Minnesota · HMDA 2025
Mortgage lenders in Cook County, MN
91 lenders reported 297 home-loan applications in Cook County in 2025. 160 closed as loans ($53.6M), 31 were denied — a 16.0% denial rate on decided applications, close to the Minnesota rate of 16.2%. The three most active lenders handled 39% of applications, led by North Shore Federal Credit Union. 20 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 297
- Loans originated
- 160
- Purchase / refinance
- 88 / 54
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Cook County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | North Shore Federal Credit Union 74 out of 100, Strong | 94 | 31.6% | 10.3% |
| 2 | Rocket Mortgage, LLC | 11 | 3.7% | — |
| 3 | Park State Bank 66 out of 100, Moderate | 11 | 3.7% | 12.5% |
| 4 | Bank of America, National Association 59 out of 100, Moderate | 10 | 3.4% | 44.7% |
| 5 | U.S. Bank National Association 55 out of 100, Moderate | 10 | 3.4% | 39.5% |
| 6 | REDWOOD RESIDENTIAL ACQUISITION CORPORATION | 9 | 3.0% | — |
| 7 | Barrington Bank & Trust Company, National Association 42 out of 100, Below average | 7 | 2.4% | 9.1% |
| 8 | Northview Bank 74 out of 100, Strong | 6 | 2.0% | 23.1% |
| 9 | Bell Bank 59 out of 100, Moderate | 6 | 2.0% | 7.1% |
| 10 | TRUSTONE FINANCIAL CREDIT UNION 68 out of 100, Moderate | 5 | 1.7% | 22.2% |
| 11 | AFFINITY PLUS | 5 | 1.7% | — |
| 12 | Frandsen Bank & Trust 71 out of 100, Strong | 5 | 1.7% | 7.9% |
| 13 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 4 | 1.3% | 14.1% |
| 14 | PENNYMAC LOAN SERVICES, LLC | 4 | 1.3% | — |
| 15 | Members Cooperative Credit Union | 4 | 1.3% | — |
| 16 | Granite Bank 53 out of 100, Below average | 4 | 1.3% | 6.2% |
| 17 | National Bank of Commerce 70 out of 100, Strong | 4 | 1.3% | 4.8% |
| 18 | Broker Solutions, Inc. | 3 | 1.0% | — |
| 19 | Discover Bank | 3 | 1.0% | — |
| 20 | KIND LENDING, LLC | 3 | 1.0% | — |
| 21 | Merchants Bank, National Association 73 out of 100, Strong | 3 | 1.0% | 5.9% |
| 22 | Associated Bank, National Association | 3 | 1.0% | — |
| 23 | NEWREZ LLC | 2 | 0.7% | — |
| 24 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 2 | 0.7% | 22.2% |
| 25 | Fairway Independent Mortgage Corporation | 2 | 0.7% | — |
| 26 | Loandepot.Com, LLC | 2 | 0.7% | — |
| 27 | PNC Bank, National Association 62 out of 100, Moderate | 2 | 0.7% | 33.8% |
| 28 | Citadel Servicing Corporation | 2 | 0.7% | — |
| 29 | BMO Bank National Association 83 out of 100, Strong | 2 | 0.7% | 40.5% |
| 30 | Citizens State Bank | 2 | 0.7% | — |
| 31 | Wings Financial Credit Union | 2 | 0.7% | — |
| 32 | NATIONSTAR MORTGAGE LLC | 2 | 0.7% | — |
| 33 | FREEDOM MORTGAGE CORPORATION | 2 | 0.7% | — |
| 34 | North Shore Bank of Commerce 71 out of 100, Strong | 2 | 0.7% | 5.2% |
| 35 | VILLAGE CAPITAL & INVESTMENT LLC | 2 | 0.7% | — |
| 36 | BETTER MORTGAGE CORPORATION | 2 | 0.7% | — |
| 37 | The Huntington National Bank 59 out of 100, Moderate | 1 | 0.3% | 31.6% |
| 38 | Navy Federal Credit Union 66 out of 100, Moderate | 1 | 0.3% | 32.9% |
| 39 | Citizens Bank, National Association 54 out of 100, Below average | 1 | 0.3% | 32.5% |
| 40 | UNITED SHORE FINANCIAL SERVICES, LLC | 1 | 0.3% | — |
Top 40 of 91 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