Minnesota · HMDA 2025
Mortgage lenders in Clearwater County, MN
61 lenders reported 235 home-loan applications in Clearwater County in 2025. 157 closed as loans ($25.3M), 22 were denied — a 11.6% denial rate on decided applications, below the Minnesota rate of 16.2%. The three most active lenders handled 30% of applications, led by The First National Bank of Bagley. 16 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 235
- Loans originated
- 157
- Purchase / refinance
- 76 / 58
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Clearwater County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | The First National Bank of Bagley 60 out of 100, Moderate | 31 | 13.2% | 6.3% |
| 2 | AFFINITY PLUS | 21 | 8.9% | — |
| 3 | Border Bank 57 out of 100, Moderate | 19 | 8.1% | 3.7% |
| 4 | National Bank of Commerce 70 out of 100, Strong | 14 | 6.0% | 4.8% |
| 5 | NEWREZ LLC | 10 | 4.3% | — |
| 6 | Rocket Mortgage, LLC | 10 | 4.3% | — |
| 7 | U.S. Bank National Association 55 out of 100, Moderate | 10 | 4.3% | 39.5% |
| 8 | Deerwood Bank 68 out of 100, Moderate | 9 | 3.8% | 5.2% |
| 9 | PENNYMAC LOAN SERVICES, LLC | 7 | 3.0% | — |
| 10 | UNITED SHORE FINANCIAL SERVICES, LLC | 5 | 2.1% | — |
| 11 | Mortgage Research Center, LLC | 5 | 2.1% | — |
| 12 | FIGURE LENDING LLC | 5 | 2.1% | — |
| 13 | PRIMARY RESIDENTIAL MORTGAGE, INC. | 5 | 2.1% | — |
| 14 | PLAZA HOME MORTGAGE, INC. | 5 | 2.1% | — |
| 15 | American Federal Bank 66 out of 100, Moderate | 5 | 2.1% | 12.5% |
| 16 | Loandepot.Com, LLC | 4 | 1.7% | — |
| 17 | AMERIHOME MORTGAGE COMPANY, LLC | 4 | 1.7% | — |
| 18 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 3 | 1.3% | 14.1% |
| 19 | Granite Bank 53 out of 100, Below average | 3 | 1.3% | 6.2% |
| 20 | FREEDOM MORTGAGE CORPORATION | 3 | 1.3% | — |
| 21 | AMERICAN PACIFIC MORTGAGE CORPORATION | 3 | 1.3% | — |
| 22 | The Huntington National Bank 59 out of 100, Moderate | 2 | 0.9% | 31.6% |
| 23 | Navy Federal Credit Union 66 out of 100, Moderate | 2 | 0.9% | 32.9% |
| 24 | Fairway Independent Mortgage Corporation | 2 | 0.9% | — |
| 25 | Broker Solutions, Inc. | 2 | 0.9% | — |
| 26 | Discover Bank | 2 | 0.9% | — |
| 27 | PLANET HOME LENDING, LLC | 2 | 0.9% | — |
| 28 | SOFI BANK, NATIONAL ASSOCIATION | 2 | 0.9% | — |
| 29 | NATIONSTAR MORTGAGE LLC | 2 | 0.9% | — |
| 30 | Equity Prime Mortgage LLC | 2 | 0.9% | — |
| 31 | MAGNIFI FINANCIAL CREDIT UNION 68 out of 100, Moderate | 2 | 0.9% | 12.6% |
| 32 | TRUSTONE FINANCIAL CREDIT UNION 68 out of 100, Moderate | 2 | 0.9% | 22.2% |
| 33 | Merchants Bank, National Association 73 out of 100, Strong | 2 | 0.9% | 5.9% |
| 34 | NEW DAY FINANCIAL, LLC | 2 | 0.9% | — |
| 35 | Coastal Community Bank 35 out of 100, Low | 2 | 0.9% | 3.0% |
| 36 | 21st Mortgage Corporation | 1 | 0.4% | — |
| 37 | Citizens Bank, National Association 54 out of 100, Below average | 1 | 0.4% | 32.5% |
| 38 | AmeriSave Mortgage Corporation | 1 | 0.4% | — |
| 39 | CROSSCOUNTRY MORTGAGE, INC. | 1 | 0.4% | — |
| 40 | PNC Bank, National Association 62 out of 100, Moderate | 1 | 0.4% | 33.8% |
Top 40 of 61 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