Home purchase lenders in Olmsted County
2,108 home purchase mortgages were made in Olmsted County, Minnesota, in 2025, by 224 lenders. The median rate their borrowers got was 6.499% on a median loan of $285,000. Of 2,316 decisions, 166 were denials — 7.2%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 252 | 6.499% | $285,000 | 5.3% |
| Think Mutual Bank | 171 | 6.500% | $375,000 | 3.4% |
| Bell Bank | 113 | 6.375% | $265,000 | 2.6% |
| U.S. Bank National Association | 87 | 6.500% | $255,000 | 10.1% |
| Merchants Bank, National Association | 75 | 6.150% | $325,000 | 3.8% |
| ALTRA Federal Credit Union | 68 | 6.513% | $270,000 | 1.4% |
| Fairway Independent Mortgage Corporation | 67 | 6.625% | $245,000 | 0.0% |
| GUARANTEED RATE, INC. | 66 | 6.625% | $275,000 | 1.5% |
| Alerus Financial, National Association | 66 | 6.495% | $295,000 | 5.6% |
| Prosperity Home Mortgage, LLC | 64 | 6.625% | $295,000 | 0.0% |
| Servion, Inc. | 56 | 6.125% | $305,000 | 1.8% |
| GUARANTEED RATE AFFINITY, LLC | 51 | 6.550% | $255,000 | 3.8% |
| Foresight Bank | 40 | Not published | $275,000 | 4.4% |
| First Alliance Credit Union | 39 | 7.250% | $115,000 | 21.2% |
| Loandepot.Com, LLC | 37 | 6.875% | $255,000 | 0.0% |
| First Federal Bank | 37 | 6.375% | $285,000 | 2.6% |
| Old National Bank | 36 | 6.375% | $285,000 | 2.7% |
| Frandsen Bank & Trust | 35 | 7.125% | $215,000 | 0.0% |
| Rocket Mortgage, LLC | 32 | 6.433% | $230,000 | 15.8% |
| MAYO EMPLOYEES FEDERAL CREDIT UNION | 32 | 6.322% | $400,000 | 0.0% |
| PENNYMAC LOAN SERVICES, LLC | 28 | 6.187% | $335,000 | 6.7% |
| Eagle Rock Bank | 24 | Not published | $275,000 | 0.0% |
| Mortgage Research Center, LLC | 23 | 6.250% | $315,000 | 4.2% |
| CROSSCOUNTRY MORTGAGE, INC. | 21 | 6.625% | $205,000 | 0.0% |
| Granite Bank | 21 | 6.750% | $265,000 | 0.0% |
| F & M Community Bank, National Association | 20 | Not published | $230,000 | 0.0% |
| Peoples State Bank of Plainview | 19 | Not published | $275,000 | 0.0% |
| Bremer Bank, National Association | 18 | 6.625% | $290,000 | 10.0% |
| Associated Bank, National Association | 18 | 6.313% | $295,000 | 10.0% |
| The Huntington National Bank | 17 | 6.125% | $355,000 | 0.0% |
| Barrington Bank & Trust Company, National Association | 17 | 6.750% | $245,000 | 0.0% |
| Wells Fargo Bank, National Association | 15 | 6.250% | $235,000 | 11.8% |
| LENNAR MORTGAGE, LLC | 15 | 5.875% | $465,000 | 6.3% |
| First Security Bank | 15 | Not published | $285,000 | 0.0% |
| AFFINITY PLUS | 14 | 6.188% | $250,000 | 0.0% |
| Premier Bank Minnesota | 14 | Not published | $255,000 | 0.0% |
| Navy Federal Credit Union | 12 | 6.000% | $290,000 | 20.0% |
| Sterling State Bank | 12 | Not published | $280,000 | 0.0% |
| MANUFACTURERS BANK & TRUST COMPANY | 12 | Not published | $250,000 | 0.0% |
| GUIDANCE RESIDENTIAL, LLC | 10 | 6.938% | $335,000 | 9.1% |
| Broker Solutions, Inc. | 10 | 6.625% | $305,000 | 0.0% |
| Citizens Bank, National Association | 10 | 6.058% | $300,000 | 0.0% |
| Coulee Bank | 9 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 9 | Under 10 loans | Under 10 loans | 10.0% |
| Wings Financial Credit Union | 8 | Under 10 loans | Under 10 loans | 0.0% |
| THE LOAN STORE, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 7 | Under 10 loans | Under 10 loans | 22.2% |
| Minnwest Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| COMPEER FINANCIAL, FLCA | 6 | Under 10 loans | Under 10 loans | 27.3% |
| JPMorgan Chase Bank, National Association | 6 | Under 10 loans | Under 10 loans | 33.3% |
| NEWREZ LLC | 6 | Under 10 loans | Under 10 loans | 33.3% |
| Tradition Mortgage, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| CMG MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| BAY EQUITY LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 37.5% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 5 | Under 10 loans | Under 10 loans | 28.6% |
| Royal Credit Union | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Genisys Credit Union | 5 | Under 10 loans | Under 10 loans | 16.7% |
| PREMIER LENDING, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Park State Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| MARINE CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Plains Commerce Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Cambria Financial Group, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of America, National Association | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Nations Lending Corporation | 4 | Under 10 loans | Under 10 loans | 0.0% |
| KEYSTONE FUNDING, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Premia Mortgage, LLC DBA Premia Relocation Mortgage | 4 | Under 10 loans | Under 10 loans | 0.0% |
| 21st Mortgage Corporation | 3 | Under 10 loans | Under 10 loans | 80.0% |
| ZILLOW HOME LOANS, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| TRUSTONE FINANCIAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| NexBank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Blaze Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Midwest Heritage Bank, FSB | 3 | Under 10 loans | Under 10 loans | 0.0% |
| HomeTown Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Home Mortgage Alliance Corporation (HMAC) | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens State Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Alliance Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 3 | Under 10 loans | Under 10 loans | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | 2 | Under 10 loans | Under 10 loans | 67.7% |
| RESICENTRAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| KIND LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| SUCCESS MORTGAGE PARTNERS, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| GREENSTATE Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TruHome Solutions, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SWBC MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| VERIDIAN CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CUSB Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First International Bank & Trust | 2 | Under 10 loans | Under 10 loans | 0.0% |
