Mld Mortgage in Minnesota vs the state
2.5%Denial rate-11.07 pts vs state
2.9%Decision denial rate-13.49 pts vs state
81.0%Origination rate+14.64 pts vs state
6.63%Median rate0.00 pts vs state
0.06Rate spread (pts)-0.19 pts vs state
$108kMedian applicant income
64Loans originated
2Denied
Trend in Minnesota
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 21 | 13 | 0.0% | 6.38% | #380 |
| 2025 | 79 | 64 | 2.5% | 6.63% | #233 |
What Mld Mortgage lends in Minnesota
By loan purpose
By loan type
Why it denied Minnesota applicants
Where in Minnesota
Counties with the most Mld Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Hennepin County | 29 | 25 | 2 | 6.9% |
| Anoka County | 12 | 8 | 0 | 0.0% |
| Dakota County | 10 | 8 | 0 | 0.0% |
| Carver County | 6 | 5 | 0 | 0.0% |
| Ramsey County | 5 | 4 | 0 | 0.0% |
| Washington County | 3 | 3 | 0 | 0.0% |
| Sherburne County | 3 | 3 | 0 | 0.0% |
| Le Sueur County | 2 | 2 | 0 | 0.0% |
| Wright County | 2 | 1 | 0 | 0.0% |
| Chisago 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: 79 applications in 2025, of which 64 were originated and 2 denied.
2.5% of all applications, or 2.9% of the applications it actually decided on. The Minnesota statewide average across all lenders was 13.6%.
The median rate on loans Mld Mortgage originated in Minnesota in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Mld Mortgage'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