LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans in Minnesota vs the state
9.0%Denial rate-4.58 pts vs state
14.4%Decision denial rate-1.97 pts vs state
47.8%Origination rate-18.53 pts vs state
6.00%Median rate-0.63 pts vs state
-0.23Rate spread (pts)-0.48 pts vs state
$165kMedian applicant income
122Loans originated
23Denied
Trend in Minnesota
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 14 | 4 | 7.1% | 6.19% | #418 |
| 2024 | 83 | 35 | 4.8% | 6.12% | #212 |
| 2025 | 255 | 122 | 9.0% | 6.00% | #123 |
What LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans lends in Minnesota
By loan purpose
By loan type
Why it denied Minnesota applicants
Where in Minnesota
Counties with the most LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Hennepin County | 95 | 45 | 6 | 6.3% |
| Ramsey County | 22 | 14 | 1 | 4.5% |
| Dakota County | 21 | 11 | 0 | 0.0% |
| Anoka County | 18 | 7 | 3 | 16.7% |
| Washington County | 16 | 11 | 0 | 0.0% |
| Wright County | 10 | 1 | 3 | 30.0% |
| Carver County | 8 | 5 | 1 | 12.5% |
| Scott County | 8 | 3 | 1 | 12.5% |
| St. Louis County | 7 | 3 | 1 | 14.3% |
| Otter Tail County | 5 | 3 | 1 | 20.0% |
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: 255 applications in 2025, of which 122 were originated and 23 denied.
9.0% of all applications, or 14.4% of the applications it actually decided on. The Minnesota statewide average across all lenders was 13.6%.
The median rate on loans LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans originated in Minnesota in 2025 was 6.00%, against a statewide median of 6.63%.
About this data. Figures are LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans'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