Everett Financial in Minnesota vs the state
1.6%Denial rate-11.98 pts vs state
2.2%Decision denial rate-14.13 pts vs state
70.6%Origination rate+4.23 pts vs state
6.88%Median rate+0.25 pts vs state
0.66Rate spread (pts)+0.40 pts vs state
$92kMedian applicant income
915Loans originated
21Denied
Trend in Minnesota
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,417 | 786 | 5.2% | 6.99% | #23 |
| 2024 | 1,157 | 999 | 2.0% | 7.00% | #34 |
| 2025 | 1,296 | 915 | 1.6% | 6.88% | #32 |
What Everett Financial lends in Minnesota
By loan purpose
By loan type
Why it denied Minnesota applicants
Where in Minnesota
Counties with the most Everett Financial applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Hennepin County | 311 | 224 | 6 | 1.9% |
| Ramsey County | 133 | 94 | 1 | 0.8% |
| Anoka County | 106 | 85 | 0 | 0.0% |
| Dakota County | 81 | 52 | 3 | 3.7% |
| Stearns County | 78 | 45 | 1 | 1.3% |
| Scott County | 51 | 37 | 1 | 2.0% |
| St. Louis County | 51 | 34 | 0 | 0.0% |
| Washington County | 47 | 34 | 0 | 0.0% |
| Wright County | 47 | 35 | 0 | 0.0% |
| Sherburne County | 41 | 32 | 1 | 2.4% |
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: 1,296 applications in 2025, of which 915 were originated and 21 denied.
1.6% of all applications, or 2.2% of the applications it actually decided on. The Minnesota statewide average across all lenders was 13.6%.
The median rate on loans Everett Financial originated in Minnesota in 2025 was 6.88%, against a statewide median of 6.63%.
About this data. Figures are Everett Financial'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