Home purchase lenders in Dakota County
5,822 home purchase mortgages were made in Dakota County, Minnesota, in 2025, by 342 lenders. The median rate their borrowers got was 6.500% on a median loan of $325,000. Of 6,566 decisions, 576 were denials — 8.8%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Bell Bank | 411 | 6.625% | $335,000 | 0.7% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 315 | 6.624% | $355,000 | 7.3% |
| LENNAR MORTGAGE, LLC | 222 | 5.750% | $405,000 | 3.5% |
| Prosperity Home Mortgage, LLC | 206 | 6.625% | $315,000 | 1.9% |
| Fairway Independent Mortgage Corporation | 198 | 6.750% | $300,000 | 1.5% |
| CROSSCOUNTRY MORTGAGE, INC. | 192 | 6.625% | $325,000 | 1.0% |
| Rocket Mortgage, LLC | 184 | 6.500% | $315,000 | 6.1% |
| DHI MORTGAGE COMPANY, LTD. | 145 | 5.500% | $415,000 | 4.6% |
| Royal Credit Union | 144 | 6.500% | $285,000 | 3.3% |
| U.S. Bank National Association | 142 | 6.625% | $315,000 | 12.7% |
| Wings Financial Credit Union | 137 | 6.250% | $345,000 | 3.7% |
| Luminate Bank | 122 | 6.625% | $315,000 | 0.8% |
| GUARANTEED RATE, INC. | 112 | 6.495% | $305,000 | 0.9% |
| Tradition Mortgage, LLC | 107 | 6.500% | $355,000 | 0.9% |
| Granite Bank | 98 | 6.625% | $300,000 | 3.0% |
| Broker Solutions, Inc. | 93 | 6.625% | $315,000 | 6.1% |
| Wells Fargo Bank, National Association | 92 | 6.500% | $275,000 | 14.8% |
| TRUSTONE FINANCIAL CREDIT UNION | 90 | 6.625% | $305,000 | 6.0% |
| PENNYMAC LOAN SERVICES, LLC | 90 | 6.499% | $345,000 | 6.2% |
| Loandepot.Com, LLC | 89 | 6.625% | $275,000 | 6.3% |
| GUARANTEED RATE AFFINITY, LLC | 84 | 6.625% | $290,000 | 0.0% |
| Mortgage Research Center, LLC | 79 | 6.250% | $315,000 | 2.4% |
| PULTE MORTGAGE LLC | 78 | 6.000% | $375,000 | 11.4% |
| M/I FINANCIAL, LLC | 78 | 5.875% | $390,000 | 1.2% |
| GUILD MORTGAGE COMPANY | 70 | 6.750% | $325,000 | 0.0% |
| Cambria Financial Group, LLC | 69 | 6.375% | $335,000 | 1.4% |
| CMG MORTGAGE, INC. | 66 | 6.750% | $265,000 | 4.3% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 66 | 6.500% | $280,000 | 1.5% |
| Merchants Bank, National Association | 57 | 6.150% | $265,000 | 1.7% |
| Alerus Financial, National Association | 55 | 6.625% | $295,000 | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 52 | 6.625% | $325,000 | 3.7% |
| EVERETT FINANCIAL, INC. | 47 | 6.875% | $305,000 | 4.1% |
| MOVEMENT MORTGAGE, LLC | 44 | 6.750% | $300,000 | 2.0% |
| Old National Bank | 44 | 6.500% | $295,000 | 0.0% |
| The Huntington National Bank | 42 | 6.625% | $365,000 | 2.3% |
| Summit Mortgage Corporation | 41 | 6.750% | $305,000 | 4.4% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 39 | 6.875% | $255,000 | 0.0% |
| Associated Bank, National Association | 38 | 6.250% | $320,000 | 13.6% |
| 21st Mortgage Corporation | 37 | 11.070% | $65,000 | 76.8% |
| AFFINITY PLUS | 36 | 6.438% | $305,000 | 5.3% |
| GUIDANCE RESIDENTIAL, LLC | 33 | 6.875% | $335,000 | 5.6% |
| Home Mortgage Alliance Corporation (HMAC) | 32 | 6.875% | $390,000 | 25.6% |
| JPMorgan Chase Bank, National Association | 31 | 6.625% | $345,000 | 20.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 31 | 6.875% | $315,000 | 0.0% |
