Home purchase lenders in St. Louis County
2,288 home purchase mortgages were made in St. Louis County, Minnesota, in 2025, by 245 lenders. The median rate their borrowers got was 6.625% on a median loan of $205,000. Of 2,563 decisions, 197 were denials — 7.7%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| North Shore Bank of Commerce | 315 | 6.625% | $265,000 | 0.9% |
| Fairway Independent Mortgage Corporation | 177 | 6.875% | $135,000 | 2.7% |
| Bell Bank | 96 | 6.750% | $250,000 | 1.0% |
| U.S. Bank National Association | 94 | 6.750% | $205,000 | 11.0% |
| Frandsen Bank & Trust | 91 | 6.625% | $205,000 | 0.0% |
| Summit Mortgage Corporation | 89 | 6.625% | $165,000 | 2.2% |
| REGENT FINANCIAL GROUP, INC. | 82 | 6.500% | $240,000 | 0.0% |
| Members Cooperative Credit Union | 61 | 6.840% | $195,000 | 10.0% |
| Servion, Inc. | 55 | 6.500% | $175,000 | 1.8% |
| North Shore Federal Credit Union | 52 | 6.250% | $275,000 | 16.1% |
| National Bank of Commerce | 51 | 6.500% | $245,000 | 1.9% |
| Park State Bank | 50 | 6.563% | $215,000 | 10.7% |
| Rocket Mortgage, LLC | 49 | 6.625% | $215,000 | 9.1% |
| Mortgage Research Center, LLC | 46 | 6.500% | $265,000 | 9.6% |
| Granite Bank | 44 | 6.875% | $125,000 | 2.2% |
| Broker Solutions, Inc. | 34 | 6.875% | $200,000 | 8.1% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 33 | 6.625% | $215,000 | 10.8% |
| Northview Bank | 32 | Not published | $220,000 | 13.5% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 30 | 6.990% | $175,000 | 3.2% |
| EVERETT FINANCIAL, INC. | 29 | 6.625% | $255,000 | 0.0% |
| The First National Bank of Gilbert | 29 | Not published | $205,000 | 0.0% |
| CENTRICITY Credit Union | 28 | 6.750% | $150,000 | 0.0% |
| LOWER, LLC | 27 | 6.375% | $115,000 | 0.0% |
| The Miners National Bank of Eveleth | 26 | Not published | $190,000 | 25.0% |
| Wells Fargo Bank, National Association | 25 | 6.500% | $255,000 | 22.9% |
| Harbor Pointe Credit Union | 25 | Not published | $175,000 | 0.0% |
| AFFINITY PLUS | 24 | 6.375% | $240,000 | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 20 | 6.688% | $200,000 | 0.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 15 | 6.625% | $215,000 | 11.1% |
| Prosperity Home Mortgage, LLC | 15 | 7.000% | $225,000 | 0.0% |
| COMPEER FINANCIAL, FLCA | 15 | 6.750% | $295,000 | 5.6% |
| Superior Choice Credit Union | 14 | 5.813% | $200,000 | 11.8% |
| ALAMEDA MORTGAGE CORPORATION | 14 | 6.813% | $145,000 | 0.0% |
| Navy Federal Credit Union | 13 | 6.000% | $285,000 | 0.0% |
| UNION HOME MORTGAGE CORP. | 13 | 6.375% | $185,000 | 0.0% |
| NORTH STAR CREDIT UNION | 12 | Not published | $165,000 | 7.7% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 12 | 6.933% | $140,000 | 7.7% |
| JPMorgan Chase Bank, National Association | 12 | 6.625% | $270,000 | 0.0% |
| GUILD MORTGAGE COMPANY | 12 | 6.438% | $215,000 | 7.1% |
| 254900J9CE43FKIA7D19 | 12 | 6.813% | $170,000 | 0.0% |
| GUARANTEED RATE, INC. | 11 | 6.750% | $275,000 | 0.0% |
| USAA Federal Savings Bank | 10 | 6.500% | $160,000 | 16.7% |
| NEWREZ LLC | 10 | 7.058% | $260,000 | 16.7% |
| Wings Financial Credit Union | 10 | 6.250% | $365,000 | 0.0% |
| 21st Mortgage Corporation | 9 | Under 10 loans | Under 10 loans | 72.2% |
| Luminate Bank | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Synergy One Lending, Inc. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Blaze Credit Union | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Royal Credit Union | 8 | Under 10 loans | Under 10 loans | 11.1% |
| TRUSTONE FINANCIAL CREDIT UNION | 8 | Under 10 loans | Under 10 loans | 11.1% |
| TRIAD FINANCIAL SERVICES, INC. | 7 | Under 10 loans | Under 10 loans | 44.4% |
| ENVOY MORTGAGE, LTD | 7 | Under 10 loans | Under 10 loans | 22.2% |
| PLAZA HOME MORTGAGE, INC. | 7 | Under 10 loans | Under 10 loans | 27.3% |
| PENNYMAC LOAN SERVICES, LLC | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Paramount Residential Mortgage Group, Inc. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Click n' Close, Inc. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONSTAR MORTGAGE LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Tradition Mortgage, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Superior Savings Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Ely Area Credit Union | 5 | Under 10 loans | Under 10 loans | 12.5% |
| Alerus Financial, National Association | 5 | Under 10 loans | Under 10 loans | 0.0% |
| The Huntington National Bank | 5 | Under 10 loans | Under 10 loans | 16.7% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 5 | Under 10 loans | Under 10 loans | 0.0% |
| ZILLOW HOME LOANS, LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| MASON MCDUFFIE MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Deerwood Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| BANKWEST, INC. | 4 | Under 10 loans | Under 10 loans | 66.7% |
| RESICENTRAL, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NORTHWOODS | 4 | Under 10 loans | Under 10 loans | 16.7% |
| CMG MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MEGASTAR FINANCIAL CORP. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of America, National Association | 3 | Under 10 loans | Under 10 loans | 40.0% |
| 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% |
| Plains Commerce Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Northern State Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| BPL MORTGAGE TRUST, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| FREEDOM MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Highland Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CITY-COUNTY CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Associated Bank, National Association | 3 | Under 10 loans | Under 10 loans | 25.0% |
