Minnesota · HMDA 2025
Mortgage lenders in Pine County, MN
172 lenders reported 1,351 home-loan applications in Pine County in 2025. 750 closed as loans ($155.8M), 215 were denied — a 21.6% denial rate on decided applications, above the Minnesota rate of 16.2%. The three most active lenders handled 23% of applications, led by Northview Bank. 16 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 1,351
- Loans originated
- 750
- Purchase / refinance
- 354 / 212
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Pine County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | Northview Bank 74 out of 100, Strong | 115 | 8.5% | 23.1% |
| 2 | Members Cooperative Credit Union | 99 | 7.3% | — |
| 3 | Blaze Credit Union 61 out of 100, Moderate | 99 | 7.3% | 14.3% |
| 4 | Rocket Mortgage, LLC | 71 | 5.3% | — |
| 5 | U.S. Bank National Association 55 out of 100, Moderate | 67 | 5.0% | 39.5% |
| 6 | UNITED SHORE FINANCIAL SERVICES, LLC | 39 | 2.9% | — |
| 7 | GUARANTEED RATE, INC. | 37 | 2.7% | — |
| 8 | AFFINITY PLUS | 36 | 2.7% | — |
| 9 | Frandsen Bank & Trust 71 out of 100, Strong | 35 | 2.6% | 7.9% |
| 10 | Broker Solutions, Inc. | 34 | 2.5% | — |
| 11 | PENNYMAC LOAN SERVICES, LLC | 32 | 2.4% | — |
| 12 | NEWREZ LLC | 27 | 2.0% | — |
| 13 | CROSSCOUNTRY MORTGAGE, INC. | 27 | 2.0% | — |
| 14 | Fairway Independent Mortgage Corporation | 21 | 1.6% | — |
| 15 | Mortgage Research Center, LLC | 21 | 1.6% | — |
| 16 | TRUSTONE FINANCIAL CREDIT UNION 68 out of 100, Moderate | 20 | 1.5% | 22.2% |
| 17 | COMPEER FINANCIAL, FLCA | 19 | 1.4% | — |
| 18 | MINNCO CREDIT UNION 70 out of 100, Strong | 18 | 1.3% | 23.0% |
| 19 | The First National Bank of Moose Lake 94 out of 100, Very strong | 16 | 1.2% | 17.1% |
| 20 | FREEDOM MORTGAGE CORPORATION | 16 | 1.2% | — |
| 21 | Loandepot.Com, LLC | 15 | 1.1% | — |
| 22 | AmeriSave Mortgage Corporation | 15 | 1.1% | — |
| 23 | PLAZA HOME MORTGAGE, INC. | 15 | 1.1% | — |
| 24 | NORTHWOODS | 15 | 1.1% | — |
| 25 | Bell Bank 59 out of 100, Moderate | 15 | 1.1% | 7.1% |
| 26 | NEW DAY FINANCIAL, LLC | 13 | 1.0% | — |
| 27 | Luminate Bank 47 out of 100, Below average | 12 | 0.9% | 4.3% |
| 28 | Coastal Community Bank 35 out of 100, Low | 12 | 0.9% | 3.0% |
| 29 | Granite Bank 53 out of 100, Below average | 11 | 0.8% | 6.2% |
| 30 | Navy Federal Credit Union 66 out of 100, Moderate | 10 | 0.7% | 32.9% |
| 31 | The Huntington National Bank 59 out of 100, Moderate | 9 | 0.7% | 31.6% |
| 32 | 21st Mortgage Corporation | 9 | 0.7% | — |
| 33 | SPRING EQ, LLC | 9 | 0.7% | — |
| 34 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 8 | 0.6% | 14.1% |
| 35 | GUILD MORTGAGE COMPANY | 8 | 0.6% | — |
| 36 | AMERIHOME MORTGAGE COMPANY, LLC | 8 | 0.6% | — |
| 37 | Paramount Residential Mortgage Group, Inc. | 8 | 0.6% | — |
| 38 | Neighborhood National Bank 56 out of 100, Moderate | 8 | 0.6% | 5.6% |
| 39 | NATIONSTAR MORTGAGE LLC | 8 | 0.6% | — |
| 40 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 7 | 0.5% | 22.2% |
Top 40 of 172 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