| National Exchange Bank and Trust | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens State Bank of La Crosse | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GUILD MORTGAGE COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Waterstone Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Heritage Bank National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONSTAR MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| UNION HOME MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 2 | Under 10 loans | Under 10 loans | 0.0% |
| West Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Tomo Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| HSBC BANK USA, NATIONAL ASSOCIATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| New Market Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Independence Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RBC Bank, (Georgia) National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| JMAC LENDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UIF CORPORATION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| MAGNIFI FINANCIAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Baxter Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| KEY MORTGAGE SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EVERETT FINANCIAL, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| PNC Bank, National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| First National Bank of Omaha | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Capitol Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank Minnesota | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citadel Servicing Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Resource Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 254900J9CE43FKIA7D19 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Bank Minnesota | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SECURITY STATE BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NORTHEAST SECURITY BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| WESTCONSIN Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Pioneer Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TOWN AND COUNTRY Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LEADERONE FINANCIAL CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Summit Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| COMMUNITYAMERICA CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGEONE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Click n' Close, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Home Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BANKWEST | 1 | Under 10 loans | Under 10 loans | 0.0% |
| American Airlines Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Community Resource Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Simple, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Home Loans, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MLD MORTGAGE INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ST. CLOUD FINANCIAL | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First State Bank and Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MOVEMENT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| IOWA BANKERS MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FOX COMMUNITIES Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BankVista | 1 | Under 10 loans | Under 10 loans | 0.0% |
| State Bank Financial | 1 | Under 10 loans | Under 10 loans | 0.0% |
| United Nations Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CLEAREDGE LENDING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ADVANCIAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AIM Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Bank & Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| OCMBC, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Bank of Elk River | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CONSUMER REAL ESTATE FINANCE CO. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| IDEAL Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Northwest Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Interstate Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LOWER, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Orchard Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bison State Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NBH Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Ixonia Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| North Shore Bank of Commerce | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DUPACO COMMUNITY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SECURITYNATIONAL MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DELTA COMMUNITY CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AmeriSave Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Mount Vernon Bank and Trust Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Florida Capital Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| City National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CITY-COUNTY CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CHAMPIONS FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Arvest Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citibank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BANKWEST, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Bridgewater Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| BMO Bank National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| PENTAGON FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Great Southern Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| COVANTAGE CREDIT UNION | 0 | Under 10 loans | Under 10 loans | Not published |
| University of Wisconsin Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| Falcon National Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| MICHIGAN STATE UNIVERSITY Federal Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| MERCHANTS CAPITAL CORP. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| LENDINGONE, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Luana Savings Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| AMWEST FUNDING CORP. | 0 | Under 10 loans | Under 10 loans | 100.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 24 lenders each made 0 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.