Minnesota · HMDA 2025
Mortgage lenders in Lake of the Woods County, MN
59 lenders reported 138 home-loan applications in Lake of the Woods County in 2025. 86 closed as loans ($16.1M), 6 were denied — a 6.3% denial rate on decided applications, below the Minnesota rate of 16.2%. The three most active lenders handled 41% of applications, led by Border Bank. 14 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 138
- Loans originated
- 86
- Purchase / refinance
- 42 / 31
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Lake of the Woods County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | Border Bank 57 out of 100, Moderate | 34 | 24.6% | 3.7% |
| 2 | Broker Solutions, Inc. | 16 | 11.6% | — |
| 3 | UNITED SHORE FINANCIAL SERVICES, LLC | 6 | 4.3% | — |
| 4 | Rocket Mortgage, LLC | 6 | 4.3% | — |
| 5 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 4 | 2.9% | 14.1% |
| 6 | U.S. Bank National Association 55 out of 100, Moderate | 4 | 2.9% | 39.5% |
| 7 | SOFI BANK, NATIONAL ASSOCIATION | 3 | 2.2% | — |
| 8 | WEST GATE BANK 72 out of 100, Strong | 3 | 2.2% | 4.8% |
| 9 | NEWREZ LLC | 2 | 1.4% | — |
| 10 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 2 | 1.4% | 22.2% |
| 11 | Fairway Independent Mortgage Corporation | 2 | 1.4% | — |
| 12 | PENNYMAC LOAN SERVICES, LLC | 2 | 1.4% | — |
| 13 | AmeriSave Mortgage Corporation | 2 | 1.4% | — |
| 14 | GUILD MORTGAGE COMPANY | 2 | 1.4% | — |
| 15 | Mortgage Research Center, LLC | 2 | 1.4% | — |
| 16 | ZILLOW HOME LOANS, LLC | 2 | 1.4% | — |
| 17 | Granite Bank 53 out of 100, Below average | 2 | 1.4% | 6.2% |
| 18 | NATIONSTAR MORTGAGE LLC | 2 | 1.4% | — |
| 19 | Gate City Bank | 2 | 1.4% | — |
| 20 | CMG MORTGAGE, INC. | 1 | 0.7% | — |
| 21 | Navy Federal Credit Union 66 out of 100, Moderate | 1 | 0.7% | 32.9% |
| 22 | 21st Mortgage Corporation | 1 | 0.7% | — |
| 23 | Loandepot.Com, LLC | 1 | 0.7% | — |
| 24 | GUARANTEED RATE, INC. | 1 | 0.7% | — |
| 25 | CROSSCOUNTRY MORTGAGE, INC. | 1 | 0.7% | — |
| 26 | SPRING EQ, LLC | 1 | 0.7% | — |
| 27 | NBKC BANK | 1 | 0.7% | — |
| 28 | Empeople Credit Union 58 out of 100, Moderate | 1 | 0.7% | 25.7% |
| 29 | KODABANK 75 out of 100, Strong | 1 | 0.7% | 0.0% |
| 30 | THE LOAN STORE, INC. | 1 | 0.7% | — |
| 31 | First Resource Bank 66 out of 100, Moderate | 1 | 0.7% | 1.4% |
| 32 | FIGURE LENDING LLC | 1 | 0.7% | — |
| 33 | Pioneer Bank 71 out of 100, Strong | 1 | 0.7% | 6.4% |
| 34 | Summit Mortgage Corporation | 1 | 0.7% | — |
| 35 | Alerus Financial, National Association 70 out of 100, Strong | 1 | 0.7% | 10.1% |
| 36 | Old National Bank 59 out of 100, Moderate | 1 | 0.7% | 22.1% |
| 37 | COMPEER FINANCIAL, FLCA | 1 | 0.7% | — |
| 38 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 1 | 0.7% | — |
| 39 | IOWA BANKERS MORTGAGE CORPORATION | 1 | 0.7% | — |
| 40 | Sherburne State Bank 78 out of 100, Strong | 1 | 0.7% | 3.2% |
Top 40 of 59 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