South Story Bank & Trust in Minnesota vs the state
2.8%Denial rate-10.82 pts vs state
2.9%Decision denial rate-13.49 pts vs state
94.4%Origination rate+28.07 pts vs state
—Median rate
—Rate spread (pts)
$113kMedian applicant income
34Loans originated
1Denied
Trend in Minnesota
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 18 | 17 | 0.0% | — | #389 |
| 2024 | 16 | 15 | 6.3% | — | #399 |
| 2025 | 36 | 34 | 2.8% | — | #325 |
What South Story Bank & Trust lends in Minnesota
By loan purpose
By loan type
Where in Minnesota
Counties with the most South Story Bank & Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Hennepin County | 16 | 14 | 1 | 6.3% |
| Wright County | 10 | 10 | 0 | 0.0% |
| McLeod County | 3 | 3 | 0 | 0.0% |
| Cass County | 3 | 3 | 0 | 0.0% |
| Dakota County | 1 | 1 | 0 | 0.0% |
| Ramsey County | 1 | 1 | 0 | 0.0% |
| Washington County | 1 | 1 | 0 | 0.0% |
| Carver 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: 36 applications in 2025, of which 34 were originated and 1 denied.
2.8% of all applications, or 2.9% of the applications it actually decided on. The Minnesota statewide average across all lenders was 13.6%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are South Story Bank & Trust'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