Mortgage lenders in Washington County
7,386 mortgages were made in Washington County, Minnesota, in 2025, by 393 lenders. The median rate their borrowers got was 6.625% on a median loan of $285,000. Of 9,224 decisions, 1,432 were denials — 15.5%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Bell Bank | 487 | 6.625% | $340,000 | 5.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 401 | 6.375% | $365,000 | 9.1% |
| U.S. Bank National Association | 343 | 8.400% | $145,000 | 33.7% |
| Rocket Mortgage, LLC | 299 | 6.625% | $245,000 | 15.2% |
| Blaze Credit Union | 255 | 6.375% | $105,000 | 14.8% |
| Royal Credit Union | 230 | 6.625% | $240,000 | 7.8% |
| TRUSTONE FINANCIAL CREDIT UNION | 208 | 7.250% | $115,000 | 22.3% |
| AFFINITY PLUS | 208 | 6.500% | $65,000 | 16.9% |
| CROSSCOUNTRY MORTGAGE, INC. | 208 | 6.575% | $325,000 | 2.8% |
| IDEAL Credit Union | 190 | 4.490% | $95,000 | 17.6% |
| LENNAR MORTGAGE, LLC | 171 | 6.000% | $435,000 | 6.5% |
| Wings Financial Credit Union | 145 | 7.250% | $155,000 | 10.9% |
| Fairway Independent Mortgage Corporation | 144 | 6.625% | $295,000 | 3.3% |
| DHI MORTGAGE COMPANY, LTD. | 137 | 5.500% | $405,000 | 6.8% |
| Tradition Mortgage, LLC | 118 | 6.490% | $455,000 | 0.0% |
| PULTE MORTGAGE LLC | 112 | 6.250% | $430,000 | 15.7% |
| The Huntington National Bank | 106 | 7.490% | $180,000 | 31.7% |
| GUARANTEED RATE, INC. | 105 | 6.500% | $355,000 | 6.9% |
| Old National Bank | 98 | 6.240% | $260,000 | 15.8% |
| PENNYMAC LOAN SERVICES, LLC | 97 | 6.125% | $385,000 | 16.1% |
| Prosperity Home Mortgage, LLC | 96 | 6.625% | $325,000 | 5.8% |
| Wells Fargo Bank, National Association | 91 | 6.250% | $275,000 | 15.5% |
| Broker Solutions, Inc. | 89 | 6.625% | $355,000 | 11.0% |
| CMG MORTGAGE, INC. | 83 | 6.688% | $325,000 | 0.0% |
| Loandepot.Com, LLC | 81 | 6.750% | $255,000 | 5.5% |
| Lake Elmo Bank | 73 | Not published | $245,000 | 4.0% |
| M/I FINANCIAL, LLC | 71 | 5.875% | $405,000 | 0.0% |
| SWBC MORTGAGE CORPORATION | 69 | 6.625% | $355,000 | 5.3% |
| Alerus Financial, National Association | 64 | 6.750% | $305,000 | 8.2% |
| Luminate Bank | 63 | 6.500% | $335,000 | 6.0% |
| Granite Bank | 62 | 6.625% | $310,000 | 1.6% |
| NEWREZ LLC | 60 | 6.750% | $270,000 | 25.9% |
| Mortgage Research Center, LLC | 54 | 6.250% | $385,000 | 27.0% |
| Associated Bank, National Association | 50 | 6.313% | $320,000 | 29.2% |
| TOPLINE FINANCIAL CREDIT UNION | 50 | 5.990% | $115,000 | 14.8% |
| MidWestOne Bank | 48 | 5.990% | $115,000 | 18.6% |
| GUARANTEED RATE AFFINITY, LLC | 47 | 6.625% | $285,000 | 2.1% |
| NATIONSTAR MORTGAGE LLC | 46 | 8.625% | $105,000 | 13.0% |
| First State Bank and Trust | 44 | Not published | $295,000 | 13.5% |
| GUILD MORTGAGE COMPANY | 44 | 6.625% | $450,000 | 2.2% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 42 | 6.500% | $275,000 | 14.3% |
| Bank of America, National Association | 41 | 5.990% | $265,000 | 33.9% |
| CITY-COUNTY CREDIT UNION | 41 | 7.000% | $85,000 | 28.1% |
| FREEDOM MORTGAGE CORPORATION | 40 | 6.125% | $335,000 | 15.5% |
| MOVEMENT MORTGAGE, LLC | 39 | 6.750% | $325,000 | 0.0% |
| Summit Mortgage Corporation | 37 | 6.625% | $315,000 | 2.6% |
| FIGURE LENDING LLC | 36 | 8.800% | $75,000 | 18.3% |
| JPMorgan Chase Bank, National Association | 36 | 6.625% | $370,000 | 17.0% |
| Deerwood Bank | 36 | 7.250% | $130,000 | 7.5% |
| SPRING EQ, LLC | 34 | 9.025% | $75,000 | 58.3% |
| EVERETT FINANCIAL, INC. | 34 | 6.625% | $340,000 | 0.0% |
| Cambria Financial Group, LLC | 32 | 6.120% | $375,000 | 0.0% |
| Waterstone Mortgage Corporation | 30 | 6.813% | $345,000 | 3.2% |
| SFMC, LP | 30 | 5.557% | $385,000 | 10.8% |
| Coastal Community Bank | 29 | 10.490% | $55,000 | 7.1% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 29 | 6.875% | $295,000 | 3.3% |
| Security State Bank of Marine | 29 | Not published | $225,000 | 3.0% |
| Navy Federal Credit Union | 28 | 7.063% | $200,000 | 37.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 28 | 6.813% | $335,000 | 0.0% |
| Merchants Bank, National Association | 26 | 6.463% | $145,000 | 0.0% |
| LOWER, LLC | 25 | 6.490% | $285,000 | 3.9% |
| SOFI BANK, NATIONAL ASSOCIATION | 24 | 7.645% | $110,000 | 26.5% |
| VERIDIAN CREDIT UNION | 24 | 6.683% | $105,000 | 7.7% |
| Servion, Inc. | 23 | 6.375% | $305,000 | 0.0% |
| Baxter Credit Union | 20 | 6.813% | $250,000 | 8.1% |
| THE LOAN STORE, INC. | 20 | 6.558% | $235,000 | 3.6% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 20 | 6.250% | $385,000 | 9.1% |
| Paramount Residential Mortgage Group, Inc. | 19 | 6.625% | $365,000 | 9.5% |
