Mortgage lenders in Dakota County
10,299 mortgages were made in Dakota County, Minnesota, in 2025, by 438 lenders. The median rate their borrowers got was 6.625% on a median loan of $255,000. Of 13,085 decisions, 2,268 were denials — 17.3%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Wings Financial Credit Union | 534 | 7.250% | $105,000 | 14.0% |
| Bell Bank | 526 | 6.625% | $305,000 | 7.3% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 508 | 6.500% | $335,000 | 12.2% |
| TRUSTONE FINANCIAL CREDIT UNION | 473 | 7.250% | $105,000 | 21.8% |
| Rocket Mortgage, LLC | 451 | 6.625% | $255,000 | 16.8% |
| U.S. Bank National Association | 416 | 8.150% | $155,000 | 39.2% |
| AFFINITY PLUS | 317 | 6.625% | $75,000 | 19.9% |
| CROSSCOUNTRY MORTGAGE, INC. | 234 | 6.625% | $320,000 | 1.3% |
| Fairway Independent Mortgage Corporation | 233 | 6.625% | $305,000 | 4.8% |
| LENNAR MORTGAGE, LLC | 222 | 5.750% | $405,000 | 3.5% |
| Prosperity Home Mortgage, LLC | 218 | 6.625% | $325,000 | 3.1% |
| Royal Credit Union | 213 | 6.750% | $215,000 | 14.0% |
| The Huntington National Bank | 182 | 7.640% | $125,000 | 34.2% |
| Blaze Credit Union | 180 | 6.375% | $105,000 | 11.6% |
| PENNYMAC LOAN SERVICES, LLC | 166 | 6.375% | $345,000 | 11.5% |
| Loandepot.Com, LLC | 158 | 6.625% | $245,000 | 14.1% |
| DHI MORTGAGE COMPANY, LTD. | 145 | 5.500% | $415,000 | 4.6% |
| Wells Fargo Bank, National Association | 142 | 6.375% | $245,000 | 21.1% |
| GUARANTEED RATE, INC. | 142 | 6.483% | $305,000 | 2.7% |
| Tradition Mortgage, LLC | 140 | 6.625% | $355,000 | 0.7% |
| Luminate Bank | 135 | 6.625% | $315,000 | 1.4% |
| Old National Bank | 118 | 6.250% | $185,000 | 19.9% |
| Broker Solutions, Inc. | 116 | 6.625% | $295,000 | 12.8% |
| Merchants Bank, National Association | 115 | 5.990% | $175,000 | 5.0% |
| Granite Bank | 110 | 6.625% | $325,000 | 6.0% |
| Mortgage Research Center, LLC | 91 | 6.250% | $315,000 | 20.7% |
| GUARANTEED RATE AFFINITY, LLC | 90 | 6.625% | $295,000 | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 88 | 6.500% | $265,000 | 4.4% |
| NATIONSTAR MORTGAGE LLC | 87 | 8.500% | $115,000 | 11.2% |
| GUILD MORTGAGE COMPANY | 87 | 6.750% | $325,000 | 0.0% |
| Alerus Financial, National Association | 84 | 6.750% | $285,000 | 4.5% |
| IDEAL Credit Union | 82 | 4.490% | $105,000 | 31.8% |
| CMG MORTGAGE, INC. | 80 | 6.625% | $275,000 | 4.6% |
| FREEDOM MORTGAGE CORPORATION | 79 | 6.250% | $345,000 | 9.0% |
| PULTE MORTGAGE LLC | 79 | 6.000% | $375,000 | 11.2% |
| M/I FINANCIAL, LLC | 78 | 5.875% | $390,000 | 1.2% |
| Cambria Financial Group, LLC | 73 | 6.375% | $335,000 | 1.4% |
| Deerwood Bank | 70 | 7.250% | $165,000 | 2.7% |
| Vermillion State Bank | 70 | Not published | $135,000 | 0.0% |
| Think Mutual Bank | 65 | 6.890% | $75,000 | 18.8% |
| Associated Bank, National Association | 63 | 6.500% | $215,000 | 34.4% |
| NEWREZ LLC | 61 | 6.500% | $325,000 | 28.4% |
| JPMorgan Chase Bank, National Association | 60 | 6.625% | $295,000 | 18.4% |
| FIGURE LENDING LLC | 54 | 8.550% | $65,000 | 16.3% |
| Paramount Residential Mortgage Group, Inc. | 54 | 6.625% | $325,000 | 3.6% |
| EVERETT FINANCIAL, INC. | 52 | 6.875% | $315,000 | 5.5% |
| MOVEMENT MORTGAGE, LLC | 51 | 6.625% | $305,000 | 1.7% |
| Bank of America, National Association | 50 | 6.370% | $145,000 | 44.0% |
| Summit Mortgage Corporation | 48 | 6.750% | $310,000 | 10.7% |
| BMO Bank National Association | 46 | 8.705% | $105,000 | 41.3% |
