Mortgage lenders in St. Louis County
4,132 mortgages were made in St. Louis County, Minnesota, in 2025, by 327 lenders. The median rate their borrowers got was 6.750% on a median loan of $165,000. Of 5,132 decisions, 797 were denials — 15.5%, most often for credit history.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| North Shore Bank of Commerce | 371 | 6.625% | $245,000 | 3.7% |
| U.S. Bank National Association | 227 | 7.375% | $125,000 | 31.0% |
| Rocket Mortgage, LLC | 207 | 6.500% | $175,000 | 21.1% |
| CENTRICITY Credit Union | 198 | 6.740% | $85,000 | 4.2% |
| Fairway Independent Mortgage Corporation | 195 | 6.875% | $135,000 | 3.9% |
| Members Cooperative Credit Union | 172 | 7.500% | $95,000 | 16.7% |
| Frandsen Bank & Trust | 155 | 6.750% | $145,000 | 6.0% |
| Bell Bank | 150 | 6.750% | $245,000 | 6.8% |
| AFFINITY PLUS | 143 | 6.490% | $65,000 | 20.2% |
| National Bank of Commerce | 117 | 6.875% | $205,000 | 5.7% |
| Summit Mortgage Corporation | 92 | 6.625% | $165,000 | 4.2% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 91 | 6.125% | $225,000 | 18.3% |
| Park State Bank | 86 | 6.863% | $165,000 | 12.1% |
| REGENT FINANCIAL GROUP, INC. | 86 | 6.500% | $240,000 | 0.0% |
| North Shore Federal Credit Union | 79 | 6.250% | $205,000 | 15.0% |
| Servion, Inc. | 75 | 6.500% | $175,000 | 3.9% |
| Harbor Pointe Credit Union | 71 | Not published | $125,000 | 0.0% |
| Mortgage Research Center, LLC | 59 | 6.250% | $265,000 | 30.2% |
| The First National Bank of Gilbert | 47 | Not published | $175,000 | 0.0% |
| Granite Bank | 45 | 6.875% | $125,000 | 4.3% |
| Broker Solutions, Inc. | 43 | 6.750% | $195,000 | 12.2% |
| Wells Fargo Bank, National Association | 42 | 6.375% | $180,000 | 21.4% |
| Superior Choice Credit Union | 41 | 6.000% | $135,000 | 14.3% |
| NORTH STAR CREDIT UNION | 39 | Not published | $85,000 | 4.8% |
| Northview Bank | 38 | Not published | $190,000 | 15.6% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 35 | 6.875% | $175,000 | 10.3% |
| EVERETT FINANCIAL, INC. | 34 | 6.625% | $250,000 | 0.0% |
| The Miners National Bank of Eveleth | 33 | Not published | $185,000 | 24.4% |
| Blaze Credit Union | 31 | 6.500% | $115,000 | 2.9% |
| NORTHWOODS | 31 | 7.500% | $65,000 | 12.2% |
| TRUSTONE FINANCIAL CREDIT UNION | 29 | 7.240% | $105,000 | 18.9% |
| Ely Area Credit Union | 29 | Not published | $45,000 | 8.6% |
| LOWER, LLC | 28 | 6.438% | $110,000 | 3.5% |
| NATIONSTAR MORTGAGE LLC | 27 | 6.990% | $185,000 | 10.0% |
| Wings Financial Credit Union | 27 | 6.750% | $145,000 | 11.4% |
| NEWREZ LLC | 25 | 7.375% | $195,000 | 39.0% |
| Loandepot.Com, LLC | 25 | 6.500% | $115,000 | 43.5% |
| CROSSCOUNTRY MORTGAGE, INC. | 25 | 6.625% | $205,000 | 10.0% |
| COMPEER FINANCIAL, FLCA | 25 | 7.000% | $205,000 | 3.5% |
| PENNYMAC LOAN SERVICES, LLC | 23 | 6.250% | $295,000 | 28.6% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 23 | 6.750% | $185,000 | 0.0% |
| FREEDOM MORTGAGE CORPORATION | 22 | 6.250% | $200,000 | 15.6% |
| 254900J9CE43FKIA7D19 | 20 | 6.563% | $190,000 | 0.0% |
| FIGURE LENDING LLC | 19 | 8.300% | $55,000 | 31.6% |
| Prosperity Home Mortgage, LLC | 19 | 6.875% | $225,000 | 0.0% |
| Navy Federal Credit Union | 18 | 6.313% | $265,000 | 18.2% |
| UNION HOME MORTGAGE CORP. | 18 | 6.250% | $170,000 | 13.6% |
| GUARANTEED RATE, INC. | 16 | 6.625% | $270,000 | 0.0% |
| Two Harbors Federal Credit Union | 15 | 5.990% | $65,000 | 0.0% |
| JPMorgan Chase Bank, National Association | 14 | 6.688% | $230,000 | 0.0% |
| ALAMEDA MORTGAGE CORPORATION | 14 | 6.813% | $145,000 | 0.0% |
| Coastal Community Bank | 13 | 12.740% | $45,000 | 0.0% |
| Royal Credit Union | 13 | 6.750% | $105,000 | 18.8% |
| GUILD MORTGAGE COMPANY | 13 | 6.375% | $225,000 | 6.7% |
| Bank of America, National Association | 12 | 6.240% | $115,000 | 42.9% |
| USAA Federal Savings Bank | 12 | 6.500% | $160,000 | 25.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 12 | 6.250% | $235,000 | 18.8% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 12 | 6.933% | $140,000 | 7.7% |
| SOFI BANK, NATIONAL ASSOCIATION | 11 | 6.990% | $135,000 | 21.4% |
| The Huntington National Bank | 11 | 7.750% | $155,000 | 40.0% |
| PLAZA HOME MORTGAGE, INC. | 11 | 6.625% | $245,000 | 33.3% |
| Northern State Bank | 11 | Not published | $65,000 | 8.3% |
| Superior Savings Bank | 11 | Not published | $205,000 | 0.0% |
| Synergy One Lending, Inc. | 10 | 6.500% | $235,000 | 0.0% |
| Luminate Bank | 10 | 6.813% | $315,000 | 0.0% |
| 21st Mortgage Corporation | 9 | Under 10 loans | Under 10 loans | 73.0% |
| AmeriSave Mortgage Corporation | 9 | Under 10 loans | Under 10 loans | 70.0% |
| BETTER MORTGAGE CORPORATION | 9 | Under 10 loans | Under 10 loans | 40.0% |
