Minnesota · HMDA 2025
Mortgage lenders in St. Louis County, MN
324 lenders reported 6,914 home-loan applications in St. Louis County in 2025. 4,134 closed as loans ($949.0M), 798 were denied — a 15.5% denial rate on decided applications, close to the Minnesota rate of 16.2%. The three most active lenders handled 19% of applications, led by U.S. Bank National Association. 18 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 6,914
- Loans originated
- 4,134
- Purchase / refinance
- 2,290 / 1,069
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in St. Louis County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | U.S. Bank National Association 55 out of 100, Moderate | 597 | 8.6% | 39.5% |
| 2 | North Shore Bank of Commerce 71 out of 100, Strong | 429 | 6.2% | 5.2% |
| 3 | Rocket Mortgage, LLC | 297 | 4.3% | — |
| 4 | Members Cooperative Credit Union | 248 | 3.6% | — |
| 5 | Fairway Independent Mortgage Corporation | 235 | 3.4% | — |
| 6 | AFFINITY PLUS | 226 | 3.3% | — |
| 7 | CENTRICITY Credit Union 85 out of 100, Very strong | 225 | 3.3% | 13.0% |
| 8 | Frandsen Bank & Trust 71 out of 100, Strong | 211 | 3.1% | 7.9% |
| 9 | Bell Bank 59 out of 100, Moderate | 189 | 2.7% | 7.1% |
| 10 | North Shore Federal Credit Union 74 out of 100, Strong | 177 | 2.6% | 10.3% |
| 11 | PENNYMAC LOAN SERVICES, LLC | 158 | 2.3% | — |
| 12 | UNITED SHORE FINANCIAL SERVICES, LLC | 132 | 1.9% | — |
| 13 | National Bank of Commerce 70 out of 100, Strong | 132 | 1.9% | 4.8% |
| 14 | NEWREZ LLC | 130 | 1.9% | — |
| 15 | Park State Bank 66 out of 100, Moderate | 130 | 1.9% | 12.5% |
| 16 | Mortgage Research Center, LLC | 115 | 1.7% | — |
| 17 | Summit Mortgage Corporation | 110 | 1.6% | — |
| 18 | Servion, Inc. | 97 | 1.4% | — |
| 19 | NATIONSTAR MORTGAGE LLC | 94 | 1.4% | — |
| 20 | REGENT FINANCIAL GROUP, INC. | 92 | 1.3% | — |
| 21 | Broker Solutions, Inc. | 90 | 1.3% | — |
| 22 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 76 | 1.1% | 22.2% |
| 23 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 74 | 1.1% | 14.1% |
| 24 | Harbor Pointe Credit Union 73 out of 100, Strong | 71 | 1.0% | 0.9% |
| 25 | FREEDOM MORTGAGE CORPORATION | 67 | 1.0% | — |
| 26 | Granite Bank 53 out of 100, Below average | 59 | 0.9% | 6.2% |
| 27 | AMERIHOME MORTGAGE COMPANY, LLC | 58 | 0.8% | — |
| 28 | Northview Bank 74 out of 100, Strong | 57 | 0.8% | 23.1% |
| 29 | Coastal Community Bank 35 out of 100, Low | 56 | 0.8% | 3.0% |
| 30 | The Miners National Bank of Eveleth | 55 | 0.8% | — |
| 31 | TRIAD FINANCIAL SERVICES, INC. | 54 | 0.8% | — |
| 32 | NORTH STAR CREDIT UNION 72 out of 100, Strong | 54 | 0.8% | 7.7% |
| 33 | AMERICAN PACIFIC MORTGAGE CORPORATION | 53 | 0.8% | — |
| 34 | 21st Mortgage Corporation | 51 | 0.7% | — |
| 35 | Superior Choice Credit Union 56 out of 100, Moderate | 51 | 0.7% | 22.8% |
| 36 | EVERETT FINANCIAL, INC. | 51 | 0.7% | — |
| 37 | Loandepot.Com, LLC | 49 | 0.7% | — |
| 38 | The First National Bank of Gilbert 59 out of 100, Moderate | 48 | 0.7% | 0.0% |
| 39 | FIGURE LENDING LLC | 46 | 0.7% | — |
| 40 | The Huntington National Bank 59 out of 100, Moderate | 43 | 0.6% | 31.6% |
Top 40 of 324 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
- 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
- Crow Wing County 2,996 apps