Kind Lending in Minnesota vs the state
23.3%Denial rate+9.67 pts vs state
26.6%Decision denial rate+10.27 pts vs state
63.7%Origination rate-2.64 pts vs state
6.63%Median rate0.00 pts vs state
0.32Rate spread (pts)+0.06 pts vs state
$111kMedian applicant income
304Loans originated
111Denied
Trend in Minnesota
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 270 | 190 | 17.8% | 6.38% | #104 |
| 2024 | 255 | 157 | 20.8% | 6.63% | #109 |
| 2025 | 477 | 304 | 23.3% | 6.63% | #84 |
What Kind Lending lends in Minnesota
By loan purpose
By loan type
Why it denied Minnesota applicants
Where in Minnesota
Counties with the most Kind Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Hennepin County | 111 | 81 | 22 | 19.8% |
| Anoka County | 59 | 39 | 8 | 13.6% |
| Dakota County | 49 | 30 | 9 | 18.4% |
| Ramsey County | 43 | 26 | 9 | 20.9% |
| Washington County | 23 | 14 | 7 | 30.4% |
| Wright County | 18 | 13 | 3 | 16.7% |
| Carver County | 15 | 5 | 7 | 46.7% |
| Scott County | 14 | 12 | 1 | 7.1% |
| Blue Earth County | 14 | 7 | 3 | 21.4% |
| Goodhue County | 11 | 8 | 2 | 18.2% |
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: 477 applications in 2025, of which 304 were originated and 111 denied.
23.3% of all applications, or 26.6% of the applications it actually decided on. The Minnesota statewide average across all lenders was 13.6%.
The median rate on loans Kind Lending originated in Minnesota in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Kind Lending'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