The First National Bank of Bagley in Minnesota vs the state
6.4%Denial rate-7.25 pts vs state
6.5%Decision denial rate-9.90 pts vs state
92.1%Origination rate+25.69 pts vs state
—Median rate
0.00Rate spread (pts)-0.25 pts vs state
$89kMedian applicant income
58Loans originated
4Denied
Trend in Minnesota
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 36 | 32 | 5.6% | — | #318 |
| 2024 | 46 | 39 | 4.4% | — | #275 |
| 2025 | 63 | 58 | 6.4% | — | #262 |
What The First National Bank of Bagley lends in Minnesota
By loan purpose
By loan type
Why it denied Minnesota applicants
Where in Minnesota
Counties with the most The First National Bank of Bagley applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Clearwater County | 31 | 29 | 2 | 6.5% |
| Polk County | 13 | 11 | 1 | 7.7% |
| Beltrami County | 3 | 3 | 0 | 0.0% |
| Pennington County | 1 | 1 | 0 | 0.0% |
| Mahnomen 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: 63 applications in 2025, of which 58 were originated and 4 denied.
6.4% of all applications, or 6.5% 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 The First National Bank of Bagley'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