NBKC Bank in Minnesota vs the state
10.0%Denial rate-3.60 pts vs state
15.3%Decision denial rate-1.03 pts vs state
54.7%Origination rate-11.66 pts vs state
6.13%Median rate-0.50 pts vs state
-0.18Rate spread (pts)-0.44 pts vs state
$143kMedian applicant income
93Loans originated
17Denied
Trend in Minnesota
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 152 | 89 | 7.9% | 6.50% | #139 |
| 2024 | 171 | 115 | 4.7% | 6.38% | #141 |
| 2025 | 170 | 93 | 10.0% | 6.13% | #149 |
What NBKC Bank lends in Minnesota
By loan purpose
By loan type
Why it denied Minnesota applicants
Where in Minnesota
Counties with the most NBKC Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Hennepin County | 65 | 40 | 5 | 7.7% |
| Ramsey County | 16 | 7 | 2 | 12.5% |
| Anoka County | 12 | 7 | 0 | 0.0% |
| Washington County | 11 | 7 | 0 | 0.0% |
| Carver County | 8 | 5 | 0 | 0.0% |
| Dakota County | 8 | 5 | 0 | 0.0% |
| St. Louis County | 5 | 2 | 0 | 0.0% |
| Crow Wing County | 5 | 0 | 4 | 80.0% |
| Cass County | 4 | 2 | 0 | 0.0% |
| Rice County | 4 | 2 | 1 | 25.0% |
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: 170 applications in 2025, of which 93 were originated and 17 denied.
10.0% of all applications, or 15.3% of the applications it actually decided on. The Minnesota statewide average across all lenders was 13.6%.
The median rate on loans NBKC Bank originated in Minnesota in 2025 was 6.13%, against a statewide median of 6.63%.
About this data. Figures are NBKC Bank'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