Minnesota · HMDA 2025
Mortgage lenders in Lincoln County, MN
61 lenders reported 189 home-loan applications in Lincoln County in 2025. 109 closed as loans ($17.8M), 23 were denied — a 17.2% denial rate on decided applications, close to the Minnesota rate of 16.2%. The three most active lenders handled 26% of applications, led by First Bank & Trust. 15 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 189
- Loans originated
- 109
- Purchase / refinance
- 73 / 21
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Lincoln County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | First Bank & Trust 70 out of 100, Strong | 18 | 9.5% | 14.9% |
| 2 | HOMEOWNERS FINANCIAL GROUP USA, LLC | 16 | 8.5% | — |
| 3 | BMO Bank National Association 83 out of 100, Strong | 15 | 7.9% | 40.5% |
| 4 | U.S. Bank National Association 55 out of 100, Moderate | 12 | 6.3% | 39.5% |
| 5 | Rocket Mortgage, LLC | 11 | 5.8% | — |
| 6 | Merchants Bank, National Association 73 out of 100, Strong | 6 | 3.2% | 5.9% |
| 7 | Minnwest Bank 68 out of 100, Moderate | 6 | 3.2% | 11.9% |
| 8 | UNITED SHORE FINANCIAL SERVICES, LLC | 5 | 2.6% | — |
| 9 | PENNYMAC LOAN SERVICES, LLC | 5 | 2.6% | — |
| 10 | Mortgage Research Center, LLC | 5 | 2.6% | — |
| 11 | Prosperity Home Mortgage, LLC | 5 | 2.6% | — |
| 12 | NATIONSTAR MORTGAGE LLC | 5 | 2.6% | — |
| 13 | Plains Commerce Bank 59 out of 100, Moderate | 5 | 2.6% | 10.0% |
| 14 | Flagstar Bank, N.A. 31 out of 100, Low | 5 | 2.6% | 35.1% |
| 15 | Citizens Bank, National Association 54 out of 100, Below average | 3 | 1.6% | 32.5% |
| 16 | GUARANTEED RATE, INC. | 3 | 1.6% | — |
| 17 | AMERIHOME MORTGAGE COMPANY, LLC | 3 | 1.6% | — |
| 18 | FIGURE LENDING LLC | 3 | 1.6% | — |
| 19 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 2 | 1.1% | 14.1% |
| 20 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 2 | 1.1% | 22.2% |
| 21 | Loandepot.Com, LLC | 2 | 1.1% | — |
| 22 | Broker Solutions, Inc. | 2 | 1.1% | — |
| 23 | Discover Bank | 2 | 1.1% | — |
| 24 | CROSSCOUNTRY MORTGAGE, INC. | 2 | 1.1% | — |
| 25 | Empeople Credit Union 58 out of 100, Moderate | 2 | 1.1% | 25.7% |
| 26 | AgCountry Farm Credit Services, FLCA | 2 | 1.1% | — |
| 27 | PLANET HOME LENDING, LLC | 2 | 1.1% | — |
| 28 | First International Bank & Trust 52 out of 100, Below average | 2 | 1.1% | 5.8% |
| 29 | PRIMARY RESIDENTIAL MORTGAGE, INC. | 2 | 1.1% | — |
| 30 | Servion, Inc. | 2 | 1.1% | — |
| 31 | FREEDOM MORTGAGE CORPORATION | 2 | 1.1% | — |
| 32 | LAKEVIEW LOAN SERVICING, LLC | 2 | 1.1% | — |
| 33 | First PREMIER Bank 85 out of 100, Very strong | 2 | 1.1% | 18.8% |
| 34 | The Huntington National Bank 59 out of 100, Moderate | 1 | 0.5% | 31.6% |
| 35 | NEWREZ LLC | 1 | 0.5% | — |
| 36 | MOVEMENT MORTGAGE, LLC | 1 | 0.5% | — |
| 37 | Bank of America, National Association 59 out of 100, Moderate | 1 | 0.5% | 44.7% |
| 38 | SPRING EQ, LLC | 1 | 0.5% | — |
| 39 | NBKC BANK | 1 | 0.5% | — |
| 40 | A&D Mortgage LLC | 1 | 0.5% | — |
Top 40 of 61 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