Home purchase lenders in Clay County
871 home purchase mortgages were made in Clay County, Minnesota, in 2025, by 113 lenders. The median rate their borrowers got was 6.400% on a median loan of $235,000. Of 962 decisions, 71 were denials — 7.4%, most often for credit history.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Bell Bank | 119 | 6.490% | $225,000 | 2.4% |
| Gate City Bank | 100 | 6.250% | $210,000 | 1.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 53 | 6.375% | $255,000 | 5.4% |
| FIRST COMMUNITY CREDIT UNION | 41 | 6.000% | $225,000 | 0.0% |
| VALLEY MORTGAGE, INC. | 40 | 6.433% | $265,000 | 0.0% |
| First International Bank & Trust | 29 | 6.375% | $295,000 | 6.5% |
| Western State Bank | 27 | 6.375% | $215,000 | 12.9% |
| Granite Bank | 27 | 6.250% | $255,000 | 10.0% |
| TOWN AND COUNTRY Credit Union | 26 | 6.313% | $255,000 | 3.7% |
| GUILD MORTGAGE COMPANY | 26 | 6.563% | $240,000 | 7.1% |
| Fairway Independent Mortgage Corporation | 23 | 6.490% | $195,000 | 11.5% |
| Choice Financial Group | 23 | 6.125% | $285,000 | 11.5% |
| First Western Bank & Trust | 23 | 6.625% | $175,000 | 4.2% |
| CMG MORTGAGE, INC. | 22 | 6.250% | $265,000 | 4.2% |
| U.S. Bank National Association | 22 | 6.375% | $235,000 | 0.0% |
| Cambria Financial Group, LLC | 20 | 6.438% | $270,000 | 4.8% |
| Wells Fargo Bank, National Association | 16 | 6.438% | $210,000 | 5.9% |
| Rocket Mortgage, LLC | 14 | 6.990% | $190,000 | 6.7% |
| GUARANTEED RATE, INC. | 13 | 6.425% | $305,000 | 7.1% |
| Valley Premier Bank | 13 | Not published | $155,000 | 6.7% |
| Midwest Bank | 13 | Not published | $185,000 | 0.0% |
| Mortgage Research Center, LLC | 12 | 6.250% | $280,000 | 14.3% |
| American Federal Bank | 10 | Not published | $255,000 | 0.0% |
| MAGNIFI FINANCIAL CREDIT UNION | 9 | Under 10 loans | Under 10 loans | 0.0% |
| NEWREZ LLC | 7 | Under 10 loans | Under 10 loans | 22.2% |
| CAPITAL | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Alerus Financial, National Association | 7 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Border Bank | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Old National Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Northwestern Bank, National Association | 5 | Under 10 loans | Under 10 loans | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | 4 | Under 10 loans | Under 10 loans | 38.9% |
| Broker Solutions, Inc. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| FREEDOM MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Starion Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PENNYMAC LOAN SERVICES, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AFFINITY PLUS | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Tomo Mortgage, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GUIDANCE RESIDENTIAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| 21st Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 71.4% |
| Navy Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CANOPY MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PNC Bank, National Association | 2 | Under 10 loans | Under 10 loans | 33.3% |
| USAA Federal Savings Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AgCountry Farm Credit Services, FLCA | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Click n' Close, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Loandepot.Com, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Sunrise Banks, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Bank Forward | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MASON MCDUFFIE MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Bravera Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Dacotah Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Frandsen Bank & Trust | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BANKWEST, INC. | 1 | Under 10 loans | Under 10 loans | 83.3% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bremer Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ENVOY MORTGAGE, LTD | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 66.7% |
| JPMorgan Chase Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NBKC BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Empeople Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone First Mortgage, Inc | 1 | Under 10 loans | Under 10 loans | 0.0% |
| KODABANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Huntington National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Armed Forces Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Toyota Financial Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Kirkwood Bank & Trust Co. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BankVista | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Wings Financial Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BAY EQUITY LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Ixonia Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bank Midwest | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MEGASTAR FINANCIAL CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CITY FIRST MORTGAGE SERVICES, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Park State Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SouthState Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of America, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| American National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Plains Commerce Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| TOWNE MORTGAGE COMPANY | 0 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 0 | Under 10 loans | Under 10 loans | 0.0% |
| ARC HOME LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Commerce Home Mortgage, Inc. | 0 | Under 10 loans | Under 10 loans | Not published |
| MOVEMENT MORTGAGE, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| NextMortgage, LLC | 0 | Under 10 loans | Under 10 loans | 0.0% |
| WEST GATE BANK | 0 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| First PREMIER Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Citadel Servicing Corporation | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERIHOME MORTGAGE COMPANY, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| PLANET HOME LENDING, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| DATA MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| NATIONSTAR MORTGAGE LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| VILLAGE CAPITAL & INVESTMENT LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Truist Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| PHH Mortgage Corporation | 0 | Under 10 loans | Under 10 loans | Not published |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials.
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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.