Highland Bank
Highland Bank received 489 applications in 2025 and made 352 mortgages, in 40 counties across 3 states. The median rate its borrowers got was Not published on a median loan of $105,000. Of 446 decisions, 69 were denials — 15.5%.
| Legal Entity Identifier | 549300TN0C13QXN1P552 |
|---|---|
| Applications received | 489 |
| Mortgages made | 352 |
| Denied | 69 |
| Approved, not taken up | 25 |
| Withdrawn or incomplete | 43 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: Highland Bank, 8 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 28 | Not published | $155,000 | 8.6% |
| Refinancing | 124 | Not published | $140,000 | 7.2% |
| Other purposes | 200 | Not published | $75,000 | 20.6% |
Where Highland Bank lends most
The 40 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 | 123 | Not published | 12.3% |
| Dakota County, MN | 36 | Not published | 9.8% |
| Ramsey County, MN | 35 | Not published | 14.3% |
| Anoka County, MN | 31 | Not published | 15.0% |
| Scott County, MN | 24 | Not published | 10.7% |
| Wright County, MN | 19 | Not published | 20.8% |
| Washington County, MN | 18 | Not published | 13.6% |
| Carver County, MN | 8 | Under 10 loans | 40.0% |
| Sherburne County, MN | 7 | Under 10 loans | 0.0% |
| Chisago County, MN | 6 | Under 10 loans | 36.4% |
| St. Louis County, MN | 6 | Under 10 loans | 22.2% |
| St. Croix County, WI | 5 | Under 10 loans | 16.7% |
| Crow Wing County, MN | 4 | Under 10 loans | 0.0% |
| Isanti County, MN | 4 | Under 10 loans | 20.0% |
| Olmsted County, MN | 3 | Under 10 loans | 0.0% |
| Polk County, WI | 3 | Under 10 loans | 0.0% |
| Cass County, MN | 2 | Under 10 loans | 0.0% |
| Goodhue County, MN | 2 | Under 10 loans | 33.3% |
| Le Sueur County, MN | 2 | Under 10 loans | 0.0% |
| Maricopa County, AZ | 1 | Under 10 loans | 0.0% |
| Beltrami County, MN | 1 | Under 10 loans | 0.0% |
| Blue Earth County, MN | 1 | Under 10 loans | 50.0% |
| Carlton County, MN | 1 | Under 10 loans | 0.0% |
| Douglas County, MN | 1 | Under 10 loans | 0.0% |
| Itasca County, MN | 1 | Under 10 loans | 0.0% |
| Mower County, MN | 1 | Under 10 loans | 0.0% |
| Nicollet County, MN | 1 | Under 10 loans | 0.0% |
| Pine County, MN | 1 | Under 10 loans | 75.0% |
| Stearns County, MN | 1 | Under 10 loans | 0.0% |
| Todd County, MN | 1 | Under 10 loans | 0.0% |
| Barron County, WI | 1 | Under 10 loans | 0.0% |
| Douglas County, WI | 1 | Under 10 loans | 0.0% |
| Washburn County, WI | 1 | Under 10 loans | 0.0% |
| Houston County, MN | 0 | Under 10 loans | 0.0% |
| Hubbard County, MN | 0 | Under 10 loans | 50.0% |
| Mahnomen County, MN | 0 | Under 10 loans | 100.0% |
| Mille Lacs County, MN | 0 | Under 10 loans | Not published |
| Polk County, MN | 0 | Under 10 loans | 100.0% |
| Swift County, MN | 0 | Under 10 loans | Not published |
| Sawyer County, WI | 0 | Under 10 loans | 100.0% |
Get told when this changes
When Highland 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.