Minnesota · HMDA 2025
Mortgage lenders in Scott County, MN
310 lenders reported 6,536 home-loan applications in Scott County in 2025. 3,864 closed as loans ($1.3B), 781 were denied — a 16.1% denial rate on decided applications, close to the Minnesota rate of 16.2%. The three most active lenders handled 14% of applications, led by U.S. Bank National Association. 16 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 6,536
- Loans originated
- 3,864
- Purchase / refinance
- 2,068 / 921
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Scott County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | U.S. Bank National Association 55 out of 100, Moderate | 330 | 5.0% | 39.5% |
| 2 | TRUSTONE FINANCIAL CREDIT UNION 68 out of 100, Moderate | 320 | 4.9% | 22.2% |
| 3 | Wings Financial Credit Union | 293 | 4.5% | — |
| 4 | Rocket Mortgage, LLC | 256 | 3.9% | — |
| 5 | Bell Bank 59 out of 100, Moderate | 247 | 3.8% | 7.1% |
| 6 | UNITED SHORE FINANCIAL SERVICES, LLC | 225 | 3.4% | — |
| 7 | PENNYMAC LOAN SERVICES, LLC | 221 | 3.4% | — |
| 8 | NEWREZ LLC | 151 | 2.3% | — |
| 9 | Fairway Independent Mortgage Corporation | 140 | 2.1% | — |
| 10 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 132 | 2.0% | 14.1% |
| 11 | Old National Bank 59 out of 100, Moderate | 128 | 2.0% | 22.1% |
| 12 | NATIONSTAR MORTGAGE LLC | 126 | 1.9% | — |
| 13 | DHI MORTGAGE COMPANY, LTD. | 124 | 1.9% | — |
| 14 | AFFINITY PLUS | 117 | 1.8% | — |
| 15 | The Huntington National Bank 59 out of 100, Moderate | 102 | 1.6% | 31.6% |
| 16 | CROSSCOUNTRY MORTGAGE, INC. | 100 | 1.5% | — |
| 17 | LENNAR MORTGAGE, LLC | 95 | 1.5% | — |
| 18 | Blaze Credit Union 61 out of 100, Moderate | 91 | 1.4% | 14.3% |
| 19 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 88 | 1.3% | 22.2% |
| 20 | AMERIHOME MORTGAGE COMPANY, LLC | 84 | 1.3% | — |
| 21 | Prosperity Home Mortgage, LLC | 82 | 1.3% | — |
| 22 | Broker Solutions, Inc. | 81 | 1.2% | — |
| 23 | GUARANTEED RATE, INC. | 79 | 1.2% | — |
| 24 | FREEDOM MORTGAGE CORPORATION | 73 | 1.1% | — |
| 25 | Luminate Bank 47 out of 100, Below average | 68 | 1.0% | 4.3% |
| 26 | Coastal Community Bank 35 out of 100, Low | 68 | 1.0% | 3.0% |
| 27 | FIGURE LENDING LLC | 67 | 1.0% | — |
| 28 | M/I FINANCIAL, LLC | 63 | 1.0% | — |
| 29 | Bank of America, National Association 59 out of 100, Moderate | 62 | 0.9% | 44.7% |
| 30 | SPRING EQ, LLC | 60 | 0.9% | — |
| 31 | Granite Bank 53 out of 100, Below average | 60 | 0.9% | 6.2% |
| 32 | Mortgage Research Center, LLC | 54 | 0.8% | — |
| 33 | Royal Credit Union 73 out of 100, Strong | 53 | 0.8% | 11.3% |
| 34 | Tradition Mortgage, LLC | 52 | 0.8% | — |
| 35 | EVERETT FINANCIAL, INC. | 51 | 0.8% | — |
| 36 | Frandsen Bank & Trust 71 out of 100, Strong | 50 | 0.8% | 7.9% |
| 37 | Loandepot.Com, LLC | 47 | 0.7% | — |
| 38 | First Bank & Trust 70 out of 100, Strong | 47 | 0.7% | 14.9% |
| 39 | Alerus Financial, National Association 70 out of 100, Strong | 46 | 0.7% | 10.1% |
| 40 | Associated Bank, National Association | 42 | 0.6% | — |
Top 40 of 310 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
- Olmsted County 5,774 apps
- Stearns County 5,097 apps
- Carver County 5,082 apps
- Sherburne County 4,765 apps
- Crow Wing County 2,996 apps