UIF in Minnesota vs the state
9.0%Denial rate-4.64 pts vs state
10.7%Decision denial rate-5.62 pts vs state
74.1%Origination rate+7.69 pts vs state
6.63%Median rate0.00 pts vs state
0.20Rate spread (pts)-0.05 pts vs state
$95kMedian applicant income
157Loans originated
19Denied
Trend in Minnesota
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 124 | 90 | 4.0% | 6.63% | #161 |
| 2024 | 142 | 103 | 7.0% | 6.63% | #155 |
| 2025 | 212 | 157 | 9.0% | 6.63% | #135 |
What UIF lends in Minnesota
By loan purpose
By loan type
Why it denied Minnesota applicants
Where in Minnesota
Counties with the most UIF applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Anoka County | 63 | 50 | 3 | 4.8% |
| Hennepin County | 43 | 33 | 4 | 9.3% |
| Dakota County | 30 | 24 | 3 | 10.0% |
| Washington County | 22 | 17 | 3 | 13.6% |
| Scott County | 18 | 10 | 2 | 11.1% |
| Ramsey County | 15 | 9 | 2 | 13.3% |
| Benton County | 7 | 5 | 1 | 14.3% |
| Stearns County | 6 | 3 | 0 | 0.0% |
| Wright County | 3 | 3 | 0 | 0.0% |
| Olmsted County | 2 | 1 | 1 | 50.0% |
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: 212 applications in 2025, of which 157 were originated and 19 denied.
9.0% of all applications, or 10.7% of the applications it actually decided on. The Minnesota statewide average across all lenders was 13.6%.
The median rate on loans UIF originated in Minnesota in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are UIF'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