Border Bank
Border Bank received 325 applications in 2025 and made 288 mortgages, in 31 counties across 3 states. The median rate its borrowers got was Not published on a median loan of $130,000. Of 300 decisions, 11 were denials — 3.7%.
| Legal Entity Identifier | 254900Y3CWQSLFVW8D53 |
|---|---|
| Applications received | 325 |
| Mortgages made | 288 |
| Denied | 11 |
| Approved, not taken up | 1 |
| Withdrawn or incomplete | 25 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: Border Bank, 11 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 131 | Not published | $165,000 | 1.5% |
| Refinancing | 44 | Not published | $170,000 | 4.4% |
| Cash-out refinancing | 57 | Not published | $115,000 | 6.6% |
| Other purposes | 56 | Not published | $55,000 | 5.1% |
Where Border Bank lends most
The 31 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Roseau County, MN | 65 | Not published | 3.0% |
| Pennington County, MN | 54 | Not published | 1.8% |
| Lake of the Woods County, MN | 33 | Not published | 0.0% |
| Cass County, ND | 30 | Not published | 9.1% |
| Clearwater County, MN | 17 | Not published | 0.0% |
| Koochiching County, MN | 14 | Not published | 12.5% |
| Marshall County, MN | 14 | Not published | 0.0% |
| Clay County, MN | 10 | Not published | 9.1% |
| Kittson County, MN | 10 | Not published | 0.0% |
| Red Lake County, MN | 9 | Under 10 loans | 0.0% |
| Itasca County, MN | 4 | Under 10 loans | 0.0% |
| Becker County, MN | 3 | Under 10 loans | 0.0% |
| Beltrami County, MN | 3 | Under 10 loans | 0.0% |
| Polk County, MN | 3 | Under 10 loans | 25.0% |
| Anoka County, MN | 2 | Under 10 loans | 33.3% |
| Hennepin County, MN | 2 | Under 10 loans | 0.0% |
| Douglas County, MN | 1 | Under 10 loans | 0.0% |
| Hubbard County, MN | 1 | Under 10 loans | 0.0% |
| McLeod County, MN | 1 | Under 10 loans | 0.0% |
| Otter Tail County, MN | 1 | Under 10 loans | 0.0% |
| Rice County, MN | 1 | Under 10 loans | 0.0% |
| St. Louis County, MN | 1 | Under 10 loans | 0.0% |
| Todd County, MN | 1 | Under 10 loans | 0.0% |
| Barnes County, ND | 1 | Under 10 loans | 0.0% |
| Cavalier County, ND | 1 | Under 10 loans | 0.0% |
| Morton County, ND | 1 | Under 10 loans | 0.0% |
| Pembina County, ND | 1 | Under 10 loans | 0.0% |
| Richland County, ND | 1 | Under 10 loans | 0.0% |
| Traill County, ND | 1 | Under 10 loans | 0.0% |
| Polk County, WI | 1 | Under 10 loans | 0.0% |
| Rock County, WI | 1 | Under 10 loans | 0.0% |
Get told when this changes
When Border Bank’s figures are published for the next year, or restated.
Double opt-in, one click to unsubscribe. We never sell or share the list, and we are not a lender, a broker or a lead generator: this is a notification about published data, not a sales call. Privacy.
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.