| VERIDIAN CREDIT UNION | 45 | 6.740% | $125,000 | 9.4% |
| Coastal Community Bank | 44 | 9.740% | $45,000 | 0.0% |
| SPRING EQ, LLC | 44 | 8.988% | $65,000 | 61.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 43 | 6.750% | $255,000 | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 41 | 6.625% | $315,000 | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 41 | 6.125% | $265,000 | 6.8% |
| TOPLINE FINANCIAL CREDIT UNION | 41 | 5.990% | $125,000 | 10.9% |
| New Market Bank | 39 | Not published | $295,000 | 0.0% |
| 21st Mortgage Corporation | 38 | 11.230% | $65,000 | 77.0% |
| Highland Bank | 36 | Not published | $75,000 | 9.8% |
| Navy Federal Credit Union | 35 | 6.250% | $265,000 | 18.2% |
| GUIDANCE RESIDENTIAL, LLC | 34 | 6.875% | $330,000 | 5.4% |
| UNION HOME MORTGAGE CORP. | 33 | 6.563% | $295,000 | 5.7% |
| Home Mortgage Alliance Corporation (HMAC) | 32 | 6.875% | $390,000 | 25.6% |
| SWBC MORTGAGE CORPORATION | 32 | 6.500% | $280,000 | 0.0% |
| Genisys Credit Union | 31 | 7.250% | $85,000 | 27.1% |
| KIND LENDING, LLC | 30 | 6.688% | $420,000 | 22.5% |
| RESICENTRAL, LLC | 29 | 6.625% | $315,000 | 3.1% |
| MASON MCDUFFIE MORTGAGE CORPORATION | 29 | 6.500% | $335,000 | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 28 | 7.265% | $125,000 | 9.7% |
| CITY-COUNTY CREDIT UNION | 28 | 6.683% | $160,000 | 13.9% |
| Castle Rock Bank | 28 | Not published | $215,000 | 0.0% |
| Heartland Credit Union | 26 | 7.240% | $50,000 | 20.6% |
| Waterstone Mortgage Corporation | 26 | 6.875% | $295,000 | 7.1% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 25 | 6.625% | $295,000 | 0.0% |
| Sunrise Banks, National Association | 25 | Not published | $265,000 | 13.8% |
| TRIAD FINANCIAL SERVICES, INC. | 24 | 9.325% | $75,000 | 61.6% |
| Barrington Bank & Trust Company, National Association | 24 | 6.495% | $250,000 | 11.1% |
| UIF CORPORATION | 24 | 6.625% | $395,000 | 11.1% |
| Frandsen Bank & Trust | 23 | 6.500% | $135,000 | 7.7% |
| Baxter Credit Union | 23 | 6.750% | $225,000 | 6.3% |
| Minnwest Bank | 23 | 7.400% | $205,000 | 11.5% |
| Associated Healthcare Credit Union | 23 | 6.750% | $65,000 | 0.0% |
| Plains Commerce Bank | 22 | 6.438% | $380,000 | 12.0% |
| LOWER, LLC | 22 | 6.375% | $310,000 | 15.4% |
| ZILLOW HOME LOANS, LLC | 22 | 6.563% | $270,000 | 11.5% |
| PLANET HOME LENDING, LLC | 22 | 6.875% | $290,000 | 4.4% |
| Servion, Inc. | 21 | 6.250% | $325,000 | 0.0% |
| PREMIER LENDING, INC. | 21 | 6.625% | $285,000 | 0.0% |
| GoodLeap, LLC | 20 | 8.475% | $65,000 | 6.9% |
| BAY EQUITY LLC | 20 | 6.933% | $365,000 | 0.0% |
| A&D Mortgage LLC | 19 | 6.490% | $345,000 | 5.0% |
| Bridgewater Bank | 19 | Not published | $235,000 | 13.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 18 | 6.375% | $380,000 | 10.0% |
| First Bank & Trust | 18 | 6.563% | $235,000 | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 17 | 6.125% | $305,000 | 59.0% |
| Kiavi Funding, Inc. | 17 | 9.750% | $265,000 | 10.0% |
| Discover Bank | 16 | 9.335% | $65,000 | 76.5% |
| CARRINGTON MORTGAGE SERVICES, LLC | 16 | 6.375% | $255,000 | 48.8% |
| USAA Federal Savings Bank | 16 | 6.500% | $365,000 | 48.4% |
| Expedition Credit Union | 16 | 7.500% | $65,000 | 5.9% |
| MidWestOne Bank | 16 | 5.990% | $130,000 | 20.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 16 | 6.313% | $355,000 | 0.0% |
| NexBank | 16 | 6.563% | $320,000 | 5.9% |
| Ixonia Bank | 16 | 6.875% | $330,000 | 0.0% |
| AmeriSave Mortgage Corporation | 15 | 7.375% | $165,000 | 67.4% |
