Woodlands National Bank in Minnesota vs the state
28.6%Denial rate+14.97 pts vs state
30.4%Decision denial rate+14.08 pts vs state
51.0%Origination rate-15.35 pts vs state
—Median rate
—Rate spread (pts)
$79kMedian applicant income
25Loans originated
14Denied
Trend in Minnesota
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 70 | 28 | 40.0% | — | #231 |
| 2024 | 45 | 26 | 28.9% | — | #277 |
| 2025 | 49 | 25 | 28.6% | — | #296 |
What Woodlands National Bank lends in Minnesota
By loan purpose
By loan type
Why it denied Minnesota applicants
Where in Minnesota
Counties with the most Woodlands National Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Mille Lacs County | 14 | 9 | 3 | 21.4% |
| Cass County | 5 | 1 | 4 | 80.0% |
| Pine County | 5 | 2 | 1 | 20.0% |
| Morrison County | 4 | 2 | 1 | 25.0% |
| Crow Wing County | 3 | 0 | 2 | 66.7% |
| Carlton County | 3 | 2 | 1 | 33.3% |
| Hennepin County | 3 | 3 | 0 | 0.0% |
| St. Louis County | 2 | 2 | 0 | 0.0% |
| Mahnomen County | 2 | 1 | 0 | 0.0% |
| Kanabec County | 2 | 2 | 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: 49 applications in 2025, of which 25 were originated and 14 denied.
28.6% of all applications, or 30.4% 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 Woodlands National Bank'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