merchants Bank, National Association 73 out of 100, Strong | 13 | 1.0% | 5.9% |
| 31 | AMERIHOME MORTGAGE COMPANY, LLC | 12 | 0.9% | — |
| 32 | TRUSTONE FINANCIAL CREDIT UNION 68 out of 100, Moderate | 12 | 0.9% | 22.2% |
| 33 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 11 | 0.8% | 22.2% |
| 34 | Fairway Independent Mortgage Corporation | 11 | 0.8% | — |
| 35 | COMPEER FINANCIAL, FLCA | 11 | 0.8% | — |
| 36 | FREEDOM MORTGAGE CORPORATION | 11 | 0.8% | — |
| 37 | Discover Bank | 10 | 0.8% | — |
| 38 | AmeriSave Mortgage Corporation | 10 | 0.8% | — |
| 39 | Prosperity Home Mortgage, LLC | 10 | 0.8% | — |
| 40 | NEW DAY FINANCIAL, LLC | 10 | 0.8% | — |
Top 40 of 218 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