Minnesota · HMDA 2025
Mortgage lenders in Cottonwood County, MN
64 lenders reported 257 home-loan applications in Cottonwood County in 2025. 151 closed as loans ($22.0M), 31 were denied — a 16.7% denial rate on decided applications, close to the Minnesota rate of 16.2%. The three most active lenders handled 26% of applications, led by Rocket Mortgage, LLC. 15 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 257
- Loans originated
- 151
- Purchase / refinance
- 92 / 45
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Cottonwood County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | Rocket Mortgage, LLC | 23 | 8.9% | — |
| 2 | COMPEER FINANCIAL, FLCA | 23 | 8.9% | — |
| 3 | Bank Midwest 69 out of 100, Moderate | 20 | 7.8% | 5.3% |
| 4 | U.S. Bank National Association 55 out of 100, Moderate | 16 | 6.2% | 39.5% |
| 5 | UNITED SHORE FINANCIAL SERVICES, LLC | 14 | 5.4% | — |
| 6 | BMO Bank National Association 83 out of 100, Strong | 14 | 5.4% | 40.5% |
| 7 | PENNYMAC LOAN SERVICES, LLC | 10 | 3.9% | — |
| 8 | Plains Commerce Bank 59 out of 100, Moderate | 10 | 3.9% | 10.0% |
| 9 | NEWREZ LLC | 7 | 2.7% | — |
| 10 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 7 | 2.7% | 22.2% |
| 11 | Loandepot.Com, LLC | 7 | 2.7% | — |
| 12 | Broker Solutions, Inc. | 7 | 2.7% | — |
| 13 | Pioneer Bank 71 out of 100, Strong | 5 | 1.9% | 6.4% |
| 14 | First State Bank Southwest 70 out of 100, Strong | 5 | 1.9% | 0.8% |
| 15 | GUARANTEED RATE, INC. | 4 | 1.6% | — |
| 16 | Mortgage Research Center, LLC | 4 | 1.6% | — |
| 17 | FREEDOM MORTGAGE CORPORATION | 4 | 1.6% | — |
| 18 | TOWNE MORTGAGE COMPANY | 4 | 1.6% | — |
| 19 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 3 | 1.2% | 14.1% |
| 20 | Discover Bank | 3 | 1.2% | — |
| 21 | AmeriSave Mortgage Corporation | 3 | 1.2% | — |
| 22 | PNC Bank, National Association 62 out of 100, Moderate | 3 | 1.2% | 33.8% |
| 23 | Bank of America, National Association 59 out of 100, Moderate | 3 | 1.2% | 44.7% |
| 24 | HomeTown Bank 64 out of 100, Moderate | 3 | 1.2% | 4.2% |
| 25 | Luminate Bank 47 out of 100, Below average | 3 | 1.2% | 4.3% |
| 26 | EVERETT FINANCIAL, INC. | 3 | 1.2% | — |
| 27 | CMG MORTGAGE, INC. | 2 | 0.8% | — |
| 28 | The Huntington National Bank 59 out of 100, Moderate | 2 | 0.8% | 31.6% |
| 29 | RELIANT HOME FUNDING, INC | 2 | 0.8% | — |
| 30 | Community Bank Mankato 47 out of 100, Below average | 2 | 0.8% | 6.4% |
| 31 | Flanagan State Bank 67 out of 100, Moderate | 2 | 0.8% | 14.2% |
| 32 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 2 | 0.8% | — |
| 33 | PREMIER LENDING, INC. | 2 | 0.8% | — |
| 34 | IOWA BANKERS MORTGAGE CORPORATION | 2 | 0.8% | — |
| 35 | PLAZA HOME MORTGAGE, INC. | 2 | 0.8% | — |
| 36 | LAKEVIEW LOAN SERVICING, LLC | 2 | 0.8% | — |
| 37 | SOUTHPOINT FINANCIAL | 2 | 0.8% | — |
| 38 | Fairway Independent Mortgage Corporation | 1 | 0.4% | — |
| 39 | SPRING EQ, LLC | 1 | 0.4% | — |
| 40 | AMERIHOME MORTGAGE COMPANY, LLC | 1 | 0.4% | — |
Top 40 of 64 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