Oaktree Funding in Minnesota vs the state
18.8%Denial rate+5.15 pts vs state
23.1%Decision denial rate+6.73 pts vs state
31.3%Origination rate-35.12 pts vs state
7.88%Median rate+1.25 pts vs state
1.40Rate spread (pts)+1.15 pts vs state
$209kMedian applicant income
5Loans originated
3Denied
Trend in Minnesota
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 10 | 1 | 0.0% | 7.00% | #457 |
| 2024 | 18 | 7 | 5.6% | 8.13% | #391 |
| 2025 | 16 | 5 | 18.8% | 7.88% | #414 |
What Oaktree Funding lends in Minnesota
By loan purpose
By loan type
Why it denied Minnesota applicants
Where in Minnesota
Counties with the most Oaktree Funding applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Hennepin County | 9 | 4 | 1 | 11.1% |
| Washington County | 2 | 1 | 0 | 0.0% |
| Anoka County | 2 | 0 | 1 | 50.0% |
| Cook County | 1 | 0 | 0 | 0.0% |
| Aitkin County | 1 | 0 | 1 | 100.0% |
| Crow Wing 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: 16 applications in 2025, of which 5 were originated and 3 denied.
18.8% of all applications, or 23.1% of the applications it actually decided on. The Minnesota statewide average across all lenders was 13.6%.
The median rate on loans Oaktree Funding originated in Minnesota in 2025 was 7.88%, against a statewide median of 6.63%.
About this data. Figures are Oaktree Funding'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