Coulee Bank in Minnesota vs the state
2.3%Denial rate-11.33 pts vs state
2.9%Decision denial rate-13.45 pts vs state
74.4%Origination rate+8.06 pts vs state
8.00%Median rate+1.38 pts vs state
—Rate spread (pts)
$136kMedian applicant income
131Loans originated
4Denied
Trend in Minnesota
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 154 | 111 | 7.8% | 7.50% | #138 |
| 2024 | 182 | 135 | 3.9% | 7.55% | #133 |
| 2025 | 176 | 131 | 2.3% | 8.00% | #146 |
What Coulee Bank lends in Minnesota
By loan purpose
By loan type
Where in Minnesota
Counties with the most Coulee Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Hennepin County | 43 | 35 | 2 | 4.7% |
| Ramsey County | 34 | 28 | 2 | 5.9% |
| Olmsted County | 24 | 11 | 0 | 0.0% |
| Anoka County | 19 | 18 | 0 | 0.0% |
| Washington County | 7 | 4 | 0 | 0.0% |
| Dakota County | 7 | 3 | 0 | 0.0% |
| Scott County | 5 | 4 | 0 | 0.0% |
| Wright County | 5 | 5 | 0 | 0.0% |
| Stearns County | 4 | 3 | 0 | 0.0% |
| Freeborn County | 3 | 3 | 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: 176 applications in 2025, of which 131 were originated and 4 denied.
2.3% of all applications, or 2.9% of the applications it actually decided on. The Minnesota statewide average across all lenders was 13.6%.
The median rate on loans Coulee Bank originated in Minnesota in 2025 was 8.00%, against a statewide median of 6.63%.
About this data. Figures are Coulee 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