Refinancing lenders in Hennepin County
3,578 refinancing mortgages were made in Hennepin County, Minnesota, in 2025, by 331 lenders. The median rate their borrowers got was 6.240% on a median loan of $315,000. Of 4,504 decisions, 710 were denials — 15.8%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| TRUSTONE FINANCIAL CREDIT UNION | 358 | 7.250% | $145,000 | 16.3% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 336 | 5.992% | $370,000 | 11.4% |
| Bell Bank | 207 | 6.250% | $355,000 | 7.1% |
| Rocket Mortgage, LLC | 183 | 5.990% | $355,000 | 18.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 110 | 6.125% | $350,000 | 2.6% |
| U.S. Bank National Association | 105 | 6.490% | $445,000 | 15.4% |
| The Huntington National Bank | 97 | 6.625% | $295,000 | 26.5% |
| PENNYMAC LOAN SERVICES, LLC | 96 | 5.990% | $395,000 | 12.9% |
| Wings Financial Credit Union | 95 | 7.250% | $135,000 | 18.8% |
| Alerus Financial, National Association | 91 | 7.000% | $305,000 | 13.8% |
| AFFINITY PLUS | 72 | 6.620% | $95,000 | 17.4% |
| Old National Bank | 60 | 5.990% | $235,000 | 14.7% |
| Tradition Mortgage, LLC | 57 | 6.625% | $475,000 | 0.0% |
| NEWREZ LLC | 49 | 5.990% | $355,000 | 30.3% |
| FREEDOM MORTGAGE CORPORATION | 49 | 6.250% | $345,000 | 8.0% |
| GUILD MORTGAGE COMPANY | 46 | 6.500% | $345,000 | 3.9% |
| Highland Bank | 45 | Not published | $155,000 | 0.0% |
| Fairway Independent Mortgage Corporation | 41 | 6.125% | $365,000 | 8.9% |
| JPMorgan Chase Bank, National Association | 41 | 6.125% | $475,000 | 8.3% |
| Loandepot.Com, LLC | 40 | 5.875% | $400,000 | 4.6% |
| VERIDIAN CREDIT UNION | 37 | 6.490% | $185,000 | 2.6% |
| Wells Fargo Bank, National Association | 35 | 5.875% | $310,000 | 10.3% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 35 | 6.000% | $295,000 | 2.8% |
| Prosperity Home Mortgage, LLC | 34 | 5.995% | $390,000 | 17.1% |
| Bank of America, National Association | 33 | 5.990% | $205,000 | 25.0% |
| GUARANTEED RATE, INC. | 32 | 6.075% | $435,000 | 8.6% |
| Blaze Credit Union | 29 | 6.375% | $205,000 | 18.4% |
| A&D Mortgage LLC | 29 | 5.990% | $445,000 | 0.0% |
| Luminate Bank | 27 | 6.000% | $365,000 | 0.0% |
| Associated Bank, National Association | 27 | 7.000% | $105,000 | 37.8% |
| PLAZA HOME MORTGAGE, INC. | 25 | 5.625% | $455,000 | 7.4% |
| Broker Solutions, Inc. | 24 | 6.188% | $380,000 | 22.6% |
| CMG MORTGAGE, INC. | 24 | 6.490% | $315,000 | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 22 | 6.000% | $400,000 | 7.4% |
| LAKEVIEW LOAN SERVICING, LLC | 21 | 5.990% | $445,000 | 72.2% |
| American National Bank | 21 | 7.050% | $195,000 | 0.0% |
| Bravera Bank | 21 | Not published | $105,000 | 0.0% |
| Deerwood Bank | 20 | 7.250% | $205,000 | 4.8% |
| Third Federal Savings and Loan Association of Cleveland | 18 | 6.990% | $215,000 | 32.1% |
| NBKC BANK | 18 | 5.875% | $425,000 | 0.0% |
| Kiavi Funding, Inc. | 18 | 7.000% | $175,000 | 5.0% |
| NATIONSTAR MORTGAGE LLC | 17 | 6.250% | $365,000 | 13.6% |
| UNION HOME MORTGAGE CORP. | 17 | 5.990% | $315,000 | 5.3% |
| MidWestOne Bank | 17 | 5.990% | $255,000 | 10.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 16 | 6.000% | $395,000 | 5.9% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 15 | 6.500% | $355,000 | 0.0% |
| Royal Credit Union | 14 | 6.138% | $535,000 | 11.8% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 13 | 6.125% | $335,000 | 0.0% |
| Florida Capital Bank, National Association | 13 | 6.250% | $625,000 | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 12 | 6.375% | $335,000 | 18.8% |
| Granite Bank | 12 | 6.495% | $330,000 | 18.8% |
| EVERETT FINANCIAL, INC. | 12 | 6.063% | $420,000 | 0.0% |
| Bridgewater Bank | 12 | Not published | $405,000 | 18.8% |
| Baxter Credit Union | 12 | 5.500% | $420,000 | 5.9% |
| Bremer Bank, National Association | 12 | 8.425% | $175,000 | 25.0% |
| Think Mutual Bank | 12 | 6.690% | $105,000 | 14.3% |
| PLANET HOME LENDING, LLC | 12 | 6.375% | $285,000 | 7.7% |
| Cambria Financial Group, LLC | 11 | 6.250% | $365,000 | 0.0% |
| LOWER, LLC | 11 | 5.625% | $455,000 | 7.7% |
| MOVEMENT MORTGAGE, LLC | 11 | 6.125% | $325,000 | 0.0% |
| Security Bank & Trust Company | 11 | Not published | $345,000 | 8.3% |
| Merchants Bank, National Association | 11 | 6.750% | $175,000 | 0.0% |
| SWBC MORTGAGE CORPORATION | 10 | 6.000% | $360,000 | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | 10 | 5.938% | $200,000 | 0.0% |
| TOPLINE FINANCIAL CREDIT UNION | 10 | 6.120% | $100,000 | 9.1% |
