Minnesota · HMDA 2025
Mortgage lenders in Goodhue County, MN
198 lenders reported 1,604 home-loan applications in Goodhue County in 2025. 999 closed as loans ($232.7M), 181 were denied — a 14.7% denial rate on decided applications, below the Minnesota rate of 16.2%. The three most active lenders handled 16% of applications, led by Merchants Bank, National Association. 17 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 1,604
- Loans originated
- 999
- Purchase / refinance
- 566 / 260
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Goodhue County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | Merchants Bank, National Association 73 out of 100, Strong | 102 | 6.4% | 5.9% |
| 2 | Bell Bank 59 out of 100, Moderate | 78 | 4.9% | 7.1% |
| 3 | UNITED SHORE FINANCIAL SERVICES, LLC | 76 | 4.7% | — |
| 4 | NEWREZ LLC | 72 | 4.5% | — |
| 5 | Rocket Mortgage, LLC | 71 | 4.4% | — |
| 6 | GUARANTEED RATE, INC. | 61 | 3.8% | — |
| 7 | Frandsen Bank & Trust 71 out of 100, Strong | 58 | 3.6% | 7.9% |
| 8 | U.S. Bank National Association 55 out of 100, Moderate | 53 | 3.3% | 39.5% |
| 9 | PENNYMAC LOAN SERVICES, LLC | 42 | 2.6% | — |
| 10 | FREEDOM MORTGAGE CORPORATION | 33 | 2.1% | — |
| 11 | AFFINITY PLUS | 32 | 2.0% | — |
| 12 | Think Mutual Bank 86 out of 100, Very strong | 30 | 1.9% | 12.2% |
| 13 | Associated Bank, National Association | 30 | 1.9% | — |
| 14 | TRUSTONE FINANCIAL CREDIT UNION 68 out of 100, Moderate | 28 | 1.7% | 22.2% |
| 15 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 22 | 1.4% | 22.2% |
| 16 | NATIONSTAR MORTGAGE LLC | 21 | 1.3% | — |
| 17 | Fairway Independent Mortgage Corporation | 20 | 1.2% | — |
| 18 | AMERIHOME MORTGAGE COMPANY, LLC | 20 | 1.2% | — |
| 19 | KIND LENDING, LLC | 19 | 1.2% | — |
| 20 | Heritage Bank Minnesota 57 out of 100, Moderate | 19 | 1.2% | 0.0% |
| 21 | ALTRA Federal Credit Union 78 out of 100, Strong | 18 | 1.1% | 9.3% |
| 22 | Coastal Community Bank 35 out of 100, Low | 18 | 1.1% | 3.0% |
| 23 | Loandepot.Com, LLC | 17 | 1.1% | — |
| 24 | CROSSCOUNTRY MORTGAGE, INC. | 16 | 1.0% | — |
| 25 | Prosperity Home Mortgage, LLC | 16 | 1.0% | — |
| 26 | Luminate Bank 47 out of 100, Below average | 16 | 1.0% | 4.3% |
| 27 | Broker Solutions, Inc. | 15 | 0.9% | — |
| 28 | MAYO EMPLOYEES FEDERAL CREDIT UNION 98 out of 100, Very strong | 15 | 0.9% | 18.7% |
| 29 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 14 | 0.9% | 14.1% |
| 30 | Servion, Inc. | 14 | 0.9% | — |
| 31 | Mortgage Research Center, LLC | 13 | 0.8% | — |
| 32 | Alerus Financial, National Association 70 out of 100, Strong | 13 | 0.8% | 10.1% |
| 33 | Wings Financial Credit Union | 13 | 0.8% | — |
| 34 | 21st Mortgage Corporation | 12 | 0.7% | — |
| 35 | AmeriSave Mortgage Corporation | 12 | 0.7% | — |
| 36 | Alliance Bank 70 out of 100, Strong | 12 | 0.7% | 13.3% |
| 37 | TRIAD FINANCIAL SERVICES, INC. | 11 | 0.7% | — |
| 38 | Old National Bank 59 out of 100, Moderate | 11 | 0.7% | 22.1% |
| 39 | LAKEVIEW LOAN SERVICING, LLC | 11 | 0.7% | — |
| 40 | WESTCONSIN Credit Union 78 out of 100, Strong | 10 | 0.6% | 15.4% |
Top 40 of 198 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