| NOVATION CREDIT UNION | 19 | 6.490% | $85,000 | 5.0% |
| Highland Bank | 18 | Not published | $145,000 | 13.6% |
| WESTCONSIN Credit Union | 18 | 7.500% | $75,000 | 10.0% |
| UNION HOME MORTGAGE CORP. | 18 | 6.750% | $355,000 | 5.0% |
| RESICENTRAL, LLC | 18 | 6.490% | $380,000 | 0.0% |
| UIF CORPORATION | 17 | 6.625% | $395,000 | 15.0% |
| TRIAD FINANCIAL SERVICES, INC. | 16 | 8.725% | $85,000 | 47.4% |
| Barrington Bank & Trust Company, National Association | 16 | 6.495% | $295,000 | 5.9% |
| BMO Bank National Association | 15 | 8.250% | $275,000 | 51.6% |
| Citizens Bank, National Association | 15 | 8.400% | $155,000 | 40.0% |
| Think Mutual Bank | 15 | 7.000% | $75,000 | 25.0% |
| MASON MCDUFFIE MORTGAGE CORPORATION | 15 | 6.750% | $325,000 | 0.0% |
| SIRVA MORTGAGE, INC. | 15 | 6.625% | $455,000 | 4.8% |
| PLAZA HOME MORTGAGE, INC. | 15 | 6.500% | $315,000 | 16.7% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 15 | 7.250% | $235,000 | 11.8% |
| Discover Bank | 14 | 9.500% | $60,000 | 62.2% |
| KIND LENDING, LLC | 14 | 6.563% | $360,000 | 33.3% |
| Frandsen Bank & Trust | 14 | 6.500% | $380,000 | 0.0% |
| PNC Bank, National Association | 14 | 6.125% | $205,000 | 22.2% |
| ZILLOW HOME LOANS, LLC | 14 | 6.438% | $305,000 | 0.0% |
| Bridgewater Bank | 14 | Not published | $245,000 | 0.0% |
| A&D Mortgage LLC | 14 | 6.125% | $465,000 | 6.7% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 13 | 6.625% | $285,000 | 7.1% |
| Heartland Credit Union | 13 | 7.750% | $75,000 | 7.1% |
| Ixonia Bank | 13 | 7.125% | $285,000 | 0.0% |
| BAY EQUITY LLC | 12 | 6.933% | $330,000 | 0.0% |
| GUIDANCE RESIDENTIAL, LLC | 12 | 7.000% | $385,000 | 0.0% |
| AmeriSave Mortgage Corporation | 11 | 6.750% | $205,000 | 66.7% |
| GoodLeap, LLC | 11 | 7.300% | $85,000 | 11.8% |
| USAA Federal Savings Bank | 11 | 6.500% | $465,000 | 26.7% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 11 | 6.040% | $365,000 | 0.0% |
| Kiavi Funding, Inc. | 11 | 10.450% | $265,000 | 15.4% |
| St. Paul Federal Credit Union | 11 | Not published | $285,000 | 8.3% |
| Luminate Home Loans, Inc. | 11 | 6.990% | $285,000 | 0.0% |
| Morgan Stanley Private Bank, National Association | 11 | 6.300% | $765,000 | 0.0% |
| Home Mortgage Alliance Corporation (HMAC) | 11 | 6.875% | $395,000 | 0.0% |
| Nations Lending Corporation | 11 | 6.500% | $305,000 | 0.0% |
| BANKWEST, INC. | 10 | 8.500% | $70,000 | 77.8% |
| LAKEVIEW LOAN SERVICING, LLC | 10 | 6.125% | $445,000 | 53.1% |
| CARRINGTON MORTGAGE SERVICES, LLC | 10 | 8.438% | $140,000 | 45.8% |
| Plains Commerce Bank | 10 | 6.625% | $345,000 | 9.1% |
| Genisys Credit Union | 10 | 6.438% | $140,000 | 9.1% |
| First Bank & Trust | 10 | 6.968% | $280,000 | 16.7% |
| Valon Mortgage, Inc. | 10 | 8.375% | $65,000 | 21.4% |
| Associated Healthcare Credit Union | 10 | 6.875% | $50,000 | 8.3% |
| Bremer Bank, National Association | 9 | Under 10 loans | Under 10 loans | 16.7% |
| AMERICAN FINANCIAL RESOURCES, INC. | 9 | Under 10 loans | Under 10 loans | 10.0% |
| SUCCESS MORTGAGE PARTNERS, INC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| First Resource Bank | 9 | Under 10 loans | Under 10 loans | 0.0% |
| MEGASTAR FINANCIAL CORP. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| 21st Mortgage Corporation | 8 | Under 10 loans | Under 10 loans | 82.7% |
| BETTER MORTGAGE CORPORATION | 8 | Under 10 loans | Under 10 loans | 47.1% |
| Expedition Credit Union | 8 | Under 10 loans | Under 10 loans | 20.0% |
| NexBank | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Vermillion State Bank | 8 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 8 | Under 10 loans | Under 10 loans | 11.1% |
| Equity Prime Mortgage LLC | 7 | Under 10 loans | Under 10 loans | 22.2% |
| NBKC BANK | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Sunrise Banks, National Association | 7 | Under 10 loans | Under 10 loans | 30.0% |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 7 | Under 10 loans | Under 10 loans | 0.0% |
| First State Bank of Wyoming | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Premier Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 6 | Under 10 loans | Under 10 loans | 25.0% |
| Third Federal Savings and Loan Association of Cleveland | 6 | Under 10 loans | Under 10 loans | 50.0% |
| Gate City Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| American National Bank | 6 | Under 10 loans | Under 10 loans | 12.5% |
| Sierra Pacific Mortgage Company, Inc. | 6 | Under 10 loans | Under 10 loans | 12.5% |
