Minnesota · HMDA 2025
Mortgage lenders in Winona County, MN
132 lenders reported 1,472 home-loan applications in Winona County in 2025. 1,051 closed as loans ($169.1M), 151 were denied — a 12.2% denial rate on decided applications, below the Minnesota rate of 16.2%. The three most active lenders handled 48% of applications, led by Merchants Bank, National Association. 18 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 1,472
- Loans originated
- 1,051
- Purchase / refinance
- 516 / 292
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Winona County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | Merchants Bank, National Association 73 out of 100, Strong | 421 | 28.6% | 5.9% |
| 2 | ALTRA Federal Credit Union 78 out of 100, Strong | 239 | 16.2% | 9.3% |
| 3 | AFFINITY PLUS | 53 | 3.6% | — |
| 4 | U.S. Bank National Association 55 out of 100, Moderate | 50 | 3.4% | 39.5% |
| 5 | WNB FINANCIAL, N.A. 76 out of 100, Strong | 45 | 3.1% | 6.7% |
| 6 | 21st Mortgage Corporation | 43 | 2.9% | — |
| 7 | Bell Bank 59 out of 100, Moderate | 38 | 2.6% | 7.1% |
| 8 | TRIAD FINANCIAL SERVICES, INC. | 32 | 2.2% | — |
| 9 | UNITED SHORE FINANCIAL SERVICES, LLC | 29 | 2.0% | — |
| 10 | Old National Bank 59 out of 100, Moderate | 25 | 1.7% | 22.1% |
| 11 | MARINE CREDIT UNION 53 out of 100, Below average | 24 | 1.6% | 44.9% |
| 12 | Alerus Financial, National Association 70 out of 100, Strong | 23 | 1.6% | 10.1% |
| 13 | Rocket Mortgage, LLC | 20 | 1.4% | — |
| 14 | Broker Solutions, Inc. | 15 | 1.0% | — |
| 15 | Peoples State Bank of Plainview 66 out of 100, Moderate | 15 | 1.0% | 6.3% |
| 16 | PENNYMAC LOAN SERVICES, LLC | 14 | 1.0% | — |
| 17 | Minnwest Bank 68 out of 100, Moderate | 14 | 1.0% | 11.9% |
| 18 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 13 | 0.9% | 22.2% |
| 19 | FREEDOM MORTGAGE CORPORATION | 13 | 0.9% | — |
| 20 | AMERIHOME MORTGAGE COMPANY, LLC | 12 | 0.8% | — |
| 21 | Bremer Bank, National Association | 12 | 0.8% | — |
| 22 | MAYO EMPLOYEES FEDERAL CREDIT UNION 98 out of 100, Very strong | 11 | 0.7% | 18.7% |
| 23 | CMG MORTGAGE, INC. | 10 | 0.7% | — |
| 24 | COMPEER FINANCIAL, FLCA | 9 | 0.6% | — |
| 25 | NATIONSTAR MORTGAGE LLC | 9 | 0.6% | — |
| 26 | ESB Bank | 9 | 0.6% | — |
| 27 | The Huntington National Bank 59 out of 100, Moderate | 8 | 0.5% | 31.6% |
| 28 | SPRING EQ, LLC | 8 | 0.5% | — |
| 29 | Think Mutual Bank 86 out of 100, Very strong | 8 | 0.5% | 12.2% |
| 30 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 7 | 0.5% | 14.1% |
| 31 | FIGURE LENDING LLC | 7 | 0.5% | — |
| 32 | SOFI BANK, NATIONAL ASSOCIATION | 7 | 0.5% | — |
| 33 | Loandepot.Com, LLC | 6 | 0.4% | — |
| 34 | Discover Bank | 6 | 0.4% | — |
| 35 | AmeriSave Mortgage Corporation | 6 | 0.4% | — |
| 36 | LAKEVIEW LOAN SERVICING, LLC | 6 | 0.4% | — |
| 37 | Coastal Community Bank 35 out of 100, Low | 6 | 0.4% | 3.0% |
| 38 | Fairway Independent Mortgage Corporation | 5 | 0.3% | — |
| 39 | First Alliance Credit Union 67 out of 100, Moderate | 5 | 0.3% | 43.6% |
| 40 | Citizens State Bank of La Crosse 76 out of 100, Strong | 5 | 0.3% | 4.6% |
Top 40 of 132 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