Resicentral in Minnesota vs the state
2.5%Denial rate-11.15 pts vs state
3.4%Decision denial rate-12.98 pts vs state
66.5%Origination rate+0.12 pts vs state
6.49%Median rate-0.13 pts vs state
0.16Rate spread (pts)-0.09 pts vs state
$121kMedian applicant income
244Loans originated
9Denied
Trend in Minnesota
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 109 | 82 | 1.8% | 6.49% | #181 |
| 2025 | 367 | 244 | 2.5% | 6.49% | #97 |
What Resicentral lends in Minnesota
By loan purpose
By loan type
Why it denied Minnesota applicants
Where in Minnesota
Counties with the most Resicentral applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Hennepin County | 111 | 68 | 3 | 2.7% |
| Dakota County | 49 | 29 | 1 | 2.0% |
| Ramsey County | 44 | 30 | 2 | 4.5% |
| Anoka County | 41 | 32 | 1 | 2.4% |
| Washington County | 19 | 18 | 0 | 0.0% |
| Scott County | 18 | 14 | 0 | 0.0% |
| Wright County | 16 | 11 | 0 | 0.0% |
| Olmsted County | 7 | 4 | 0 | 0.0% |
| Carver County | 7 | 5 | 0 | 0.0% |
| St. Louis County | 6 | 4 | 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: 367 applications in 2025, of which 244 were originated and 9 denied.
2.5% of all applications, or 3.4% of the applications it actually decided on. The Minnesota statewide average across all lenders was 13.6%.
The median rate on loans Resicentral originated in Minnesota in 2025 was 6.49%, against a statewide median of 6.63%.
About this data. Figures are Resicentral'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