| OCMBC, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| MINNCO CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Armed Forces Bank, National Association | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Minnwest Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| ASHLAND Credit Union | 5 | Under 10 loans | Under 10 loans | 0.0% |
| PHH Mortgage Corporation | 5 | Under 10 loans | Under 10 loans | 0.0% |
| CorTrust Bank National Association | 5 | Under 10 loans | Under 10 loans | 16.7% |
| New Market Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Security Financial Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Primis Mortgage Company | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Community Resource Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Premia Mortgage, LLC DBA Premia Relocation Mortgage | 5 | Under 10 loans | Under 10 loans | 0.0% |
| ALTRA Federal Credit Union | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Hiawatha National Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Tomo Mortgage, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| PENTAGON FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 60.0% |
| MISSION LOANS, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| The Federal Savings Bank | 4 | Under 10 loans | Under 10 loans | 28.6% |
| Click n' Close, Inc. | 4 | Under 10 loans | Under 10 loans | 42.9% |
| MAGNIFI FINANCIAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 14.3% |
| Coulee Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Great Southern Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Commerce Home Mortgage, Inc. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Heritage Bank National Association | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Magnolia Bank, Incorporated | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Tradition Capital Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Platinum Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PREMIER LENDING, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CCM Finance, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Florida Capital Bank, National Association | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 3 | Under 10 loans | Under 10 loans | 57.1% |
| 254900M2C4Q6DATP2889 | 3 | Under 10 loans | Under 10 loans | 40.0% |
| ALLIANT CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 72.7% |
| BUILDING TRADES FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| FIRST COLONY MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens State Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CHAMPIONS FUNDING, LLC | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Flagstar Bank, N.A. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Nicolet National Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Drake Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Bethpage Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 25.0% |
| RESIDENTIAL WHOLESALE MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GO MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Security Bank & Trust Company | 3 | Under 10 loans | Under 10 loans | 0.0% |
| HomeTown Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers & Merchants Savings Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MLD MORTGAGE INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| UBS Bank USA | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIED MORTGAGE GROUP, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| HOMESTEAD FUNDING CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL UNITED MORTGAGE LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Bravera Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Regions Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| QUORUM FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 40.0% |
| First Federal Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Filo Mortgage, L.L.C. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 193 lenders each made 2 or fewer mortgages here, and are counted in the totals above.
Bank branches in Washington County
63 FDIC-insured branches from 24 banks, as of 30 June 2026, with the deposits held at them.
Closed since the 2025 survey
4 branches in the 2025 survey have no 2026 row: closed, sold, or moved.
- American National Bank, 1155 Hadley Ave N, Oakdale
- MidWestOne Bank, 1650 Lake St S, Forest Lake
- MidWestOne Bank, 2270 Frontage Rd W, Stillwater
- MidWestOne Bank, 3670 E County Line N, White Bear Lake
Get told when this changes
When the next year’s lending figures are out for Washington 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.