Largest lenders in Todd County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Magnifi Financial Credit Union | B | 136 | 98 | 11.8% | 6.13% |
| 2 | Rocket Mortgage | C | 44 | 27 | 27.3% | 6.63% |
| 3 | United Shore Financial Services | B | 29 | 16 | 27.6% | 6.39% |
| 4 | Fairway Independent Mortgage | B | 26 | 23 | 0.0% | 6.93% |
| 5 | Everett Financial | C | 24 | 13 | 4.2% | 7.00% |
| 6 | Star Bank | – | 21 | 19 | 0.0% | — |
| 7 | U.S. Bank | D | 19 | 8 | 26.3% | 7.76% |
| 8 | Granite Bank | B | 18 | 18 | 0.0% | 6.63% |
| 9 | Bell Bank | A | 16 | 9 | 12.5% | 6.88% |
| 10 | Compeer Financial, Flca | C | 16 | 9 | 31.3% | 7.00% |
| 11 | Broker Solutions | D | 15 | 9 | 6.7% | 7.00% |
| 12 | First International Bank & Trust | B | 14 | 11 | 14.3% | 7.75% |
| 13 | Homeowners Financial Group USA | B | 13 | 11 | 0.0% | 6.75% |
| 14 | Pennymac Loan Services | C | 12 | 11 | 8.3% | 6.38% |
| 15 | Mortgage Research Center | C | 12 | 2 | 25.0% | 6.87% |
| 16 | Figure Lending | C | 12 | 6 | 41.7% | 9.46% |
| 17 | Affinity Plus | C | 11 | 5 | 18.2% | 6.88% |
| 18 | Freedom Mortgage | B | 11 | 4 | 9.1% | 6.25% |
| 19 | Trustone Financial Credit Union | C | 11 | 9 | 18.2% | 7.12% |
| 20 | Plaza Home Mortgage | C | 11 | 7 | 18.2% | 6.50% |
| 21 | AmeriSave Mortgage | D | 8 | 3 | 62.5% | 6.50% |
| 22 | American Heritage National Bank | – | 8 | 7 | 12.5% | — |
| 23 | Wells Fargo Bank | B | 7 | 4 | 14.3% | 6.25% |
| 24 | Unnamed lender 549300HDE2HTZZL30G11 | – | 7 | 6 | 0.0% | — |
| 25 | Primelending, a Plainscapital | A | 7 | 5 | 0.0% | 6.63% |
Best approval odds in Todd County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Magnifi Financial Credit Union | 120 | 13.3% |
What Todd County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Todd County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 478 | 324 | 13.2% | 6.99% | $145,000 |
| 2024 | 594 | 416 | 11.8% | 7.00% | $155,000 |
| 2025 | 721 | 461 | 14.2% | 6.63% | $155,000 |
Frequently asked questions
14.2% of applications in Todd County were denied in 2025, against 13.6% statewide in Minnesota.
Magnifi Financial Credit Union, with 136 applications in 2025 and a denial rate of 11.8%.
The median mortgage application in Todd County in 2025 was for $155,000; the median property value on originated loans was $255,000.