| Old National Bank | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 9 | Under 10 loans | Under 10 loans | 0.0% |
| NEW DAY FINANCIAL, LLC | 8 | Under 10 loans | Under 10 loans | 42.1% |
| SPRING EQ, LLC | 8 | Under 10 loans | Under 10 loans | 75.0% |
| Baxter Credit Union | 8 | Under 10 loans | Under 10 loans | 14.3% |
| Deerwood Bank | 8 | Under 10 loans | Under 10 loans | 11.1% |
| TRIAD FINANCIAL SERVICES, INC. | 7 | Under 10 loans | Under 10 loans | 44.4% |
| Discover Bank | 7 | Under 10 loans | Under 10 loans | 69.6% |
| CARRINGTON MORTGAGE SERVICES, LLC | 7 | Under 10 loans | Under 10 loans | 50.0% |
| ENVOY MORTGAGE, LTD | 7 | Under 10 loans | Under 10 loans | 22.2% |
| Paramount Residential Mortgage Group, Inc. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Tradition Mortgage, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 6 | Under 10 loans | Under 10 loans | 11.1% |
| Click n' Close, Inc. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Highland Bank | 6 | Under 10 loans | Under 10 loans | 22.2% |
| Alerus Financial, National Association | 6 | Under 10 loans | Under 10 loans | 0.0% |
| BANKWEST, INC. | 5 | Under 10 loans | Under 10 loans | 61.5% |
| Flagstar Bank, N.A. | 5 | Under 10 loans | Under 10 loans | 33.3% |
| MASON MCDUFFIE MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Bank, National Association | 5 | Under 10 loans | Under 10 loans | 0.0% |
| ZILLOW HOME LOANS, LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Merchants Bank, National Association | 5 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL UNITED MORTGAGE LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 4 | Under 10 loans | Under 10 loans | 45.5% |
| Equity Prime Mortgage LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 42.9% |
| KIND LENDING, LLC | 4 | Under 10 loans | Under 10 loans | 60.0% |
| Associated Bank, National Association | 4 | Under 10 loans | Under 10 loans | 50.0% |
| Plains Commerce Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| RESICENTRAL, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CMG MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MAGNIFI FINANCIAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 16.7% |
| HOMEXPRESS MORTGAGE CORP. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| CITY-COUNTY CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MEGASTAR FINANCIAL CORP. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| BMO Bank National Association | 3 | Under 10 loans | Under 10 loans | 66.7% |
| PNC Bank, National Association | 3 | Under 10 loans | Under 10 loans | 33.3% |
| THE LOAN STORE, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 3 | Under 10 loans | Under 10 loans | 25.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 3 | Under 10 loans | Under 10 loans | 20.0% |
| University of Wisconsin Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 20.0% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| IDEAL Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BPL MORTGAGE TRUST, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| First Federal Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Sherburne State Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| JONES LANG LASALLE MULTIFAMILY, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| THRIVENT Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| 254900M2C4Q6DATP2889 | 2 | Under 10 loans | Under 10 loans | 33.3% |
| VILLAGE CAPITAL & INVESTMENT LLC | 2 | Under 10 loans | Under 10 loans | 42.9% |
| Tomo Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| PHH Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NBKC BANK | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens State Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TOP FLITE FINANCIAL, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| GoodLeap, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| AMERIHOME MORTGAGE COMPANY, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Kiavi Funding, Inc. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| The First National Bank of Moose Lake | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Ixonia Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Sunflower Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Think Mutual Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Security Bank & Trust Company | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Woodlands National Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Primis Mortgage Company | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Western Bank & Trust | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Armed Forces Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SWBC MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE ACCESS CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Waterstone Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Bank & Trust | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FARMERS INSURANCE GROUP FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NFM, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CONSUMER REAL ESTATE FINANCE CO. