OriginPoint in Minnesota vs the state
16.7%Denial rate+3.07 pts vs state
20.0%Decision denial rate+3.65 pts vs state
66.7%Origination rate+0.30 pts vs state
6.73%Median rate+0.10 pts vs state
0.43Rate spread (pts)+0.17 pts vs state
$154kMedian applicant income
4Loans originated
1Denied
Trend in Minnesota
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 27 | 21 | 3.7% | 6.93% | #355 |
| 2024 | 21 | 13 | 9.5% | 6.63% | #382 |
| 2025 | 6 | 4 | 16.7% | 6.73% | #520 |
What OriginPoint lends in Minnesota
By loan purpose
By loan type
Why it denied Minnesota applicants
Where in Minnesota
Counties with the most OriginPoint applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Hennepin County | 2 | 1 | 1 | 50.0% |
| Ramsey County | 1 | 1 | 0 | 0.0% |
| Dakota County | 1 | 1 | 0 | 0.0% |
| Sherburne County | 1 | 0 | 0 | 0.0% |
| Cass 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: 6 applications in 2025, of which 4 were originated and 1 denied.
16.7% 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 OriginPoint originated in Minnesota in 2025 was 6.73%, against a statewide median of 6.63%.
About this data. Figures are OriginPoint'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