Lima One Capital in Minnesota vs the state
60.0%Denial rate+46.40 pts vs state
60.0%Decision denial rate+43.65 pts vs state
40.0%Origination rate-26.37 pts vs state
7.48%Median rate+0.85 pts vs state
—Rate spread (pts)
—Median applicant income
4Loans originated
6Denied
Trend in Minnesota
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 8 | 8 | 0.0% | 8.85% | #480 |
| 2024 | 14 | 7 | 14.3% | 8.40% | #419 |
| 2025 | 10 | 4 | 60.0% | 7.48% | #471 |
What Lima One Capital lends in Minnesota
By loan purpose
By loan type
Why it denied Minnesota applicants
Where in Minnesota
Counties with the most Lima One Capital applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Hennepin County | 6 | 1 | 5 | 83.3% |
| Chisago County | 1 | 0 | 1 | 100.0% |
| Carver County | 1 | 1 | 0 | 0.0% |
| Scott County | 1 | 1 | 0 | 0.0% |
| St. Louis County | 1 | 1 | 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: 10 applications in 2025, of which 4 were originated and 6 denied.
60.0% of all applications, or 60.0% of the applications it actually decided on. The Minnesota statewide average across all lenders was 13.6%.
The median rate on loans Lima One Capital originated in Minnesota in 2025 was 7.48%, against a statewide median of 6.63%.
About this data. Figures are Lima One Capital'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