| Mortgage Research Center, LLC | 9 | Under 10 loans | Under 10 loans | 61.5% |
| Paramount Residential Mortgage Group, Inc. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Sunrise Banks, National Association | 9 | Under 10 loans | Under 10 loans | 18.2% |
| Citizens Bank, National Association | 8 | Under 10 loans | Under 10 loans | 33.3% |
| KIND LENDING, LLC | 8 | Under 10 loans | Under 10 loans | 33.3% |
| FINANCE OF AMERICA REVERSE LLC | 8 | Under 10 loans | Under 10 loans | 20.0% |
| Minnwest Bank | 8 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 8 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 8 | Under 10 loans | Under 10 loans | 11.1% |
| GUARANTEED RATE AFFINITY, LLC | 7 | Under 10 loans | Under 10 loans | 41.7% |
| MASON MCDUFFIE MORTGAGE CORPORATION | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Barrington Bank & Trust Company, National Association | 7 | Under 10 loans | Under 10 loans | 20.0% |
| CorTrust Bank National Association | 7 | Under 10 loans | Under 10 loans | 22.2% |
| First Bank & Trust | 7 | Under 10 loans | Under 10 loans | 22.2% |
| ALLIANT CREDIT UNION | 7 | Under 10 loans | Under 10 loans | 30.0% |
| 21st Century Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Navy Federal Credit Union | 6 | Under 10 loans | Under 10 loans | 36.4% |
| Summit Mortgage Corporation | 6 | Under 10 loans | Under 10 loans | 25.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 6 | Under 10 loans | Under 10 loans | 14.3% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 6 | Under 10 loans | Under 10 loans | 14.3% |
| RESICENTRAL, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| First Resource Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Independent Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Vermillion State Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 37.5% |
| Frandsen Bank & Trust | 5 | Under 10 loans | Under 10 loans | 0.0% |
| PNC Bank, National Association | 5 | Under 10 loans | Under 10 loans | 50.0% |
| PENTAGON FEDERAL CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 33.3% |
| CITY-COUNTY CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 5 | Under 10 loans | Under 10 loans | 28.6% |
| HomeTown Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| HOMESTEAD FUNDING CORP. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Gateway Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| First Farmers & Merchants National Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Dollar Bank, Federal Savings Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| SPRING EQ, LLC | 4 | Under 10 loans | Under 10 loans | 42.9% |
| PHH Mortgage Corporation | 4 | Under 10 loans | Under 10 loans | 33.3% |
| CORTRUST MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 42.9% |
| THE LOAN STORE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Plains Commerce Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 4 | Under 10 loans | Under 10 loans | 33.3% |
| NEW DAY FINANCIAL, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Bethpage Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 20.0% |
| ROYAL UNITED MORTGAGE LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers Bank & Trust | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PREMIER LENDING, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| BANKWEST | 4 | Under 10 loans | Under 10 loans | 0.0% |
| The Bank of Elk River | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MILEND, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| OCMBC, INC. | 3 | Under 10 loans | Under 10 loans | 28.6% |
| MAGNIFI FINANCIAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 28.6% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 40.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 3 | Under 10 loans | Under 10 loans | 16.7% |
| Connexus Credit Union | 3 | Under 10 loans | Under 10 loans | 25.0% |
| SOUTH RIVER MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| IDEAL Credit Union | 3 | Under 10 loans | Under 10 loans | 20.0% |
| UMB Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GENEVA FINANCIAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| DIGITAL | 3 | Under 10 loans | Under 10 loans | 25.0% |
