Mortgage lenders in Rice County
1,295 mortgages were made in Rice County, Minnesota, in 2025, by 211 lenders. The median rate their borrowers got was 6.625% on a median loan of $215,000. Of 1,571 decisions, 219 were denials — 13.9%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| AFFINITY PLUS | 89 | 6.490% | $65,000 | 14.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 77 | 6.375% | $275,000 | 16.5% |
| GUARANTEED RATE, INC. | 68 | 6.563% | $215,000 | 6.8% |
| Rocket Mortgage, LLC | 67 | 6.625% | $205,000 | 18.6% |
| CROSSCOUNTRY MORTGAGE, INC. | 65 | 6.625% | $245,000 | 4.4% |
| Merchants Bank, National Association | 53 | 6.525% | $205,000 | 10.2% |
| The State Bank of Faribault | 49 | Not published | $235,000 | 2.0% |
| Bell Bank | 43 | 6.625% | $225,000 | 4.4% |
| TRUSTONE FINANCIAL CREDIT UNION | 41 | 7.250% | $75,000 | 26.3% |
| Wings Financial Credit Union | 38 | 7.000% | $155,000 | 8.0% |
| Frandsen Bank & Trust | 37 | 6.750% | $155,000 | 11.9% |
| Wells Fargo Bank, National Association | 34 | 6.375% | $230,000 | 10.5% |
| Prosperity Home Mortgage, LLC | 27 | 6.500% | $265,000 | 6.9% |
| U.S. Bank National Association | 26 | 6.875% | $240,000 | 38.1% |
| Fairway Independent Mortgage Corporation | 23 | 6.625% | $315,000 | 0.0% |
| Loandepot.Com, LLC | 22 | 6.938% | $125,000 | 24.1% |
| Community Resource Bank | 22 | Not published | $225,000 | 8.0% |
| PENNYMAC LOAN SERVICES, LLC | 17 | 5.990% | $315,000 | 0.0% |
| COMPEER FINANCIAL, FLCA | 17 | 6.750% | $335,000 | 5.3% |
| NATIONSTAR MORTGAGE LLC | 17 | 7.125% | $195,000 | 19.1% |
| Heritage Bank Minnesota | 17 | Not published | $255,000 | 0.0% |
| Luminate Bank | 16 | 6.438% | $400,000 | 0.0% |
| Minnwest Bank | 13 | 6.625% | $185,000 | 6.7% |
| Mortgage Research Center, LLC | 12 | 6.500% | $345,000 | 20.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 12 | 6.250% | $300,000 | 13.3% |
| MOVEMENT MORTGAGE, LLC | 12 | 6.563% | $210,000 | 0.0% |
| Old National Bank | 10 | 6.370% | $150,000 | 9.1% |
| PLAZA HOME MORTGAGE, INC. | 10 | 6.813% | $255,000 | 16.7% |
| Royal Credit Union | 10 | 6.375% | $120,000 | 0.0% |
| Granite Bank | 10 | 6.688% | $330,000 | 9.1% |
| NEWREZ LLC | 9 | Under 10 loans | Under 10 loans | 9.1% |
| CMG MORTGAGE, INC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| The Huntington National Bank | 9 | Under 10 loans | Under 10 loans | 18.2% |
| SPRING EQ, LLC | 8 | Under 10 loans | Under 10 loans | 52.9% |
| Navy Federal Credit Union | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Broker Solutions, Inc. | 7 | Under 10 loans | Under 10 loans | 12.5% |
| FIGURE LENDING LLC | 7 | Under 10 loans | Under 10 loans | 18.8% |
| SOFI BANK, NATIONAL ASSOCIATION | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Blaze Credit Union | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Alerus Financial, National Association | 6 | Under 10 loans | Under 10 loans | 0.0% |
| FREEDOM MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 36.4% |
| Coastal Community Bank | 5 | Under 10 loans | Under 10 loans | 6.7% |
| ZILLOW HOME LOANS, LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| EVERETT FINANCIAL, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| New Market Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Think Mutual Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Summit Mortgage Corporation | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Tradition Mortgage, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Deerwood Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | 4 | Under 10 loans | Under 10 loans | 53.8% |
| 21st Mortgage Corporation | 4 | Under 10 loans | Under 10 loans | 66.7% |
| Discover Bank | 4 | Under 10 loans | Under 10 loans | 50.0% |
| AmeriSave Mortgage Corporation | 4 | Under 10 loans | Under 10 loans | 60.0% |
| PLANET HOME LENDING, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Paramount Residential Mortgage Group, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Lakeview Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LOWER, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 3 | Under 10 loans | Under 10 loans | 50.0% |
| Plains Commerce Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Castle Rock Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| HomeTown Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| The First National Bank of Le Center | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Cambria Financial Group, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Home Loans, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Servion, Inc. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| JPMorgan Chase Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| 254900M2C4Q6DATP2889 | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PREMIER LENDING, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| IDEAL Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Baxter Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| TOPLINE FINANCIAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GUILD MORTGAGE COMPANY | 2 | Under 10 loans | Under 10 loans | 33.3% |
| The Federal Savings Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| VERIDIAN CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| NBKC BANK | 2 | Under 10 loans | Under 10 loans | 33.3% |
| First Alliance Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Bremer Bank, National Association | 2 | Under 10 loans | Under 10 loans | 33.3% |
| SHAREPOINT CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| First Bank & Trust | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MAYO EMPLOYEES FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| UNION HOME MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BoxCar Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Home Mortgage Alliance Corporation (HMAC) | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Heartland Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ALTRA Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BAY EQUITY LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MASON MCDUFFIE MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CITY-COUNTY CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of America, National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| BETTER MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 75.0% |
| MILEND, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PNC Bank, National Association | 1 | Under 10 loans | Under 10 loans | 33.3% |
| Associated Bank, National Association | 1 | Under 10 loans | Under 10 loans | 66.7% |
