Plains Commerce Bank in Minnesota vs the state
8.5%Denial rate-5.06 pts vs state
11.9%Decision denial rate-4.43 pts vs state
63.2%Origination rate-3.22 pts vs state
6.63%Median rate0.00 pts vs state
0.44Rate spread (pts)+0.19 pts vs state
$104kMedian applicant income
377Loans originated
51Denied
Trend in Minnesota
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 496 | 298 | 6.1% | 6.88% | #69 |
| 2024 | 797 | 492 | 4.4% | 6.75% | #54 |
| 2025 | 597 | 377 | 8.5% | 6.63% | #71 |
What Plains Commerce Bank lends in Minnesota
By loan purpose
By loan type
Why it denied Minnesota applicants
Where in Minnesota
Counties with the most Plains Commerce Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Hennepin County | 83 | 55 | 2 | 2.4% |
| Anoka County | 53 | 35 | 6 | 11.3% |
| Ramsey County | 37 | 28 | 3 | 8.1% |
| Dakota County | 36 | 22 | 3 | 8.3% |
| Rock County | 34 | 24 | 2 | 5.9% |
| Nobles County | 31 | 21 | 2 | 6.5% |
| Lyon County | 22 | 14 | 3 | 13.6% |
| Waseca County | 16 | 10 | 1 | 6.3% |
| Washington County | 16 | 10 | 1 | 6.3% |
| Olmsted County | 15 | 6 | 1 | 6.7% |
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: 597 applications in 2025, of which 377 were originated and 51 denied.
8.5% of all applications, or 11.9% of the applications it actually decided on. The Minnesota statewide average across all lenders was 13.6%.
The median rate on loans Plains Commerce Bank originated in Minnesota in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Plains Commerce 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