First Holding Company of Cavalier in Minnesota vs the state
3.9%Denial rate-9.75 pts vs state
3.9%Decision denial rate-12.43 pts vs state
92.3%Origination rate+25.94 pts vs state
—Median rate
—Rate spread (pts)
$118kMedian applicant income
48Loans originated
2Denied
Trend in Minnesota
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 49 | 46 | 6.1% | — | #277 |
| 2024 | 56 | 51 | 5.4% | — | #251 |
| 2025 | 52 | 48 | 3.9% | — | #286 |
What First Holding Company of Cavalier lends in Minnesota
By loan purpose
By loan type
Where in Minnesota
Counties with the most First Holding Company of Cavalier applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Polk County | 36 | 35 | 1 | 2.8% |
| Kittson County | 6 | 5 | 0 | 0.0% |
| Marshall County | 4 | 2 | 1 | 25.0% |
| Mahnomen County | 3 | 3 | 0 | 0.0% |
| Cass County | 1 | 1 | 0 | 0.0% |
| Dakota County | 1 | 1 | 0 | 0.0% |
| Otter Tail 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: 52 applications in 2025, of which 48 were originated and 2 denied.
3.9% of all applications, or 3.9% of the applications it actually decided on. The Minnesota statewide average across all lenders was 13.6%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are First Holding Company of Cavalier'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