Lendingone in Minnesota vs the state
13.1%Denial rate-0.51 pts vs state
62.5%Decision denial rate+46.15 pts vs state
7.9%Origination rate-58.52 pts vs state
7.38%Median rate+0.75 pts vs state
—Rate spread (pts)
—Median applicant income
15Loans originated
25Denied
Trend in Minnesota
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 52 | 4 | 69.2% | 7.21% | #265 |
| 2024 | 53 | 9 | 71.7% | 9.50% | #259 |
| 2025 | 191 | 15 | 13.1% | 7.38% | #140 |
What Lendingone lends in Minnesota
By loan purpose
By loan type
Why it denied Minnesota applicants
Where in Minnesota
Counties with the most Lendingone applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Hennepin County | 76 | 4 | 10 | 13.2% |
| Ramsey County | 32 | 1 | 2 | 6.3% |
| Dakota County | 11 | 1 | 1 | 9.1% |
| Anoka County | 7 | 1 | 1 | 14.3% |
| St. Louis County | 7 | 0 | 0 | 0.0% |
| Nobles County | 7 | 4 | 1 | 14.3% |
| Carver County | 6 | 1 | 0 | 0.0% |
| Stearns County | 5 | 0 | 1 | 20.0% |
| Washington County | 5 | 0 | 0 | 0.0% |
| Chisago County | 4 | 0 | 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: 191 applications in 2025, of which 15 were originated and 25 denied.
13.1% of all applications, or 62.5% of the applications it actually decided on. The Minnesota statewide average across all lenders was 13.6%.
The median rate on loans Lendingone originated in Minnesota in 2025 was 7.38%, against a statewide median of 6.63%.
About this data. Figures are Lendingone'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