| Citizens Bank, National Association | 15 | 7.900% | $185,000 | 11.8% |
| MEGASTAR FINANCIAL CORP. | 14 | 6.750% | $390,000 | 0.0% |
| Lakeview Bank | 13 | Not published | $235,000 | 0.0% |
| BETTER MORTGAGE CORPORATION | 12 | 6.625% | $235,000 | 50.0% |
| Citizens Bank Minnesota | 12 | Not published | $340,000 | 0.0% |
| Luminate Home Loans, Inc. | 12 | 6.688% | $290,000 | 0.0% |
| THE LOAN STORE, INC. | 12 | 6.625% | $365,000 | 7.7% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 11 | 5.805% | $455,000 | 0.0% |
| Tomo Mortgage, LLC | 11 | 6.125% | $345,000 | 7.7% |
| SHAREPOINT CREDIT UNION | 11 | 7.375% | $105,000 | 7.7% |
| GO MORTGAGE, LLC | 11 | 6.875% | $365,000 | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 11 | 6.625% | $375,000 | 7.7% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 11 | 6.750% | $295,000 | 8.3% |
| CONSUMER REAL ESTATE FINANCE CO. | 11 | 6.750% | $295,000 | 15.4% |
| HOMEXPRESS MORTGAGE CORP. | 11 | 7.875% | $295,000 | 0.0% |
| PNC Bank, National Association | 10 | 6.750% | $235,000 | 35.3% |
| First Federal Bank | 10 | 6.188% | $430,000 | 23.1% |
| Bremer Bank, National Association | 10 | 7.000% | $405,000 | 23.1% |
| ALTRA Federal Credit Union | 10 | 6.370% | $80,000 | 23.1% |
| MY Credit Union | 10 | 6.688% | $240,000 | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 9 | Under 10 loans | Under 10 loans | 10.0% |
| SUCCESS MORTGAGE PARTNERS, INC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| NEW DAY FINANCIAL, LLC | 8 | Under 10 loans | Under 10 loans | 46.7% |
| Third Federal Savings and Loan Association of Cleveland | 8 | Under 10 loans | Under 10 loans | 25.0% |
| PENTAGON FEDERAL CREDIT UNION | 8 | Under 10 loans | Under 10 loans | 38.5% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Florida Capital Bank, National Association | 8 | Under 10 loans | Under 10 loans | 18.2% |
| WESTCONSIN Credit Union | 8 | Under 10 loans | Under 10 loans | 20.0% |
| MLD MORTGAGE INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| University of Wisconsin Credit Union | 8 | Under 10 loans | Under 10 loans | 11.1% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Lake Elmo Bank | 8 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 7 | Under 10 loans | Under 10 loans | 54.6% |
| Equity Prime Mortgage LLC | 7 | Under 10 loans | Under 10 loans | 12.5% |
| AMERIHOME MORTGAGE COMPANY, LLC | 7 | Under 10 loans | Under 10 loans | 11.1% |
| Nations Lending Corporation | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Valon Mortgage, Inc. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Synergy One Lending, Inc. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Drake Bank | 7 | Under 10 loans | Under 10 loans | 12.5% |
| First Farmers & Merchants Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| DIGITAL | 6 | Under 10 loans | Under 10 loans | 22.2% |
| St. Paul Federal Credit Union | 6 | Under 10 loans | Under 10 loans | 33.3% |
| Truist Bank | 6 | Under 10 loans | Under 10 loans | 33.3% |
| SUN WEST MORTGAGE COMPANY, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| HOMESTEAD FUNDING CORP. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Gate City Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Alliance Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Devon Bank | 6 | Under 10 loans | Under 10 loans | 14.3% |
| NOVATION CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| BoxCar Mortgage, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| BANKWEST, INC. | 5 | Under 10 loans | Under 10 loans | 90.7% |
