Mortgage lenders in Chisago County
1,567 mortgages were made in Chisago County, Minnesota, in 2025, by 226 lenders. The median rate their borrowers got was 6.740% on a median loan of $255,000. Of 2,012 decisions, 360 were denials — 17.9%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Bell Bank | 105 | 6.750% | $315,000 | 6.2% |
| Rocket Mortgage, LLC | 93 | 6.625% | $245,000 | 12.4% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 83 | 6.410% | $315,000 | 13.4% |
| CROSSCOUNTRY MORTGAGE, INC. | 72 | 6.625% | $335,000 | 1.3% |
| AFFINITY PLUS | 70 | 6.495% | $75,000 | 18.6% |
| U.S. Bank National Association | 62 | 8.650% | $110,000 | 32.6% |
| Royal Credit Union | 58 | 6.750% | $170,000 | 17.8% |
| TRUSTONE FINANCIAL CREDIT UNION | 48 | 7.000% | $215,000 | 8.9% |
| GUARANTEED RATE, INC. | 44 | 6.375% | $310,000 | 2.2% |
| MINNCO CREDIT UNION | 44 | 7.500% | $80,000 | 15.4% |
| PENNYMAC LOAN SERVICES, LLC | 36 | 6.125% | $325,000 | 7.5% |
| Broker Solutions, Inc. | 35 | 6.875% | $275,000 | 2.6% |
| Loandepot.Com, LLC | 33 | 6.125% | $315,000 | 40.0% |
| Blaze Credit Union | 31 | 6.500% | $85,000 | 21.4% |
| Prosperity Home Mortgage, LLC | 27 | 6.625% | $325,000 | 0.0% |
| MidWestOne Bank | 25 | 5.990% | $95,000 | 31.6% |
| The Huntington National Bank | 21 | 7.790% | $95,000 | 26.7% |
| Associated Bank, National Association | 21 | 7.250% | $75,000 | 32.3% |
| Security State Bank of Marine | 21 | Not published | $295,000 | 4.4% |
| Members Cooperative Credit Union | 20 | 7.750% | $85,000 | 20.0% |
| Mortgage Research Center, LLC | 17 | 6.250% | $385,000 | 10.0% |
| IDEAL Credit Union | 17 | 6.500% | $85,000 | 21.7% |
| TOPLINE FINANCIAL CREDIT UNION | 17 | 6.500% | $75,000 | 32.0% |
| Luminate Bank | 17 | 6.624% | $375,000 | 0.0% |
| Frandsen Bank & Trust | 17 | 7.500% | $285,000 | 5.6% |
| Fairway Independent Mortgage Corporation | 17 | 6.490% | $335,000 | 5.6% |
| NEWREZ LLC | 16 | 6.688% | $220,000 | 26.1% |
| SWBC MORTGAGE CORPORATION | 15 | 6.875% | $335,000 | 0.0% |
| NATIONSTAR MORTGAGE LLC | 14 | 8.688% | $65,000 | 16.7% |
| Wings Financial Credit Union | 13 | 7.250% | $105,000 | 22.7% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 13 | 6.625% | $305,000 | 0.0% |
| CMG MORTGAGE, INC. | 12 | 6.995% | $340,000 | 0.0% |
| Summit Mortgage Corporation | 11 | 6.625% | $255,000 | 0.0% |
| EVERETT FINANCIAL, INC. | 11 | 6.750% | $345,000 | 0.0% |
| First State Bank of Wyoming | 11 | Not published | $105,000 | 21.4% |
| FREEDOM MORTGAGE CORPORATION | 10 | 6.375% | $275,000 | 7.7% |
| SPRING EQ, LLC | 10 | 8.525% | $55,000 | 56.5% |
| Alerus Financial, National Association | 10 | 6.688% | $285,000 | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 9 | Under 10 loans | Under 10 loans | 10.0% |
| COMPEER FINANCIAL, FLCA | 8 | Under 10 loans | Under 10 loans | 26.7% |
| Wells Fargo Bank, National Association | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Servion, Inc. | 8 | Under 10 loans | Under 10 loans | 11.1% |
| Deerwood Bank | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Granite Bank | 8 | Under 10 loans | Under 10 loans | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | 7 | Under 10 loans | Under 10 loans | 42.3% |
| Neighborhood National Bank | 7 | Under 10 loans | Under 10 loans | 11.1% |
| LOWER, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| IOWA BANKERS MORTGAGE CORPORATION | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Baxter Credit Union | 7 | Under 10 loans | Under 10 loans | 12.5% |
| PLAZA HOME MORTGAGE, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| 21st Mortgage Corporation | 6 | Under 10 loans | Under 10 loans | 57.1% |
| LAKEVIEW LOAN SERVICING, LLC | 6 | Under 10 loans | Under 10 loans | 50.0% |
| Highland Bank | 6 | Under 10 loans | Under 10 loans | 36.4% |
| Navy Federal Credit Union | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Old National Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| GUILD MORTGAGE COMPANY | 6 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Tradition Mortgage, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Coastal Community Bank | 5 | Under 10 loans | Under 10 loans | 5.3% |
| Bank of America, National Association | 5 | Under 10 loans | Under 10 loans | 37.5% |
| Paramount Residential Mortgage Group, Inc. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Waterstone Mortgage Corporation | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Plains Commerce Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| UNION HOME MORTGAGE CORP. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| BANKWEST, INC. | 4 | Under 10 loans | Under 10 loans | 55.6% |
| Equity Prime Mortgage LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| KIND LENDING, LLC | 4 | Under 10 loans | Under 10 loans | 42.9% |
| JPMorgan Chase Bank, National Association | 4 | Under 10 loans | Under 10 loans | 20.0% |
| WESTCONSIN Credit Union | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Northview Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 3 | Under 10 loans | Under 10 loans | 60.0% |
| FIGURE LENDING LLC | 3 | Under 10 loans | Under 10 loans | 58.3% |
| SOFI BANK, NATIONAL ASSOCIATION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| MOVEMENT MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 14.3% |
| RESICENTRAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| VERIDIAN CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| BMO Bank National Association | 3 | Under 10 loans | Under 10 loans | 25.0% |
| GUARANTEED RATE AFFINITY, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Kiavi Funding, Inc. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Cambria Financial Group, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Genisys Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers & Merchants Savings Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Bremer Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BUILDING TRADES FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Hiawatha National Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 2 | Under 10 loans | Under 10 loans | 80.0% |
| AmeriSave Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 55.6% |
| VILLAGE CAPITAL & INVESTMENT LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| THE LOAN STORE, INC. | 2 | Under 10 loans | Under 10 loans | 40.0% |