| A&D Mortgage LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| University of Wisconsin Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| THE LOAN STORE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone State Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| SWBC MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| IOWA BANKERS MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| OCMBC, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| LONGBRIDGE FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| KIND LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| MISSION LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GoodLeap, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Bank, National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| CorTrust Bank National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CORTRUST MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EMBRACE HOME LOANS, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Synergy One Lending, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 2549004XDCE3LGQW7H72 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citadel Servicing Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Minnstar Bank National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 254900J2RKTTDJSUWD76 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Bank Minnesota | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Summit Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Prevail Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Border Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Ardent Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Pioneer Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALAMEDA MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RESICENTRAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Simple, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Premier Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Third Federal Savings and Loan Association of Cleveland | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Sauk Valley Bank & Trust Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Lake Elmo Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Choice Financial Group | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CENTRICITY Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bank First, N.A. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bridgewater Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UBS Bank USA | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CLEAREDGE LENDING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Sunrise Banks, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NASA Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bethpage Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Home Loan Investment Bank, F.S.B. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Dollar Bank, Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GoPrime Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LoanUnited.com, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Pinnacle Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BELLWETHER ENTERPRISE REAL ESTATE CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Dakota National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Ixonia Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Gate City Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| IncredibleBank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Cedar Valley Bank & Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DUPACO COMMUNITY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RELIANCE FIRST CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Premier Bank Minnesota | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Security Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CHAMPIONS FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bank-Fund Staff Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Truist Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PHH Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Manufacturers and Traders Trust Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Coulee Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| NEW DAY FINANCIAL, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| GO MORTGAGE, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Connexus Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Expedition Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| SOUTH RIVER MORTGAGE, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| BMO Bank National Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 0 | Under 10 loans | Under 10 loans | Not published |
| First Central State Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERICAN FINANCING CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Citizens State Bank | 0 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| Premia Mortgage, LLC DBA Premia Relocation Mortgage | 0 | Under 10 loans | Under 10 loans | Not published |
| Equity Prime Mortgage LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 0 | Under 10 loans | Under 10 loans | 100.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| INTELLILOAN, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| Genisys Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| FINANCE OF AMERICA REVERSE LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Signature Federal Credit Union | 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. Another 11 lenders each made 0 or fewer mortgages here, and are counted in the totals above.
Bank branches in Rice County
17 FDIC-insured branches from 10 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| Wells Fargo Bank, National Association | 2 | $363.6 million |
| Community Resource Bank | 2 | $339.3 million |
| The State Bank of Faribault | 2 | $281.9 million |
| Merchants Bank, National Association | 2 | $217.6 million |
| Frandsen Bank & Trust | 2 | $169.2 million |
| Premier Bank Minnesota | 2 | $45.0 million |
| Lake Country Community Bank | 2 | $28.2 million |
| Reliance Bank | 1 | $281.6 million |
| Heritage Bank Minnesota | 1 | $31.6 million |
| The First National Bank of Le Center | 1 | $12.0 million |
Closed since the 2025 survey
1 branch in the 2025 survey has no 2026 row: closed, sold, or moved.
- Community Resource Bank, 618 Division St S, Northfield
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When the next year’s lending figures are out for Rice County, or a lender arrives or leaves.
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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. Branches and deposits come from the FDIC Summary of Deposits as of 30 June 2026, and bank balance sheets from the FDIC institutions directory. 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.