American National Bank in Minnesota vs the state
8.3%Denial rate-5.27 pts vs state
8.8%Decision denial rate-7.60 pts vs state
84.5%Origination rate+18.15 pts vs state
7.05%Median rate+0.42 pts vs state
0.30Rate spread (pts)+0.05 pts vs state
$271kMedian applicant income
71Loans originated
7Denied
Trend in Minnesota
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 91 | 62 | 24.2% | 8.15% | #193 |
| 2024 | 79 | 54 | 21.5% | 8.50% | #219 |
| 2025 | 84 | 71 | 8.3% | 7.05% | #226 |
What American National Bank lends in Minnesota
By loan purpose
By loan type
Why it denied Minnesota applicants
Where in Minnesota
Counties with the most American National Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Hennepin County | 33 | 31 | 1 | 3.0% |
| Ramsey County | 13 | 11 | 2 | 15.4% |
| Washington County | 9 | 6 | 1 | 11.1% |
| Anoka County | 8 | 6 | 1 | 12.5% |
| Dakota County | 6 | 4 | 0 | 0.0% |
| Scott County | 5 | 4 | 1 | 20.0% |
| Carver County | 3 | 3 | 0 | 0.0% |
| Stearns County | 1 | 1 | 0 | 0.0% |
| Sherburne County | 1 | 1 | 0 | 0.0% |
| Clay County | 1 | 1 | 0 | 0.0% |
Other large lenders in Minnesota
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 8,694 | 10.6% | 6.38% |
| U.S. Bank | D | 8,624 | 30.4% | 7.88% |
| Bell Bank | A | 7,987 | 5.3% | 6.63% |
| Rocket Mortgage | C | 7,630 | 16.3% | 6.63% |
| Trustone Financial Credit Union | C | 6,066 | 20.0% | 7.25% |
| Affinity Plus | C | 5,438 | 14.6% | 6.63% |
| Blaze Credit Union | B | 4,074 | 12.3% | 6.38% |
| Wings Financial Credit Union | A | 3,960 | 16.4% | 7.25% |
| Crosscountry Mortgage | B | 3,942 | 2.1% | 6.63% |
| Fairway Independent Mortgage | B | 3,327 | 3.2% | 6.75% |
Frequently asked questions
Minnesota: 84 applications in 2025, of which 71 were originated and 7 denied.
8.3% of all applications, or 8.8% of the applications it actually decided on. The Minnesota statewide average across all lenders was 13.6%.
The median rate on loans American National Bank originated in Minnesota in 2025 was 7.05%, against a statewide median of 6.63%.
About this data. Figures are American National Bank's own HMDA filing for properties located in Minnesota, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology