Click n' Close in Minnesota vs the state
6.9%Denial rate-6.74 pts vs state
8.5%Decision denial rate-7.81 pts vs state
71.6%Origination rate+5.20 pts vs state
6.99%Median rate+0.37 pts vs state
1.87Rate spread (pts)+1.62 pts vs state
$86kMedian applicant income
73Loans originated
7Denied
Trend in Minnesota
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 120 | 95 | 7.5% | 7.13% | #164 |
| 2024 | 115 | 54 | 12.2% | 7.13% | #173 |
| 2025 | 102 | 73 | 6.9% | 6.99% | #202 |
What Click n' Close lends in Minnesota
By loan purpose
By loan type
Why it denied Minnesota applicants
Where in Minnesota
Counties with the most Click n' Close applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Hennepin County | 11 | 7 | 2 | 18.2% |
| St. Louis County | 10 | 6 | 0 | 0.0% |
| Wright County | 9 | 7 | 0 | 0.0% |
| Anoka County | 8 | 8 | 0 | 0.0% |
| Scott County | 8 | 6 | 0 | 0.0% |
| Washington County | 8 | 4 | 3 | 37.5% |
| Ramsey County | 7 | 4 | 1 | 14.3% |
| Becker County | 5 | 5 | 0 | 0.0% |
| Sherburne County | 4 | 4 | 0 | 0.0% |
| Pine County | 3 | 2 | 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: 102 applications in 2025, of which 73 were originated and 7 denied.
6.9% of all applications, or 8.5% of the applications it actually decided on. The Minnesota statewide average across all lenders was 13.6%.
The median rate on loans Click n' Close originated in Minnesota in 2025 was 6.99%, against a statewide median of 6.63%.
About this data. Figures are Click n' Close'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