| GUARANTEED RATE AFFINITY, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Sherburne State Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Tomo Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| PENTAGON FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| NBKC BANK | 2 | Under 10 loans | Under 10 loans | 0.0% |
| KIND LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Old National Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens State Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| 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% |
| Two Harbors Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Security Bank & Trust Company | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Western Bank & Trust | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Kiavi Funding, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Armed Forces Bank, National Association | 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% |
| Morgan Stanley Private Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MAGNIFI FINANCIAL 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% |
| Merchants Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CONSUMER REAL ESTATE FINANCE CO. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BoxCar Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| THRIVENT Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AmeriSave Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PNC Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 1 | Under 10 loans | Under 10 loans | 66.7% |
| THE LOAN STORE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Baxter 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% |
| Loandepot.Com, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| 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% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GARDNER FINANCIAL SERVICES, LTD. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The First National Bank of Moose Lake | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| 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% |
| Think Mutual Bank | 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% |
| Platinum 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% |
| Filo Mortgage, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VisionBank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Border Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BMO Bank National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SFMC, LP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTHWEST STAGE FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Coulee Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| STAR USA FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Peoples Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Independent Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Primis Mortgage Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Simple, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MARINE CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bremer Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Cambria Financial Group, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Atlantic Coast Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Home Loans, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First State Bank and Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NORTHMARQ CAPITAL FINANCE, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Lake Elmo Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MOVEMENT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bridgewater Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| American Heritage National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Waterstone Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| INB, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Bank & Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Premia Mortgage, LLC DBA Premia Relocation Mortgage | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Luana Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| JONES LANG LASALLE MULTIFAMILY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Community First National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Fidelity Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MidWestOne Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 21st Century Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Western Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| V.I.P. MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BAY EQUITY LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| IDEAL Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Magnolia Bank, Incorporated | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NEW DAY FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Dakota National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Gate City Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PURDUE | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bravera Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Foresight Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| COCA-COLA Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GREENSTATE Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Waterman State Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MINNCO CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TOGETHER CREDIT UNION | 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% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 45 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.