| The Federal Savings Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Ixonia Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CITY-COUNTY CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| PNC Bank, National Association | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Luminate Home Loans, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Merchants Bank, National Association | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Barrington Bank & Trust Company, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GO MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Platinum Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Heartland Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| St. Paul Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GENWAY HOME MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SMW Financial Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| National Bank of Commerce | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Florida Capital Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NEW DAY FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 83.3% |
| GoodLeap, LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| First Bank & Trust | 1 | Under 10 loans | Under 10 loans | 50.0% |
| First International Bank & Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| ZILLOW HOME LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MAGNIFI FINANCIAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 33.3% |
| USAA Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| CORTRUST MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Associated Healthcare Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 1 | Under 10 loans | Under 10 loans | 50.0% |
| NexBank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL UNITED MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Empeople Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Watermark Capital, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Expedition Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Resource Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 254900M2C4Q6DATP2889 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Bank Minnesota | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Falcon National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Pioneer Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HomePromise Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL PACIFIC FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Pine River State Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Primis Mortgage Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UNITED MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MEMBER FIRST MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Access Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MLD MORTGAGE INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ST. CLOUD FINANCIAL | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First State Bank and Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens State Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Lake Elmo Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ANDREWS FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| COLLIERS MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| American Heritage National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| T2 FINANCIAL LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LUMENT REAL ESTATE CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Gateway Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FARMERS INSURANCE GROUP FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Bank of Elk River | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Mid-Continent Funding, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Abbott Laboratories Employees Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NOVATION CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CONSUMER REAL ESTATE FINANCE CO. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Valon Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Kensington Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TOWNE MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Magnolia Bank, Incorporated | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Wheaton Bank & Trust, N.A. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Alliance Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Gate City Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bravera Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SUCCESS MORTGAGE PARTNERS, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Minnwest Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GTE Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Funder LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERICAN FINANCING CORPORATION | 0 | Under 10 loans | Under 10 loans | 50.0% |
| LENDINGONE, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Allied First Bank,sb | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Think Mutual Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| AMERICU Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| MILEND, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| Citibank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| Johnson Financial Group | 0 | Under 10 loans | Under 10 loans | 50.0% |
| NBKC BANK | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Connexus Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Citadel Servicing Corporation | 0 | Under 10 loans | Under 10 loans | 0.0% |
| First Alliance Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| LIMA ONE CAPITAL, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| 254900O723MCLR701H50 | 0 | Under 10 loans | Under 10 loans | Not published |
| First National Bank of America | 0 | Under 10 loans | Under 10 loans | 100.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 26 lenders each made 0 or fewer mortgages here, and are counted in the totals above.
Bank branches in Chisago County
9 FDIC-insured branches from 7 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| First Resource Bank | 3 | $262.0 million |
| Associated Bank, National Association | 1 | $134.9 million |
| Nicolet National Bank | 1 | $103.3 million |
| U.S. Bank National Association | 1 | $103.1 million |
| Unity Bank | 1 | $71.6 million |
| Security State Bank of Marine | 1 | $57.6 million |
| Neighborhood National Bank | 1 | $48.5 million |
Closed since the 2025 survey
3 branches in the 2025 survey have no 2026 row: closed, sold, or moved.
- First State Bank of Wyoming, 26741 Felton Ave, Wyoming
- First State Bank of Wyoming, 6115 Stacy Trl, Stacy
- MidWestOne Bank, 11151 Lake Blvd, Chisago City
Get told when this changes
When the next year’s lending figures are out for Chisago County, or a lender arrives or leaves.
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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. Branches and deposits come from the FDIC Summary of Deposits as of 30 June 2026, and bank balance sheets from the FDIC institutions directory. 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.