Minnesota · HMDA 2025
Mortgage lenders in Houston County, MN
102 lenders reported 584 home-loan applications in Houston County in 2025. 423 closed as loans ($82.2M), 44 were denied — a 9.1% denial rate on decided applications, below the Minnesota rate of 16.2%. The three most active lenders handled 49% of applications, led by ALTRA Federal Credit Union. 20 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 584
- Loans originated
- 423
- Purchase / refinance
- 216 / 118
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Houston County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | ALTRA Federal Credit Union 78 out of 100, Strong | 180 | 30.8% | 9.3% |
| 2 | Merchants Bank, National Association 73 out of 100, Strong | 64 | 11.0% | 5.9% |
| 3 | ESB Bank | 42 | 7.2% | — |
| 4 | U.S. Bank National Association 55 out of 100, Moderate | 16 | 2.7% | 39.5% |
| 5 | UNITED SHORE FINANCIAL SERVICES, LLC | 15 | 2.6% | — |
| 6 | BMO Bank National Association 83 out of 100, Strong | 15 | 2.6% | 40.5% |
| 7 | MARINE CREDIT UNION 53 out of 100, Below average | 15 | 2.6% | 44.9% |
| 8 | Rocket Mortgage, LLC | 13 | 2.2% | — |
| 9 | Alerus Financial, National Association 70 out of 100, Strong | 13 | 2.2% | 10.1% |
| 10 | Servion, Inc. | 10 | 1.7% | — |
| 11 | State Bank Financial 73 out of 100, Strong | 8 | 1.4% | 0.0% |
| 12 | FREEDOM MORTGAGE CORPORATION | 7 | 1.2% | — |
| 13 | UNION HOME MORTGAGE CORP. | 7 | 1.2% | — |
| 14 | Bell Bank 59 out of 100, Moderate | 7 | 1.2% | 7.1% |
| 15 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 6 | 1.0% | 14.1% |
| 16 | Old National Bank 59 out of 100, Moderate | 5 | 0.9% | 22.1% |
| 17 | KIND LENDING, LLC | 5 | 0.9% | — |
| 18 | CMG MORTGAGE, INC. | 4 | 0.7% | — |
| 19 | Loandepot.Com, LLC | 4 | 0.7% | — |
| 20 | PENNYMAC LOAN SERVICES, LLC | 4 | 0.7% | — |
| 21 | Mortgage Research Center, LLC | 4 | 0.7% | — |
| 22 | WNB FINANCIAL, N.A. 76 out of 100, Strong | 4 | 0.7% | 6.7% |
| 23 | FIREFIGHTERS CREDIT UNION | 4 | 0.7% | — |
| 24 | PLANET HOME LENDING, LLC | 4 | 0.7% | — |
| 25 | Associated Bank, National Association | 4 | 0.7% | — |
| 26 | Coastal Community Bank 35 out of 100, Low | 4 | 0.7% | 3.0% |
| 27 | The Huntington National Bank 59 out of 100, Moderate | 3 | 0.5% | 31.6% |
| 28 | Citizens Bank, National Association 54 out of 100, Below average | 3 | 0.5% | 32.5% |
| 29 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 3 | 0.5% | 22.2% |
| 30 | Broker Solutions, Inc. | 3 | 0.5% | — |
| 31 | CROSSCOUNTRY MORTGAGE, INC. | 3 | 0.5% | — |
| 32 | AMERIHOME MORTGAGE COMPANY, LLC | 3 | 0.5% | — |
| 33 | FIGURE LENDING LLC | 3 | 0.5% | — |
| 34 | The First National Bank Of Bangor 83 out of 100, Strong | 3 | 0.5% | 2.3% |
| 35 | SOFI BANK, NATIONAL ASSOCIATION | 3 | 0.5% | — |
| 36 | Citizens State Bank of La Crosse 76 out of 100, Strong | 3 | 0.5% | 4.6% |
| 37 | River Bank 73 out of 100, Strong | 3 | 0.5% | 7.3% |
| 38 | MUTUAL OF OMAHA MORTGAGE, INC. | 3 | 0.5% | — |
| 39 | VERVE, A CREDIT UNION 65 out of 100, Moderate | 3 | 0.5% | 10.2% |
| 40 | First Federal Bank 50 out of 100, Below average | 3 | 0.5% | 13.5% |
Top 40 of 102 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