Home purchase lenders in Washington County
4,171 home purchase mortgages were made in Washington County, Minnesota, in 2025, by 307 lenders. The median rate their borrowers got was 6.500% on a median loan of $355,000. Of 4,652 decisions, 348 were denials — 7.5%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Bell Bank | 371 | 6.625% | $355,000 | 1.1% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 237 | 6.500% | $375,000 | 4.8% |
| CROSSCOUNTRY MORTGAGE, INC. | 177 | 6.625% | $335,000 | 2.2% |
| LENNAR MORTGAGE, LLC | 171 | 6.000% | $435,000 | 6.5% |
| DHI MORTGAGE COMPANY, LTD. | 137 | 5.500% | $405,000 | 6.8% |
| Royal Credit Union | 133 | 6.375% | $335,000 | 2.9% |
| Fairway Independent Mortgage Corporation | 125 | 6.750% | $295,000 | 3.8% |
| PULTE MORTGAGE LLC | 112 | 6.250% | $430,000 | 15.7% |
| Tradition Mortgage, LLC | 104 | 6.490% | $425,000 | 0.0% |
| Rocket Mortgage, LLC | 99 | 6.625% | $335,000 | 5.7% |
| U.S. Bank National Association | 98 | 6.500% | $330,000 | 11.5% |
| Prosperity Home Mortgage, LLC | 86 | 6.625% | $335,000 | 4.4% |
| Broker Solutions, Inc. | 81 | 6.750% | $365,000 | 0.0% |
| GUARANTEED RATE, INC. | 79 | 6.525% | $345,000 | 5.9% |
| CMG MORTGAGE, INC. | 73 | 6.625% | $315,000 | 0.0% |
| M/I FINANCIAL, LLC | 71 | 5.875% | $405,000 | 0.0% |
| SWBC MORTGAGE CORPORATION | 63 | 6.625% | $355,000 | 5.9% |
| Granite Bank | 59 | 6.625% | $305,000 | 1.7% |
| Wells Fargo Bank, National Association | 58 | 6.250% | $365,000 | 15.7% |
| Wings Financial Credit Union | 56 | 6.375% | $335,000 | 1.6% |
| Luminate Bank | 53 | 6.625% | $325,000 | 0.0% |
| Blaze Credit Union | 49 | 6.000% | $325,000 | 3.5% |
| TRUSTONE FINANCIAL CREDIT UNION | 47 | 6.750% | $345,000 | 13.6% |
| PENNYMAC LOAN SERVICES, LLC | 47 | 6.499% | $405,000 | 14.3% |
| Old National Bank | 42 | 6.375% | $545,000 | 4.6% |
| GUARANTEED RATE AFFINITY, LLC | 41 | 6.625% | $285,000 | 2.4% |
| Mortgage Research Center, LLC | 39 | 6.250% | $395,000 | 7.1% |
| Loandepot.Com, LLC | 38 | 6.750% | $330,000 | 0.0% |
| Lake Elmo Bank | 38 | Not published | $285,000 | 0.0% |
| The Huntington National Bank | 36 | 6.437% | $480,000 | 5.3% |
| GUILD MORTGAGE COMPANY | 35 | 6.625% | $425,000 | 0.0% |
| Summit Mortgage Corporation | 34 | 6.625% | $310,000 | 2.9% |
| Alerus Financial, National Association | 34 | 6.750% | $355,000 | 0.0% |
| NEWREZ LLC | 34 | 6.625% | $375,000 | 5.6% |
| Associated Bank, National Association | 33 | 6.250% | $375,000 | 17.5% |
| MOVEMENT MORTGAGE, LLC | 33 | 6.750% | $315,000 | 0.0% |
| IDEAL Credit Union | 31 | 6.000% | $345,000 | 5.3% |
| SFMC, LP | 30 | 5.557% | $385,000 | 10.8% |
| First State Bank and Trust | 29 | Not published | $315,000 | 6.5% |
| Waterstone Mortgage Corporation | 28 | 6.813% | $335,000 | 3.5% |
| Cambria Financial Group, LLC | 28 | 5.990% | $400,000 | 0.0% |
| EVERETT FINANCIAL, INC. | 27 | 6.625% | $325,000 | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 25 | 6.625% | $245,000 | 7.4% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 25 | 6.990% | $295,000 | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 25 | 6.750% | $345,000 | 0.0% |
| Bank of America, National Association | 20 | 6.000% | $335,000 | 13.0% |
| LOWER, LLC | 20 | 6.495% | $340,000 | 0.0% |
| JPMorgan Chase Bank, National Association | 19 | 6.625% | $405,000 | 15.4% |
| Security State Bank of Marine | 18 | Not published | $310,000 | 4.8% |
| AFFINITY PLUS | 17 | 6.375% | $325,000 | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | 16 | 8.725% | $85,000 | 47.4% |
| Paramount Residential Mortgage Group, Inc. | 16 | 6.563% | $365,000 | 5.9% |
| UIF CORPORATION | 16 | 6.563% | $395,000 | 15.8% |
| UNION HOME MORTGAGE CORP. | 16 | 6.875% | $355,000 | 5.9% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 15 | 6.500% | $375,000 | 0.0% |
| SIRVA MORTGAGE, INC. | 15 | 6.625% | $455,000 | 4.8% |
| Servion, Inc. | 15 | 6.500% | $345,000 | 0.0% |
| RESICENTRAL, LLC | 15 | 6.625% | $425,000 | 0.0% |
| ZILLOW HOME LOANS, LLC | 14 | 6.438% | $305,000 | 0.0% |
| MASON MCDUFFIE MORTGAGE CORPORATION | 14 | 6.813% | $355,000 | 0.0% |
| KIND LENDING, LLC | 14 | 6.563% | $360,000 | 22.2% |
| Barrington Bank & Trust Company, National Association | 14 | 6.495% | $315,000 | 0.0% |
| Navy Federal Credit Union | 13 | 6.000% | $485,000 | 12.5% |
| PLAZA HOME MORTGAGE, INC. | 13 | 6.625% | $285,000 | 7.1% |
| TOPLINE FINANCIAL CREDIT UNION | 13 | 5.750% | $325,000 | 0.0% |
| MidWestOne Bank | 12 | 6.125% | $315,000 | 7.7% |
| GUIDANCE RESIDENTIAL, LLC | 12 | 7.000% | $385,000 | 0.0% |
| THE LOAN STORE, INC. | 11 | 6.125% | $355,000 | 0.0% |
| BAY EQUITY LLC | 11 | 6.990% | $325,000 | 0.0% |
| Home Mortgage Alliance Corporation (HMAC) | 11 | 6.875% | $395,000 | 0.0% |
| USAA Federal Savings Bank | 10 | 6.500% | $445,000 | 16.7% |
| Plains Commerce Bank | 10 | 6.625% | $345,000 | 9.1% |
| Baxter Credit Union | 10 | 6.188% | $445,000 | 0.0% |
| Kiavi Funding, Inc. | 10 | 10.720% | $270,000 | 9.1% |
| Bridgewater Bank | 10 | Not published | $225,000 | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 10 | 7.250% | $245,000 | 16.7% |
| Deerwood Bank | 10 | 7.250% | $275,000 | 0.0% |
| Luminate Home Loans, Inc. | 10 | 6.990% | $280,000 | 0.0% |
| Nations Lending Corporation | 10 | 6.500% | $300,000 | 0.0% |
| CITY-COUNTY CREDIT UNION | 9 | Under 10 loans | Under 10 loans | 10.0% |
| Frandsen Bank & Trust | 9 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 9 | Under 10 loans | Under 10 loans | 0.0% |
| VERIDIAN CREDIT UNION | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Ixonia Bank | 9 | Under 10 loans | Under 10 loans | 0.0% |
| BANKWEST, INC. | 8 | Under 10 loans | Under 10 loans | 81.0% |
| A&D Mortgage LLC | 8 | Under 10 loans | Under 10 loans | 11.1% |
| 21st Mortgage Corporation | 7 | Under 10 loans | Under 10 loans | 84.0% |
