Equity Prime Mortgage in Minnesota vs the state
8.7%Denial rate-4.87 pts vs state
17.5%Decision denial rate+1.17 pts vs state
40.7%Origination rate-25.64 pts vs state
6.63%Median rate0.00 pts vs state
0.37Rate spread (pts)+0.11 pts vs state
$84kMedian applicant income
112Loans originated
24Denied
Trend in Minnesota
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 89 | 37 | 7.9% | 7.25% | #196 |
| 2024 | 162 | 101 | 1.9% | 6.75% | #144 |
| 2025 | 275 | 112 | 8.7% | 6.63% | #121 |
What Equity Prime Mortgage lends in Minnesota
By loan purpose
By loan type
Why it denied Minnesota applicants
Where in Minnesota
Counties with the most Equity Prime Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Hennepin County | 39 | 8 | 6 | 15.4% |
| Dakota County | 18 | 7 | 1 | 5.6% |
| Washington County | 16 | 7 | 2 | 12.5% |
| Ramsey County | 16 | 8 | 1 | 6.3% |
| Anoka County | 13 | 9 | 2 | 15.4% |
| St. Louis County | 12 | 4 | 0 | 0.0% |
| Chisago County | 8 | 4 | 0 | 0.0% |
| Olmsted County | 8 | 2 | 0 | 0.0% |
| Scott County | 7 | 3 | 0 | 0.0% |
| Wright County | 7 | 5 | 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: 275 applications in 2025, of which 112 were originated and 24 denied.
8.7% of all applications, or 17.5% of the applications it actually decided on. The Minnesota statewide average across all lenders was 13.6%.
The median rate on loans Equity Prime Mortgage originated in Minnesota in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Equity Prime Mortgage'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