NORTHWOODS
NORTHWOODS received 185 applications in 2025 and made 131 mortgages, in 9 counties across 2 states. The median rate its borrowers got was 7.750% on a median loan of $65,000. Of 180 decisions, 31 were denials — 17.2%, most often for credit history. 1 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 549300KGWK2C69R8ZN27 |
|---|---|
| Applications received | 185 |
| Mortgages made | 131 |
| Denied | 31 |
| Approved, not taken up | 18 |
| Withdrawn or incomplete | 5 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 1.821 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 19 | 6.875% | $135,000 | 20.0% |
| Refinancing | 3 | Under 10 loans | Under 10 loans | 55.6% |
| Cash-out refinancing | 40 | 8.000% | $75,000 | 17.9% |
| Other purposes | 69 | 7.500% | $55,000 | 11.8% |
Where NORTHWOODS lends most
The 9 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Carlton County, MN | 83 | 7.750% | 18.1% |
| St. Louis County, MN | 31 | 7.500% | 12.2% |
| Pine County, MN | 13 | 8.000% | 13.3% |
| Aitkin County, MN | 1 | Under 10 loans | 0.0% |
| Cass County, MN | 1 | Under 10 loans | 0.0% |
| Kanabec County, MN | 1 | Under 10 loans | 0.0% |
| Wadena County, MN | 1 | Under 10 loans | 0.0% |
| Crow Wing County, MN | 0 | Under 10 loans | 100.0% |
| Camden County, NJ | 0 | Under 10 loans | 100.0% |
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When NORTHWOODS’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.