Minnesota · HMDA 2025
Mortgage lenders in Freeborn County, MN
122 lenders reported 947 home-loan applications in Freeborn County in 2025. 529 closed as loans ($87.2M), 139 were denied — a 19.8% denial rate on decided applications, above the Minnesota rate of 16.2%. The three most active lenders handled 25% of applications, led by Alerus Financial, National Association. 12 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 947
- Loans originated
- 529
- Purchase / refinance
- 332 / 128
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Freeborn County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | Alerus Financial, National Association 70 out of 100, Strong | 84 | 8.9% | 10.1% |
| 2 | U.S. Bank National Association 55 out of 100, Moderate | 77 | 8.1% | 39.5% |
| 3 | UNION HOME MORTGAGE CORP. | 73 | 7.7% | — |
| 4 | Rocket Mortgage, LLC | 65 | 6.9% | — |
| 5 | UNITED SHORE FINANCIAL SERVICES, LLC | 50 | 5.3% | — |
| 6 | Fairway Independent Mortgage Corporation | 42 | 4.4% | — |
| 7 | Mortgage Research Center, LLC | 23 | 2.4% | — |
| 8 | NEWREZ LLC | 22 | 2.3% | — |
| 9 | CROSSCOUNTRY MORTGAGE, INC. | 21 | 2.2% | — |
| 10 | 21st Mortgage Corporation | 19 | 2.0% | — |
| 11 | NATIONSTAR MORTGAGE LLC | 19 | 2.0% | — |
| 12 | MANUFACTURERS BANK & TRUST COMPANY 68 out of 100, Moderate | 19 | 2.0% | 1.2% |
| 13 | PENNYMAC LOAN SERVICES, LLC | 17 | 1.8% | — |
| 14 | Loandepot.Com, LLC | 16 | 1.7% | — |
| 15 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 14 | 1.5% | 22.2% |
| 16 | Broker Solutions, Inc. | 14 | 1.5% | — |
| 17 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 13 | 1.4% | 14.1% |
| 18 | GUARANTEED RATE, INC. | 13 | 1.4% | — |
| 19 | COMPEER FINANCIAL, FLCA | 12 | 1.3% | — |
| 20 | Citizens Community Federal National Association 50 out of 100, Below average | 11 | 1.2% | 9.4% |
| 21 | AFFINITY PLUS | 11 | 1.2% | — |
| 22 | MOVEMENT MORTGAGE, LLC | 10 | 1.1% | — |
| 23 | AmeriSave Mortgage Corporation | 10 | 1.1% | — |
| 24 | Coastal Community Bank 35 out of 100, Low | 10 | 1.1% | 3.0% |
| 25 | FIGURE LENDING LLC | 9 | 1.0% | — |
| 26 | PLANET HOME LENDING, LLC | 9 | 1.0% | — |
| 27 | ALTRA Federal Credit Union 78 out of 100, Strong | 8 | 0.8% | 9.3% |
| 28 | LAKEVIEW LOAN SERVICING, LLC | 8 | 0.8% | — |
| 29 | Blaze Credit Union 61 out of 100, Moderate | 8 | 0.8% | 14.3% |
| 30 | TRIAD FINANCIAL SERVICES, INC. | 7 | 0.7% | — |
| 31 | Bank of America, National Association 59 out of 100, Moderate | 7 | 0.7% | 44.7% |
| 32 | FREEDOM MORTGAGE CORPORATION | 7 | 0.7% | — |
| 33 | LAND HOME FINANCIAL SERVICES, INC. | 6 | 0.6% | — |
| 34 | CARRINGTON MORTGAGE SERVICES, LLC | 6 | 0.6% | — |
| 35 | MASON MCDUFFIE MORTGAGE CORPORATION | 6 | 0.6% | — |
| 36 | First Security Bank | 6 | 0.6% | — |
| 37 | AMERIHOME MORTGAGE COMPANY, LLC | 5 | 0.5% | — |
| 38 | BANKWEST, INC. 38 out of 100, Low | 5 | 0.5% | 48.6% |
| 39 | AMERICAN FINANCING CORPORATION | 5 | 0.5% | — |
| 40 | PENTAGON FEDERAL CREDIT UNION 64 out of 100, Moderate | 5 | 0.5% | 45.9% |
Top 40 of 122 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