Minnesota · HMDA 2025
Mortgage lenders in Lake County, MN
102 lenders reported 600 home-loan applications in Lake County in 2025. 354 closed as loans ($78.7M), 62 were denied — a 14.5% denial rate on decided applications, below the Minnesota rate of 16.2%. The three most active lenders handled 40% of applications, led by North Shore Federal Credit Union. 19 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 600
- Loans originated
- 354
- Purchase / refinance
- 193 / 116
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Lake County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | North Shore Federal Credit Union 74 out of 100, Strong | 148 | 24.7% | 10.3% |
| 2 | Park State Bank 66 out of 100, Moderate | 50 | 8.3% | 12.5% |
| 3 | Two Harbors Federal Credit Union 84 out of 100, Strong | 42 | 7.0% | 1.8% |
| 4 | Rocket Mortgage, LLC | 33 | 5.5% | — |
| 5 | U.S. Bank National Association 55 out of 100, Moderate | 26 | 4.3% | 39.5% |
| 6 | Bell Bank 59 out of 100, Moderate | 17 | 2.8% | 7.1% |
| 7 | North Shore Bank of Commerce 71 out of 100, Strong | 15 | 2.5% | 5.2% |
| 8 | UNITED SHORE FINANCIAL SERVICES, LLC | 14 | 2.3% | — |
| 9 | PENNYMAC LOAN SERVICES, LLC | 13 | 2.2% | — |
| 10 | NEWREZ LLC | 12 | 2.0% | — |
| 11 | Coastal Community Bank 35 out of 100, Low | 11 | 1.8% | 3.0% |
| 12 | Citizens Bank, National Association 54 out of 100, Below average | 9 | 1.5% | 32.5% |
| 13 | Loandepot.Com, LLC | 9 | 1.5% | — |
| 14 | AmeriSave Mortgage Corporation | 7 | 1.2% | — |
| 15 | Members Cooperative Credit Union | 7 | 1.2% | — |
| 16 | AFFINITY PLUS | 7 | 1.2% | — |
| 17 | Frandsen Bank & Trust 71 out of 100, Strong | 7 | 1.2% | 7.9% |
| 18 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 6 | 1.0% | 14.1% |
| 19 | FREEDOM MORTGAGE CORPORATION | 6 | 1.0% | — |
| 20 | TRUSTONE FINANCIAL CREDIT UNION 68 out of 100, Moderate | 6 | 1.0% | 22.2% |
| 21 | Northview Bank 74 out of 100, Strong | 6 | 1.0% | 23.1% |
| 22 | Broker Solutions, Inc. | 5 | 0.8% | — |
| 23 | CROSSCOUNTRY MORTGAGE, INC. | 5 | 0.8% | — |
| 24 | Ely Area Credit Union 99 out of 100, Very strong | 5 | 0.8% | 7.5% |
| 25 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 4 | 0.7% | 22.2% |
| 26 | Mortgage Research Center, LLC | 4 | 0.7% | — |
| 27 | PLANET HOME LENDING, LLC | 4 | 0.7% | — |
| 28 | PREMIER MORTGAGE RESOURCES, L.L.C. | 4 | 0.7% | — |
| 29 | COMPEER FINANCIAL, FLCA | 4 | 0.7% | — |
| 30 | Blaze Credit Union 61 out of 100, Moderate | 4 | 0.7% | 14.3% |
| 31 | Luminate Bank 47 out of 100, Below average | 4 | 0.7% | 4.3% |
| 32 | EVERETT FINANCIAL, INC. | 4 | 0.7% | — |
| 33 | The Huntington National Bank 59 out of 100, Moderate | 3 | 0.5% | 31.6% |
| 34 | Discover Bank | 3 | 0.5% | — |
| 35 | Alerus Financial, National Association 70 out of 100, Strong | 3 | 0.5% | 10.1% |
| 36 | LAKEVIEW LOAN SERVICING, LLC | 3 | 0.5% | — |
| 37 | VILLAGE CAPITAL & INVESTMENT LLC | 3 | 0.5% | — |
| 38 | GoodLeap, LLC | 3 | 0.5% | — |
| 39 | National Bank of Commerce 70 out of 100, Strong | 3 | 0.5% | 4.8% |
| 40 | PHH Mortgage Corporation | 3 | 0.5% | — |
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