Homeowners Financial Group USA in Minnesota vs the state
3.4%Denial rate-10.20 pts vs state
4.2%Decision denial rate-12.11 pts vs state
76.4%Origination rate+10.03 pts vs state
6.63%Median rate0.00 pts vs state
0.35Rate spread (pts)+0.10 pts vs state
$77kMedian applicant income
450Loans originated
20Denied
Trend in Minnesota
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 531 | 436 | 3.4% | 7.00% | #63 |
| 2024 | 566 | 459 | 4.8% | 7.00% | #71 |
| 2025 | 589 | 450 | 3.4% | 6.63% | #72 |
What Homeowners Financial Group USA lends in Minnesota
By loan purpose
By loan type
Why it denied Minnesota applicants
Where in Minnesota
Counties with the most Homeowners Financial Group USA applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Stearns County | 200 | 151 | 9 | 4.5% |
| Kandiyohi County | 55 | 47 | 0 | 0.0% |
| Benton County | 51 | 44 | 3 | 5.9% |
| Wright County | 37 | 26 | 2 | 5.4% |
| Meeker County | 19 | 12 | 0 | 0.0% |
| Sherburne County | 19 | 15 | 0 | 0.0% |
| Morrison County | 19 | 10 | 0 | 0.0% |
| Lincoln County | 16 | 15 | 0 | 0.0% |
| Douglas County | 15 | 12 | 0 | 0.0% |
| Todd County | 13 | 11 | 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: 589 applications in 2025, of which 450 were originated and 20 denied.
3.4% of all applications, or 4.2% of the applications it actually decided on. The Minnesota statewide average across all lenders was 13.6%.
The median rate on loans Homeowners Financial Group USA originated in Minnesota in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Homeowners Financial Group USA'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