Minnesota · HMDA 2025
Mortgage lenders in Kittson County, MN
33 lenders reported 78 home-loan applications in Kittson County in 2025. 50 closed as loans ($6.5M), 11 were denied — a 17.7% denial rate on decided applications, above the Minnesota rate of 16.2%. The three most active lenders handled 36% of applications, led by American Federal Bank. 12 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 78
- Loans originated
- 50
- Purchase / refinance
- 25 / 19
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Kittson County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | American Federal Bank 66 out of 100, Moderate | 11 | 14.1% | 12.5% |
| 2 | Border Bank 57 out of 100, Moderate | 10 | 12.8% | 3.7% |
| 3 | Broker Solutions, Inc. | 7 | 9.0% | — |
| 4 | FIRST HOLDING COMPANY OF CAVALIER, INC. | 6 | 7.7% | — |
| 5 | KODABANK 75 out of 100, Strong | 4 | 5.1% | 0.0% |
| 6 | Citizens Bank, National Association 54 out of 100, Below average | 3 | 3.8% | 32.5% |
| 7 | PENNYMAC LOAN SERVICES, LLC | 3 | 3.8% | — |
| 8 | UNITED SHORE FINANCIAL SERVICES, LLC | 2 | 2.6% | — |
| 9 | GUARANTEED RATE, INC. | 2 | 2.6% | — |
| 10 | Rocket Mortgage, LLC | 2 | 2.6% | — |
| 11 | Mortgage Research Center, LLC | 2 | 2.6% | — |
| 12 | Empeople Credit Union 58 out of 100, Moderate | 2 | 2.6% | 25.7% |
| 13 | NATIONSTAR MORTGAGE LLC | 2 | 2.6% | — |
| 14 | Merchants Bank, National Association 73 out of 100, Strong | 2 | 2.6% | 5.9% |
| 15 | SOUTHPOINT FINANCIAL | 2 | 2.6% | — |
| 16 | Navy Federal Credit Union 66 out of 100, Moderate | 1 | 1.3% | 32.9% |
| 17 | 21st Mortgage Corporation | 1 | 1.3% | — |
| 18 | Fairway Independent Mortgage Corporation | 1 | 1.3% | — |
| 19 | Bank of America, National Association 59 out of 100, Moderate | 1 | 1.3% | 44.7% |
| 20 | FIRST COMMUNITY CREDIT UNION | 1 | 1.3% | — |
| 21 | Dakota Heritage Bank 63 out of 100, Moderate | 1 | 1.3% | 3.1% |
| 22 | PRIMARY RESIDENTIAL MORTGAGE, INC. | 1 | 1.3% | — |
| 23 | Wings Financial Credit Union | 1 | 1.3% | — |
| 24 | FREEDOM MORTGAGE CORPORATION | 1 | 1.3% | — |
| 25 | AFFINITY PLUS | 1 | 1.3% | — |
| 26 | MUTUAL OF OMAHA MORTGAGE, INC. | 1 | 1.3% | — |
| 27 | CONSUMER REAL ESTATE FINANCE CO. | 1 | 1.3% | — |
| 28 | Gate City Bank | 1 | 1.3% | — |
| 29 | MASON MCDUFFIE MORTGAGE CORPORATION | 1 | 1.3% | — |
| 30 | Frandsen Bank & Trust 71 out of 100, Strong | 1 | 1.3% | 7.9% |
| 31 | Barrington Bank & Trust Company, National Association 42 out of 100, Below average | 1 | 1.3% | 9.1% |
| 32 | Fifth Third Bank, National Association 62 out of 100, Moderate | 1 | 1.3% | 34.0% |
| 33 | DATA MORTGAGE, INC. | 1 | 1.3% | — |
Top 33 of 33 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