Minnesota · HMDA 2025
Mortgage lenders in Otter Tail County, MN
201 lenders reported 1,994 home-loan applications in Otter Tail County in 2025. 1,242 closed as loans ($293.5M), 219 were denied — a 14.6% denial rate on decided applications, below the Minnesota rate of 16.2%. The three most active lenders handled 24% of applications, led by Bell Bank. 17 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 1,994
- Loans originated
- 1,242
- Purchase / refinance
- 573 / 394
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Otter Tail County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | Bell Bank 59 out of 100, Moderate | 199 | 10.0% | 7.1% |
| 2 | UNITED SHORE FINANCIAL SERVICES, LLC | 149 | 7.5% | — |
| 3 | Gate City Bank | 133 | 6.7% | — |
| 4 | U.S. Bank National Association 55 out of 100, Moderate | 100 | 5.0% | 39.5% |
| 5 | AFFINITY PLUS | 97 | 4.9% | — |
| 6 | Rocket Mortgage, LLC | 81 | 4.1% | — |
| 7 | PENNYMAC LOAN SERVICES, LLC | 58 | 2.9% | — |
| 8 | Old National Bank 59 out of 100, Moderate | 51 | 2.6% | 22.1% |
| 9 | American Federal Bank 66 out of 100, Moderate | 45 | 2.3% | 12.5% |
| 10 | MAGNIFI FINANCIAL CREDIT UNION 68 out of 100, Moderate | 43 | 2.2% | 12.6% |
| 11 | Mortgage Research Center, LLC | 42 | 2.1% | — |
| 12 | BMO Bank National Association 83 out of 100, Strong | 42 | 2.1% | 40.5% |
| 13 | Tradition Mortgage, LLC | 38 | 1.9% | — |
| 14 | NEWREZ LLC | 31 | 1.6% | — |
| 15 | NATIONSTAR MORTGAGE LLC | 29 | 1.5% | — |
| 16 | AMERIHOME MORTGAGE COMPANY, LLC | 26 | 1.3% | — |
| 17 | Merchants Bank, National Association 73 out of 100, Strong | 26 | 1.3% | 5.9% |
| 18 | Loandepot.Com, LLC | 25 | 1.3% | — |
| 19 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 24 | 1.2% | 14.1% |
| 20 | First International Bank & Trust 52 out of 100, Below average | 24 | 1.2% | 5.8% |
| 21 | FREEDOM MORTGAGE CORPORATION | 24 | 1.2% | — |
| 22 | PRIMARY RESIDENTIAL MORTGAGE, INC. | 23 | 1.2% | — |
| 23 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 22 | 1.1% | 22.2% |
| 24 | Bremer Bank, National Association | 22 | 1.1% | — |
| 25 | Granite Bank 53 out of 100, Below average | 19 | 1.0% | 6.2% |
| 26 | Citizens Bank, National Association 54 out of 100, Below average | 18 | 0.9% | 32.5% |
| 27 | NEW DAY FINANCIAL, LLC | 17 | 0.9% | — |
| 28 | FIRST COMMUNITY CREDIT UNION | 15 | 0.8% | — |
| 29 | FIGURE LENDING LLC | 15 | 0.8% | — |
| 30 | Midwest Bank 74 out of 100, Strong | 15 | 0.8% | 2.2% |
| 31 | TRUSTONE FINANCIAL CREDIT UNION 68 out of 100, Moderate | 15 | 0.8% | 22.2% |
| 32 | ENVOY MORTGAGE, LTD | 14 | 0.7% | — |
| 33 | AmeriSave Mortgage Corporation | 13 | 0.7% | — |
| 34 | First Western Bank & Trust 55 out of 100, Moderate | 13 | 0.7% | 5.4% |
| 35 | Fairway Independent Mortgage Corporation | 12 | 0.6% | — |
| 36 | Broker Solutions, Inc. | 12 | 0.6% | — |
| 37 | TOWN AND COUNTRY Credit Union 64 out of 100, Moderate | 12 | 0.6% | 3.2% |
| 38 | Coastal Community Bank 35 out of 100, Low | 12 | 0.6% | 3.0% |
| 39 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 11 | 0.6% | — |
| 40 | PLANET HOME LENDING, LLC | 11 | 0.6% | — |
Top 40 of 201 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