Minnesota · HMDA 2025
Mortgage lenders in Stearns County, MN
258 lenders reported 5,097 home-loan applications in Stearns County in 2025. 3,149 closed as loans ($821.4M), 525 were denied — a 13.8% denial rate on decided applications, below the Minnesota rate of 16.2%. The three most active lenders handled 20% of applications, led by MAGNIFI FINANCIAL CREDIT UNION. 14 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 5,097
- Loans originated
- 3,149
- Purchase / refinance
- 1,809 / 862
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Stearns County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | MAGNIFI FINANCIAL CREDIT UNION 68 out of 100, Moderate | 492 | 9.7% | 12.6% |
| 2 | U.S. Bank National Association 55 out of 100, Moderate | 309 | 6.1% | 39.5% |
| 3 | HOMEOWNERS FINANCIAL GROUP USA, LLC | 202 | 4.0% | — |
| 4 | ST. CLOUD FINANCIAL | 180 | 3.5% | — |
| 5 | Liberty Bank Minnesota 86 out of 100, Very strong | 169 | 3.3% | 3.3% |
| 6 | PENNYMAC LOAN SERVICES, LLC | 166 | 3.3% | — |
| 7 | UNITED SHORE FINANCIAL SERVICES, LLC | 159 | 3.1% | — |
| 8 | Rocket Mortgage, LLC | 155 | 3.0% | — |
| 9 | PLAZA HOME MORTGAGE, INC. | 123 | 2.4% | — |
| 10 | TRUSTONE FINANCIAL CREDIT UNION 68 out of 100, Moderate | 116 | 2.3% | 22.2% |
| 11 | Deerwood Bank 68 out of 100, Moderate | 99 | 1.9% | 5.2% |
| 12 | FREEDOM MORTGAGE CORPORATION | 98 | 1.9% | — |
| 13 | AFFINITY PLUS | 98 | 1.9% | — |
| 14 | Broker Solutions, Inc. | 90 | 1.8% | — |
| 15 | NEWREZ LLC | 88 | 1.7% | — |
| 16 | Fairway Independent Mortgage Corporation | 87 | 1.7% | — |
| 17 | Mortgage Research Center, LLC | 83 | 1.6% | — |
| 18 | Old National Bank 59 out of 100, Moderate | 83 | 1.6% | 22.1% |
| 19 | EVERETT FINANCIAL, INC. | 78 | 1.5% | — |
| 20 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 72 | 1.4% | 14.1% |
| 21 | 21st Mortgage Corporation | 64 | 1.3% | — |
| 22 | AMERIHOME MORTGAGE COMPANY, LLC | 58 | 1.1% | — |
| 23 | CROSSCOUNTRY MORTGAGE, INC. | 57 | 1.1% | — |
| 24 | NATIONSTAR MORTGAGE LLC | 55 | 1.1% | — |
| 25 | Bell Bank 59 out of 100, Moderate | 54 | 1.1% | 7.1% |
| 26 | Blaze Credit Union 61 out of 100, Moderate | 53 | 1.0% | 14.3% |
| 27 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 49 | 1.0% | — |
| 28 | Sentry Bank | 49 | 1.0% | — |
| 29 | Granite Bank 53 out of 100, Below average | 49 | 1.0% | 6.2% |
| 30 | Loandepot.Com, LLC | 43 | 0.8% | — |
| 31 | TRIAD FINANCIAL SERVICES, INC. | 41 | 0.8% | — |
| 32 | GUARANTEED RATE, INC. | 39 | 0.8% | — |
| 33 | The Huntington National Bank 59 out of 100, Moderate | 38 | 0.7% | 31.6% |
| 34 | Freeport State Bank | 38 | 0.7% | — |
| 35 | Minnesota National Bank 70 out of 100, Strong | 36 | 0.7% | 0.9% |
| 36 | Royal Credit Union 73 out of 100, Strong | 35 | 0.7% | 11.3% |
| 37 | FIGURE LENDING LLC | 34 | 0.7% | — |
| 38 | COMPEER FINANCIAL, FLCA | 32 | 0.6% | — |
| 39 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 31 | 0.6% | 22.2% |
| 40 | Prosperity Home Mortgage, LLC | 31 | 0.6% | — |
Top 40 of 258 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
- Carver County 5,082 apps
- Sherburne County 4,765 apps
- Crow Wing County 2,996 apps