The First National Bank Of Milaca
The First National Bank Of Milaca received 98 applications in 2025 and made 73 mortgages, in 14 counties across 1 state. The median rate its borrowers got was Not published on a median loan of $115,000. Of 88 decisions, 15 were denials — 17.1%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300LX1HMON836J004 |
|---|---|
| Applications received | 98 |
| Mortgages made | 73 |
| Denied | 15 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 10 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: The First National Bank of Milaca, 4 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 39 | Not published | $175,000 | 15.2% |
| Refinancing | 19 | Not published | $105,000 | 17.4% |
| Other purposes | 15 | Not published | $75,000 | 21.1% |
Where The First National Bank Of Milaca lends most
The 14 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Mille Lacs County, MN | 47 | Not published | 19.0% |
| Wright County, MN | 5 | Under 10 loans | 0.0% |
| Benton County, MN | 4 | Under 10 loans | 33.3% |
| Morrison County, MN | 3 | Under 10 loans | 0.0% |
| Hennepin County, MN | 2 | Under 10 loans | 0.0% |
| Pine County, MN | 2 | Under 10 loans | 0.0% |
| Sherburne County, MN | 2 | Under 10 loans | 33.3% |
| Stearns County, MN | 2 | Under 10 loans | 0.0% |
| Aitkin County, MN | 1 | Under 10 loans | 50.0% |
| Blue Earth County, MN | 1 | Under 10 loans | 0.0% |
| Crow Wing County, MN | 1 | Under 10 loans | 0.0% |
| Isanti County, MN | 1 | Under 10 loans | 0.0% |
| Kanabec County, MN | 1 | Under 10 loans | 0.0% |
| Otter Tail County, MN | 1 | Under 10 loans | 0.0% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.