Union Home Mortgage in Minnesota vs the state
5.4%Denial rate-8.16 pts vs state
6.3%Decision denial rate-10.02 pts vs state
79.4%Origination rate+12.99 pts vs state
6.50%Median rate-0.13 pts vs state
0.35Rate spread (pts)+0.10 pts vs state
$95kMedian applicant income
423Loans originated
29Denied
Trend in Minnesota
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 146 | 122 | 2.7% | 7.25% | #143 |
| 2024 | 433 | 359 | 5.3% | 6.63% | #84 |
| 2025 | 533 | 423 | 5.4% | 6.50% | #79 |
What Union Home Mortgage lends in Minnesota
By loan purpose
By loan type
Why it denied Minnesota applicants
Where in Minnesota
Counties with the most Union Home Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Hennepin County | 128 | 101 | 8 | 6.3% |
| Freeborn County | 73 | 63 | 0 | 0.0% |
| Ramsey County | 43 | 30 | 4 | 9.3% |
| Dakota County | 39 | 33 | 2 | 5.1% |
| Anoka County | 37 | 27 | 4 | 10.8% |
| St. Louis County | 26 | 18 | 3 | 11.5% |
| Mower County | 24 | 16 | 0 | 0.0% |
| Washington County | 20 | 18 | 1 | 5.0% |
| Stearns County | 17 | 14 | 1 | 5.9% |
| Wright County | 16 | 14 | 1 | 6.3% |
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: 533 applications in 2025, of which 423 were originated and 29 denied.
5.4% of all applications, or 6.3% of the applications it actually decided on. The Minnesota statewide average across all lenders was 13.6%.
The median rate on loans Union Home Mortgage originated in Minnesota in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are Union Home Mortgage'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