City First Mortgage Services in Minnesota vs the state
4.6%Denial rate-9.05 pts vs state
5.3%Decision denial rate-11.09 pts vs state
81.8%Origination rate+15.45 pts vs state
6.69%Median rate+0.06 pts vs state
0.58Rate spread (pts)+0.33 pts vs state
$98kMedian applicant income
18Loans originated
1Denied
Trend in Minnesota
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 50 | 37 | 10.0% | 7.13% | #273 |
| 2024 | 59 | 52 | 0.0% | 6.93% | #244 |
| 2025 | 22 | 18 | 4.6% | 6.69% | #382 |
What City First Mortgage Services lends in Minnesota
By loan purpose
By loan type
Why it denied Minnesota applicants
Where in Minnesota
Counties with the most City First Mortgage Services applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Hennepin County | 5 | 2 | 1 | 20.0% |
| Anoka County | 4 | 3 | 0 | 0.0% |
| Ramsey County | 3 | 3 | 0 | 0.0% |
| Scott County | 2 | 2 | 0 | 0.0% |
| Isanti County | 2 | 2 | 0 | 0.0% |
| Carver County | 1 | 1 | 0 | 0.0% |
| Clay County | 1 | 1 | 0 | 0.0% |
| St. Louis County | 1 | 1 | 0 | 0.0% |
| Olmsted County | 1 | 1 | 0 | 0.0% |
| Washington 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: 22 applications in 2025, of which 18 were originated and 1 denied.
4.6% of all applications, or 5.3% of the applications it actually decided on. The Minnesota statewide average across all lenders was 13.6%.
The median rate on loans City First Mortgage Services originated in Minnesota in 2025 was 6.69%, against a statewide median of 6.63%.
About this data. Figures are City First Mortgage Services'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