Largest lenders in Chisago County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Bell Bank | A | 125 | 105 | 5.6% | 6.75% |
| 2 | Rocket Mortgage | C | 120 | 93 | 11.7% | 6.63% |
| 3 | United Shore Financial Services | B | 117 | 83 | 11.1% | 6.41% |
| 4 | U.S. Bank | D | 115 | 62 | 27.0% | 8.65% |
| 5 | Affinity Plus | C | 99 | 70 | 16.2% | 6.50% |
| 6 | Crosscountry Mortgage | B | 94 | 72 | 1.1% | 6.63% |
| 7 | Royal Credit Union | B | 83 | 58 | 15.7% | 6.75% |
| 8 | Guaranteed Rate | B | 70 | 44 | 1.4% | 6.41% |
| 9 | Minnco Credit Union | F | 66 | 44 | 12.1% | 7.50% |
| 10 | Loandepot.Com | D | 65 | 33 | 33.9% | 6.13% |
| 11 | Trustone Financial Credit Union | C | 64 | 48 | 7.8% | 7.00% |
| 12 | Pennymac Loan Services | C | 52 | 36 | 5.8% | 6.13% |
| 13 | Broker Solutions | D | 51 | 35 | 2.0% | 6.88% |
| 14 | Blaze Credit Union | B | 47 | 31 | 19.2% | 6.50% |
| 15 | Newrez | D | 43 | 16 | 14.0% | 6.69% |
| 16 | MidWestOne Bank | A | 40 | 25 | 30.0% | 5.99% |
| 17 | The Huntington National Bank | D | 38 | 21 | 21.1% | 7.79% |
| 18 | Associated Bank | B | 32 | 21 | 31.3% | 7.25% |
| 19 | Members Cooperative Credit Union | D | 32 | 20 | 15.6% | 7.75% |
| 20 | Mortgage Research Center | C | 32 | 17 | 6.3% | 6.25% |
| 21 | Prosperity Home Mortgage | A | 32 | 27 | 0.0% | 6.63% |
| 22 | Freedom Mortgage | B | 29 | 10 | 3.5% | 6.38% |
| 23 | Spring Eq | D | 28 | 10 | 46.4% | 8.53% |
| 24 | Topline Financial Credit Union | A | 26 | 17 | 30.8% | 6.50% |
| 25 | IDEAL Credit Union | A | 26 | 17 | 19.2% | 6.50% |
Best approval odds in Chisago County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Crosscountry Mortgage | 75 | 1.3% |
| 2 | Bell Bank | 113 | 6.2% |
| 3 | Trustone Financial Credit Union | 56 | 8.9% |
| 4 | Rocket Mortgage | 113 | 12.4% |
| 5 | United Shore Financial Services | 97 | 13.4% |
| 6 | Minnco Credit Union | 52 | 15.4% |
| 7 | Royal Credit Union | 73 | 17.8% |
| 8 | Affinity Plus | 86 | 18.6% |
| 9 | U.S. Bank | 95 | 32.6% |
| 10 | Loandepot.Com | 55 | 40.0% |
What Chisago County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Chisago County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 2,155 | 1,408 | 15.6% | 6.94% | $195,000 |
| 2024 | 2,346 | 1,510 | 16.3% | 6.99% | $205,000 |
| 2025 | 2,461 | 1,567 | 14.6% | 6.75% | $235,000 |
Frequently asked questions
14.6% of applications in Chisago County were denied in 2025, against 13.6% statewide in Minnesota.
Bell Bank, with 125 applications in 2025 and a denial rate of 5.6%.
The median mortgage application in Chisago County in 2025 was for $235,000; the median property value on originated loans was $395,000.