| First Bank & Trust | 7 | Under 10 loans | Under 10 loans | 22.2% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 7 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 7 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| MEGASTAR FINANCIAL CORP. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Sunrise Banks, National Association | 6 | Under 10 loans | Under 10 loans | 25.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| First Resource Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Security Financial Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Merchants Bank, National Association | 5 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Tomo Mortgage, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| FREEDOM MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Genisys Credit Union | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Coulee Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Click n' Close, Inc. | 4 | Under 10 loans | Under 10 loans | 33.3% |
| Premia Mortgage, LLC DBA Premia Relocation Mortgage | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Heritage Bank National Association | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONSTAR MORTGAGE LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SUCCESS MORTGAGE PARTNERS, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PREMIER LENDING, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Primis Mortgage Company | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Premier Bank | 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% |
| BMO Bank National Association | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Armed Forces Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Minnwest Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NBKC BANK | 3 | Under 10 loans | Under 10 loans | 0.0% |
| New Market Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| St. Paul Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Community Resource Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| RESIDENTIAL WHOLESALE MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GO MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Platinum Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers & Merchants Savings Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Drake Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MLD MORTGAGE INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Magnolia Bank, Incorporated | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Gate City Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 60.0% |
| Great Southern Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Think Mutual Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MAGNIFI FINANCIAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Citizens Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Home Mortgage, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Bremer Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMWEST FUNDING CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BoxCar Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GREENSTATE Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Independence Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 2549004XDCE3LGQW7H72 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Vermillion State Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First State Bank of Wyoming | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Security Bank & Trust Company | 2 | Under 10 loans | Under 10 loans | 0.0% |
| REGENT FINANCIAL GROUP, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| WESTCONSIN Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Nicolet National Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| VISTA POINT MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ARC HOME LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ALTRA Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Ally Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| COMPEER FINANCIAL, FLCA | 2 | Under 10 loans | Under 10 loans | 0.0% |
| UBS Bank USA | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ENVOY MORTGAGE, LTD | 2 | Under 10 loans | Under 10 loans | 0.0% |
| OCMBC, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 21st Century Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Bank of Elk River | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NOVATION CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GoPrime Mortgage, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First National Community Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Lakeview Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Community Federal National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| National Bank of Commerce | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CHAMPIONS FUNDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PNC Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Truist Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Bank Minnesota | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Synergy One Lending, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Crystal Lake Bank & Trust Company, N.A. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RBC Bank, (Georgia) National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Liberty Bank Minnesota | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NEXERA HOLDING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| OAKTREE FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| North Shore Bank of Commerce | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Devon Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Ohnward Bank & Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CANOPY MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UMB Bank, National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| The First National Bank of River Falls | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CORTRUST MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Empeople Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Sunflower Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Peoples State Bank of Plainview | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Axos Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| University of Wisconsin Credit Union | 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 107 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.