| 254900M2C4Q6DATP2889 | 5 | Under 10 loans | Under 10 loans | 37.5% |
| The Federal Savings Bank | 5 | Under 10 loans | Under 10 loans | 28.6% |
| Flagstar Bank, N.A. | 5 | Under 10 loans | Under 10 loans | 50.0% |
| PHH Mortgage Corporation | 5 | Under 10 loans | Under 10 loans | 0.0% |
| NBKC BANK | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 5 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Arbor Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| National Bank of Commerce | 5 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTH METRO FEDERAL CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| STAR ONE Credit Union | 5 | Under 10 loans | Under 10 loans | 0.0% |
| COMPEER FINANCIAL, FLCA | 5 | Under 10 loans | Under 10 loans | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| The First National Bank of River Falls | 5 | Under 10 loans | Under 10 loans | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 4 | Under 10 loans | Under 10 loans | 33.3% |
| First Alliance Credit Union | 4 | Under 10 loans | Under 10 loans | 33.3% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 4 | Under 10 loans | Under 10 loans | 42.9% |
| HomeTown Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| First State Bank and Trust | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SIRVA MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| American National Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CorTrust Bank National Association | 4 | Under 10 loans | Under 10 loans | 20.0% |
| FIRST COLONY MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Premia Mortgage, LLC DBA Premia Relocation Mortgage | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ONY GLO, INC. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| ALLIED MORTGAGE GROUP, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Park State Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CORTRUST MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| BankCherokee | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Primis Mortgage Company | 4 | Under 10 loans | Under 10 loans | 0.0% |
| BPL MORTGAGE TRUST, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Gateway Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMWEST FUNDING CORP. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTHPOINT FINANCIAL | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Connexus Credit Union | 3 | Under 10 loans | Under 10 loans | 57.1% |
| Coulee Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Summit Credit Union | 3 | Under 10 loans | Under 10 loans | 25.0% |
| MAYO EMPLOYEES FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 50.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 238 lenders each made 3 or fewer mortgages here, and are counted in the totals above.
Bank branches in Dakota County
86 FDIC-insured branches from 32 banks, as of 30 June 2026, with the deposits held at them.
Closed since the 2025 survey
4 branches in the 2025 survey have no 2026 row: closed, sold, or moved.
- 21st Century Bank, 991 Sibley Memorial Hwy, Saint Paul
- Alerus Financial, National Association, 2805 Dodd Rd, Ste 160, Eagan
- BMO Bank National Association, 17636 Kenwood Trl, Lakeville
- MidWestOne Bank, 930 Southview Blvd, South Saint Paul
Get told when this changes
When the next year’s lending figures are out for Dakota 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.