Minnesota · HMDA 2025
Mortgage lenders in Rice County, MN
208 lenders reported 2,036 home-loan applications in Rice County in 2025. 1,295 closed as loans ($312.9M), 219 were denied — a 13.9% denial rate on decided applications, below the Minnesota rate of 16.2%. The three most active lenders handled 16% of applications, led by AFFINITY PLUS. 12 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 2,036
- Loans originated
- 1,295
- Purchase / refinance
- 714 / 322
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Rice County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | AFFINITY PLUS | 123 | 6.0% | — |
| 2 | UNITED SHORE FINANCIAL SERVICES, LLC | 110 | 5.4% | — |
| 3 | Rocket Mortgage, LLC | 91 | 4.5% | — |
| 4 | U.S. Bank National Association 55 out of 100, Moderate | 91 | 4.5% | 39.5% |
| 5 | GUARANTEED RATE, INC. | 87 | 4.3% | — |
| 6 | CROSSCOUNTRY MORTGAGE, INC. | 74 | 3.6% | — |
| 7 | Merchants Bank, National Association 73 out of 100, Strong | 63 | 3.1% | 5.9% |
| 8 | PENNYMAC LOAN SERVICES, LLC | 61 | 3.0% | — |
| 9 | TRUSTONE FINANCIAL CREDIT UNION 68 out of 100, Moderate | 61 | 3.0% | 22.2% |
| 10 | Wings Financial Credit Union | 54 | 2.7% | — |
| 11 | Frandsen Bank & Trust 71 out of 100, Strong | 51 | 2.5% | 7.9% |
| 12 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 50 | 2.5% | 22.2% |
| 13 | The State Bank of Faribault | 50 | 2.5% | — |
| 14 | Bell Bank 59 out of 100, Moderate | 50 | 2.5% | 7.1% |
| 15 | Prosperity Home Mortgage, LLC | 36 | 1.8% | — |
| 16 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 31 | 1.5% | 14.1% |
| 17 | Loandepot.Com, LLC | 31 | 1.5% | — |
| 18 | FREEDOM MORTGAGE CORPORATION | 31 | 1.5% | — |
| 19 | Fairway Independent Mortgage Corporation | 30 | 1.5% | — |
| 20 | NATIONSTAR MORTGAGE LLC | 29 | 1.4% | — |
| 21 | Community Resource Bank | 28 | 1.4% | — |
| 22 | NEWREZ LLC | 27 | 1.3% | — |
| 23 | AMERIHOME MORTGAGE COMPANY, LLC | 26 | 1.3% | — |
| 24 | 21st Mortgage Corporation | 25 | 1.2% | — |
| 25 | Mortgage Research Center, LLC | 23 | 1.1% | — |
| 26 | COMPEER FINANCIAL, FLCA | 23 | 1.1% | — |
| 27 | SPRING EQ, LLC | 21 | 1.0% | — |
| 28 | FIGURE LENDING LLC | 21 | 1.0% | — |
| 29 | Luminate Bank 47 out of 100, Below average | 20 | 1.0% | 4.3% |
| 30 | The Huntington National Bank 59 out of 100, Moderate | 18 | 0.9% | 31.6% |
| 31 | Broker Solutions, Inc. | 18 | 0.9% | — |
| 32 | Coastal Community Bank 35 out of 100, Low | 17 | 0.8% | 3.0% |
| 33 | Heritage Bank Minnesota 57 out of 100, Moderate | 17 | 0.8% | 0.0% |
| 34 | CMG MORTGAGE, INC. | 16 | 0.8% | — |
| 35 | Minnwest Bank 68 out of 100, Moderate | 16 | 0.8% | 11.9% |
| 36 | PLAZA HOME MORTGAGE, INC. | 15 | 0.7% | — |
| 37 | MUTUAL OF OMAHA MORTGAGE, INC. | 15 | 0.7% | — |
| 38 | MOVEMENT MORTGAGE, LLC | 14 | 0.7% | — |
| 39 | SOFI BANK, NATIONAL ASSOCIATION | 14 | 0.7% | — |
| 40 | TRIAD FINANCIAL SERVICES, INC. | 13 | 0.6% | — |
Top 40 of 208 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