North American Savings Bank in Minnesota vs the state
18.2%Denial rate+4.58 pts vs state
20.0%Decision denial rate+3.65 pts vs state
72.7%Origination rate+6.36 pts vs state
6.88%Median rate+0.25 pts vs state
0.59Rate spread (pts)+0.34 pts vs state
$191kMedian applicant income
8Loans originated
2Denied
Trend in Minnesota
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 18 | 13 | 22.2% | 7.50% | #391 |
| 2024 | 12 | 8 | 8.3% | 8.00% | #433 |
| 2025 | 11 | 8 | 18.2% | 6.88% | #449 |
What North American Savings Bank lends in Minnesota
By loan purpose
By loan type
Why it denied Minnesota applicants
Where in Minnesota
Counties with the most North American Savings Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Ramsey County | 3 | 3 | 0 | 0.0% |
| Dakota County | 2 | 2 | 0 | 0.0% |
| Morrison County | 1 | 0 | 1 | 100.0% |
| Cass County | 1 | 1 | 0 | 0.0% |
| Washington County | 1 | 1 | 0 | 0.0% |
| Scott County | 1 | 0 | 1 | 100.0% |
| Norman County | 1 | 1 | 0 | 0.0% |
| Hennepin County | 1 | 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: 11 applications in 2025, of which 8 were originated and 2 denied.
18.2% of all applications, or 20.0% of the applications it actually decided on. The Minnesota statewide average across all lenders was 13.6%.
The median rate on loans North American Savings Bank originated in Minnesota in 2025 was 6.88%, against a statewide median of 6.63%.
About this data. Figures are North American Savings 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