21st Century Bank
21st Century Bank received 47 applications in 2025 and made 42 mortgages, in 11 counties across 1 state. The median rate its borrowers got was Not published on a median loan of $295,000. Of 43 decisions, 1 were denials — 2.3%.
| Legal Entity Identifier | 549300M3TJGNW53OWQ30 |
|---|---|
| Applications received | 47 |
| Mortgages made | 42 |
| Denied | 1 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 4 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: 21st Century Bank, 8 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 28 | Not published | $265,000 | 3.5% |
| Refinancing | 11 | Not published | $405,000 | 0.0% |
| Other purposes | 3 | Under 10 loans | Under 10 loans | 0.0% |
Where 21st Century Bank lends most
The 11 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Hennepin County, MN | 26 | Not published | 0.0% |
| Ramsey County, MN | 5 | Under 10 loans | 16.7% |
| Wright County, MN | 3 | Under 10 loans | 0.0% |
| Washington County, MN | 2 | Under 10 loans | 0.0% |
| Carver County, MN | 1 | Under 10 loans | 0.0% |
| Cook County, MN | 1 | Under 10 loans | 0.0% |
| Le Sueur County, MN | 1 | Under 10 loans | 0.0% |
| Mille Lacs County, MN | 1 | Under 10 loans | 0.0% |
| Morrison County, MN | 1 | Under 10 loans | 0.0% |
| St. Louis County, MN | 1 | Under 10 loans | 0.0% |
| Benton County, MN | 0 | Under 10 loans | Not published |
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When 21st Century Bank’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.