| LoanUnited.com, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ONY GLO, INC. | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Ixonia Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| University of Wisconsin Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Platinum Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| TRADITIONAL MORTGAGE ACCEPTANCE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SUCCESS MORTGAGE PARTNERS, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GREENSTATE Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PIKE CREEK MORTGAGE SERVICES, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| 2549004XDCE3LGQW7H72 | 3 | Under 10 loans | Under 10 loans | 0.0% |
| First International Bank & Trust | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Premier Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| V.I.P. MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 2 | Under 10 loans | Under 10 loans | 25.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 2 | Under 10 loans | Under 10 loans | 66.7% |
| ALLIED MORTGAGE GROUP, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BMO Bank National Association | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Citizens State Bank | 2 | Under 10 loans | Under 10 loans | 60.0% |
| Genisys Credit Union | 2 | Under 10 loans | Under 10 loans | 40.0% |
| Great Southern Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Synergy One Lending, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NQM FUNDING, LLC | 2 | Under 10 loans | Under 10 loans | 25.0% |
| Primis Mortgage Company | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Armed Forces Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 50.0% |
| South Story Bank & Trust | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTH METRO FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| St. Paul Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MY Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LADERA LENDING, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Griffin Funding, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Choice Financial Group | 2 | Under 10 loans | Under 10 loans | 0.0% |
| UBS Bank USA | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Northwest Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| MEGASTAR FINANCIAL CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Park State Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Savings Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GO MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| New Market Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Empeople Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SmartFi Home Loans, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Filo Mortgage, L.L.C. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL PACIFIC FUNDING CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Community Resource Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Sentry Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Liberty Bank Minnesota | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Servion, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Waterstone Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CBRE MULTIFAMILY CAPITAL, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Hiawatha National Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NEW WAVE LENDING GROUP INC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Bank Elk River | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BELLWETHER ENTERPRISE REAL ESTATE CAPITAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| COMPASS MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTHPOINT FINANCIAL | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 1 | Under 10 loans | Under 10 loans | 90.9% |
| SHAREPOINT CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 80.0% |
| Luminate Home Loans, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Goldman Sachs Bank USA | 1 | Under 10 loans | Under 10 loans | 66.7% |
| SayGO Home Loans, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| LOANFLIGHT LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Home Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| EMM LOANS LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Bison State Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Gate City Bank | 1 | Under 10 loans | Under 10 loans | 66.7% |
| GoodLeap, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 131 lenders each made 1 or fewer mortgages here, and are counted in the totals above.
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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.