First National Bank Minnesota in Minnesota vs the state
17.0%Denial rate+3.35 pts vs state
17.0%Decision denial rate+0.60 pts vs state
83.1%Origination rate+16.68 pts vs state
—Median rate
—Rate spread (pts)
$109kMedian applicant income
49Loans originated
10Denied
Trend in Minnesota
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 56 | 47 | 10.7% | — | #254 |
| 2024 | 70 | 61 | 5.7% | — | #232 |
| 2025 | 59 | 49 | 17.0% | — | #269 |
What First National Bank Minnesota lends in Minnesota
By loan purpose
By loan type
Why it denied Minnesota applicants
Where in Minnesota
Counties with the most First National Bank Minnesota applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Blue Earth County | 18 | 16 | 2 | 11.1% |
| Nicollet County | 12 | 10 | 2 | 16.7% |
| Sibley County | 7 | 6 | 1 | 14.3% |
| Scott County | 5 | 4 | 1 | 20.0% |
| Carver County | 4 | 4 | 0 | 0.0% |
| Martin County | 2 | 2 | 0 | 0.0% |
| Brown County | 2 | 1 | 1 | 50.0% |
| Le Sueur County | 2 | 2 | 0 | 0.0% |
| Olmsted County | 1 | 1 | 0 | 0.0% |
| Watonwan County | 1 | 0 | 1 | 100.0% |
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: 59 applications in 2025, of which 49 were originated and 10 denied.
17.0% of all applications, or 17.0% 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 National Bank Minnesota'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