Mortgage lenders in Todd County
461 mortgages were made in Todd County, Minnesota, in 2025, by 128 lenders. The median rate their borrowers got was 6.625% on a median loan of $155,000. Of 580 decisions, 102 were denials — 17.6%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| MAGNIFI FINANCIAL CREDIT UNION | 98 | 6.125% | $105,000 | 13.3% |
| Rocket Mortgage, LLC | 27 | 6.625% | $195,000 | 30.8% |
| Fairway Independent Mortgage Corporation | 23 | 6.933% | $165,000 | 0.0% |
| Star Bank | 19 | Not published | $115,000 | 0.0% |
| Granite Bank | 18 | 6.563% | $135,000 | 0.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 16 | 6.387% | $240,000 | 33.3% |
| EVERETT FINANCIAL, INC. | 13 | 7.000% | $165,000 | 7.1% |
| First International Bank & Trust | 11 | 7.750% | $125,000 | 15.4% |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | 11 | 6.750% | $145,000 | 0.0% |
| PENNYMAC LOAN SERVICES, LLC | 11 | 6.375% | $285,000 | 8.3% |
| COMPEER FINANCIAL, FLCA | 9 | Under 10 loans | Under 10 loans | 33.3% |
| Bell Bank | 9 | Under 10 loans | Under 10 loans | 18.2% |
| Broker Solutions, Inc. | 9 | Under 10 loans | Under 10 loans | 10.0% |
| TRUSTONE FINANCIAL CREDIT UNION | 9 | Under 10 loans | Under 10 loans | 18.2% |
| U.S. Bank National Association | 8 | Under 10 loans | Under 10 loans | 38.5% |
| PLAZA HOME MORTGAGE, INC. | 7 | Under 10 loans | Under 10 loans | 22.2% |
| American Heritage National Bank | 7 | Under 10 loans | Under 10 loans | 12.5% |
| FIGURE LENDING LLC | 6 | Under 10 loans | Under 10 loans | 41.7% |
| 549300HDE2HTZZL30G11 | 6 | Under 10 loans | Under 10 loans | 0.0% |
| AFFINITY PLUS | 5 | Under 10 loans | Under 10 loans | 28.6% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Prosperity Home Mortgage, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Loandepot.Com, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| FREEDOM MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 16.7% |
| Wells Fargo Bank, National Association | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Old National Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| AmeriSave Mortgage Corporation | 3 | Under 10 loans | Under 10 loans | 62.5% |
| Luminate Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NEWREZ LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONSTAR MORTGAGE LLC | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Wings Financial Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Liberty Bank Minnesota | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BankVista | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Royal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Merchants Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Research Center, LLC | 2 | Under 10 loans | Under 10 loans | 60.0% |
| First Western Bank & Trust | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| American National Bank of Minnesota | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Unity Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| GoodLeap, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| JPMorgan Chase Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Think Mutual Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Tomo Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HomeTown Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Huntington National Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ZILLOW HOME LOANS, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Sentry Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Bank Forward | 2 | Under 10 loans | Under 10 loans | 0.0% |
| VERIDIAN CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CONSUMER REAL ESTATE FINANCE CO. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Northview Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Deerwood Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| GUILD MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 1 | Under 10 loans | Under 10 loans | 66.7% |
| ST. CLOUD FINANCIAL | 1 | Under 10 loans | Under 10 loans | 50.0% |
| 21st Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 50.0% |
| A&D Mortgage LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Servion, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NEXERA HOLDING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Freeport State Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Blaze Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Magnolia Bank, Incorporated | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Gate City Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| ROYAL UNITED MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 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% |
| Farmers and Merchants State Bank of Pierz | 1 | Under 10 loans | Under 10 loans | 0.0% |
| University of Wisconsin Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 254900J2RKTTDJSUWD76 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Border Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MidFirst Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Summit Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers & Merchants Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Tradition Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bonanza Valley State Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Neighborhood National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CMG MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Members Cooperative Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Plains Commerce Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MidWestOne Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Lakeview Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| IDEAL Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UNION HOME MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Highland Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTHPOINT FINANCIAL | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Lake Central Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RELIANCE FIRST CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PHH Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Raymond James Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of America, National Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Coastal Community Bank | 0 | Under 10 loans | Under 10 loans | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| GUARANTEED RATE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| SOFI BANK, NATIONAL ASSOCIATION | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERICAN FINANCING CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| LoanUnited.com, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| 254900M2C4Q6DATP2889 | 0 | Under 10 loans | Under 10 loans | Not published |
| TRIAD FINANCIAL SERVICES, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| OCMBC, INC. | 0 | Under 10 loans | Under 10 loans | 0.0% |
| NEW DAY FINANCIAL, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| TOPLINE FINANCIAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 50.0% |
| BMO Bank National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| Commerce Home Mortgage, Inc. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| IOWA BANKERS MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | 0.0% |
| Waterstone Mortgage Corporation | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| MILEND, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| Central Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| HOMEXPRESS MORTGAGE CORP. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| 984500CBWD5B079K2C86 | 0 | Under 10 loans | Under 10 loans | 100.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERICAN FINANCIAL RESOURCES, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| DATA MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| KIND LENDING, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Fifth Third Bank, National Association | 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.
Bank branches in Todd County
10 FDIC-insured branches from 6 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| American Heritage National Bank | 2 | $152.0 million |
| Unity Bank | 2 | $48.7 million |
| Mid-Central National Bank | 2 | $44.4 million |
| Star Bank | 2 | $34.8 million |
| First International Bank & Trust | 1 | $98.3 million |
| Minnesota National Bank | 1 | $57.1 million |
Get told when this changes
When the next year’s lending figures are out for Todd 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.