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Magnolia Bank, Incorporated | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BoxCar Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Bravera Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MINNCO CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Fifth Third Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Raymond James Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 1 | Under 10 loans | Under 10 loans | 77.8% |
| VERIDIAN CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Connexus Credit Union | 1 | Under 10 loans | Under 10 loans | 33.3% |
| Filo Mortgage, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Genisys Credit Union | 1 | Under 10 loans | Under 10 loans | 66.7% |
| TOPLINE FINANCIAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SayGO Home Loans, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Platinum Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Summit Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| General Mortgage Capital Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Midwest Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| WESTCONSIN Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone State Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| IOWA BANKERS MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers Bank & Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GARDNER FINANCIAL SERVICES, LTD. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Central Trust Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| 984500FAD1FB7FEGTE82 | 1 | Under 10 loans | Under 10 loans | 50.0% |
| CorTrust Bank National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EMBRACE HOME LOANS, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone First Mortgage, Inc | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Logan Finance Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| KODABANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Dairy State Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| WNB FINANCIAL, N.A. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| COVANTAGE CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RPE Home, Inc | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Expedition Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LIMA ONE CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Resource Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AAA CAPITAL INVESTMENT, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HomeTown Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First State Bank Southwest | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Falcon National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VisionBank | 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 127 lenders each made 1 or fewer mortgages here, and are counted in the totals above.
Bank branches in St. Louis County
61 FDIC-insured branches from 19 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| Park State Bank | 12 | $787.1 million |
| Wells Fargo Bank, National Association | 7 | $1.1 billion |
| U.S. Bank National Association | 7 | $998.3 million |
| North Shore Bank of Commerce | 7 | $516.5 million |
| Frandsen Bank & Trust | 5 | $269.8 million |
| National Bank of Commerce | 4 | $477.2 million |
| Western National Bank | 3 | $108.8 million |
| Bell Bank | 2 | $215.7 million |
| Northern State Bank of Virginia | 2 | $91.2 million |
| The First National Bank of Gilbert | 2 | $76.0 million |
| B2 Bank National Association | 2 | $31.2 million |
| Security State Bank of Hibbing | 1 | $129.9 million |
| The Miners National Bank of Eveleth | 1 | $84.4 million |
| The Huntington National Bank | 1 | $54.5 million |
| Highland Bank | 1 | $44.7 million |
| Old National Bank | 1 | $32.0 million |
| The First National Bank of Proctor | 1 | $31.1 million |
| Northview Bank | 1 | $24.3 million |
| Northern State Bank | 1 | $23.1 million |
Closed since the 2025 survey
5 branches in the 2025 survey have no 2026 row: closed, sold, or moved.
- First National Bank, 101 W Lake St, Chisholm
- First National Bank, 301 1st St Nw, Chisholm
- First National Bank, 32 S River St, Cook
- U.S. Bank National Association, 31 Central Blvd, Babbitt
- Wells Fargo Bank, National Association, 230 W Superior St, Duluth
Get told when this changes
When the next year’s lending figures are out for St. Louis 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.