Minnesota · HMDA 2025
Mortgage lenders in Koochiching County, MN
62 lenders reported 292 home-loan applications in Koochiching County in 2025. 173 closed as loans ($24.9M), 28 were denied — a 13.4% denial rate on decided applications, below the Minnesota rate of 16.2%. The three most active lenders handled 37% of applications, led by Servion, Inc.. 12 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 292
- Loans originated
- 173
- Purchase / refinance
- 126 / 30
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Koochiching County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | Servion, Inc. | 58 | 19.9% | — |
| 2 | Rocket Mortgage, LLC | 27 | 9.2% | — |
| 3 | Mortgage Research Center, LLC | 24 | 8.2% | — |
| 4 | Border Bank 57 out of 100, Moderate | 20 | 6.8% | 3.7% |
| 5 | U.S. Bank National Association 55 out of 100, Moderate | 12 | 4.1% | 39.5% |
| 6 | Broker Solutions, Inc. | 11 | 3.8% | — |
| 7 | Bank of America, National Association 59 out of 100, Moderate | 8 | 2.7% | 44.7% |
| 8 | Old National Bank 59 out of 100, Moderate | 8 | 2.7% | 22.1% |
| 9 | FIGURE LENDING LLC | 7 | 2.4% | — |
| 10 | GUARANTEED RATE, INC. | 6 | 2.1% | — |
| 11 | REDWOOD RESIDENTIAL ACQUISITION CORPORATION | 6 | 2.1% | — |
| 12 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 5 | 1.7% | 22.2% |
| 13 | UNITED SHORE FINANCIAL SERVICES, LLC | 5 | 1.7% | — |
| 14 | AFFINITY PLUS | 5 | 1.7% | — |
| 15 | Fairway Independent Mortgage Corporation | 4 | 1.4% | — |
| 16 | PLANET HOME LENDING, LLC | 4 | 1.4% | — |
| 17 | National Bank of Commerce 70 out of 100, Strong | 4 | 1.4% | 4.8% |
| 18 | Deerwood Bank 68 out of 100, Moderate | 4 | 1.4% | 5.2% |
| 19 | Coastal Community Bank 35 out of 100, Low | 4 | 1.4% | 3.0% |
| 20 | NEWREZ LLC | 3 | 1.0% | — |
| 21 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 3 | 1.0% | 14.1% |
| 22 | TRIAD FINANCIAL SERVICES, INC. | 3 | 1.0% | — |
| 23 | AMERIHOME MORTGAGE COMPANY, LLC | 3 | 1.0% | — |
| 24 | PLAZA HOME MORTGAGE, INC. | 3 | 1.0% | — |
| 25 | Bell Bank 59 out of 100, Moderate | 3 | 1.0% | 7.1% |
| 26 | USAA Federal Savings Bank 64 out of 100, Moderate | 3 | 1.0% | 37.2% |
| 27 | Bremer Bank, National Association | 3 | 1.0% | — |
| 28 | PENNYMAC LOAN SERVICES, LLC | 2 | 0.7% | — |
| 29 | AmeriSave Mortgage Corporation | 2 | 0.7% | — |
| 30 | CROSSCOUNTRY MORTGAGE, INC. | 2 | 0.7% | — |
| 31 | SPRING EQ, LLC | 2 | 0.7% | — |
| 32 | M SQUARED FINANCIAL LLC | 2 | 0.7% | — |
| 33 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 2 | 0.7% | — |
| 34 | NATIONSTAR MORTGAGE LLC | 2 | 0.7% | — |
| 35 | FREEDOM MORTGAGE CORPORATION | 2 | 0.7% | — |
| 36 | Equity Prime Mortgage LLC | 2 | 0.7% | — |
| 37 | MUTUAL OF OMAHA MORTGAGE, INC. | 2 | 0.7% | — |
| 38 | Blaze Credit Union 61 out of 100, Moderate | 2 | 0.7% | 14.3% |
| 39 | 21st Mortgage Corporation | 1 | 0.3% | — |
| 40 | GUILD MORTGAGE COMPANY | 1 | 0.3% | — |
Top 40 of 62 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