| New Market Bank | 30 | Not published | $295,000 | 0.0% |
| Deerwood Bank | 30 | 6.875% | $480,000 | 3.2% |
| SWBC MORTGAGE CORPORATION | 29 | 6.500% | $275,000 | 0.0% |
| KIND LENDING, LLC | 28 | 6.688% | $420,000 | 14.7% |
| PLAZA HOME MORTGAGE, INC. | 28 | 6.375% | $260,000 | 6.7% |
| Blaze Credit Union | 27 | 6.375% | $285,000 | 2.9% |
| MASON MCDUFFIE MORTGAGE CORPORATION | 26 | 6.625% | $330,000 | 0.0% |
| RESICENTRAL, LLC | 25 | 6.625% | $325,000 | 3.7% |
| NEWREZ LLC | 25 | 6.500% | $335,000 | 3.9% |
| TRIAD FINANCIAL SERVICES, INC. | 24 | 9.325% | $75,000 | 61.4% |
| UIF CORPORATION | 24 | 6.625% | $395,000 | 11.1% |
| UNION HOME MORTGAGE CORP. | 23 | 6.875% | $285,000 | 8.0% |
| Plains Commerce Bank | 22 | 6.438% | $380,000 | 4.4% |
| ZILLOW HOME LOANS, LLC | 22 | 6.563% | $270,000 | 11.5% |
| Waterstone Mortgage Corporation | 21 | 6.875% | $285,000 | 8.7% |
| Sunrise Banks, National Association | 21 | Not published | $245,000 | 16.0% |
| PREMIER LENDING, INC. | 21 | 6.625% | $285,000 | 0.0% |
| Navy Federal Credit Union | 20 | 5.750% | $345,000 | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 20 | 6.625% | $300,000 | 0.0% |
| Bank of America, National Association | 19 | 6.250% | $325,000 | 20.8% |
| Servion, Inc. | 19 | 6.250% | $325,000 | 0.0% |
| BAY EQUITY LLC | 19 | 6.875% | $375,000 | 0.0% |
| Vermillion State Bank | 19 | Not published | $295,000 | 0.0% |
| Bridgewater Bank | 18 | Not published | $235,000 | 5.0% |
| Think Mutual Bank | 17 | 6.500% | $425,000 | 10.5% |
| Kiavi Funding, Inc. | 17 | 9.750% | $265,000 | 10.0% |
| PLANET HOME LENDING, LLC | 17 | 6.875% | $295,000 | 0.0% |
| A&D Mortgage LLC | 16 | 6.490% | $350,000 | 5.9% |
| LOWER, LLC | 16 | 6.433% | $285,000 | 0.0% |
| IDEAL Credit Union | 15 | 5.500% | $195,000 | 5.9% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 14 | 6.375% | $355,000 | 0.0% |
| NexBank | 14 | 6.563% | $320,000 | 6.7% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 13 | 6.500% | $355,000 | 7.1% |
| VERIDIAN CREDIT UNION | 13 | 6.875% | $235,000 | 0.0% |
| Barrington Bank & Trust Company, National Association | 13 | 6.500% | $265,000 | 7.1% |
| TOPLINE FINANCIAL CREDIT UNION | 13 | 6.125% | $325,000 | 7.1% |
| USAA Federal Savings Bank | 12 | 6.500% | $365,000 | 53.8% |
| Baxter Credit Union | 12 | 5.875% | $405,000 | 0.0% |
| Castle Rock Bank | 12 | Not published | $305,000 | 0.0% |
| First Bank & Trust | 12 | 6.375% | $250,000 | 0.0% |
| Tomo Mortgage, LLC | 11 | 6.125% | $345,000 | 7.7% |
| GO MORTGAGE, LLC | 11 | 6.875% | $365,000 | 0.0% |
| MEGASTAR FINANCIAL CORP. | 11 | 6.750% | $375,000 | 0.0% |
| CITY-COUNTY CREDIT UNION | 11 | 6.240% | $405,000 | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 11 | 6.625% | $375,000 | 8.3% |
| Ixonia Bank | 11 | 6.875% | $305,000 | 0.0% |
| Luminate Home Loans, Inc. | 10 | 6.813% | $255,000 | 0.0% |
| First Federal Bank | 9 | Under 10 loans | Under 10 loans | 25.0% |
| Citizens Bank Minnesota | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Frandsen Bank & Trust | 9 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 9 | Under 10 loans | Under 10 loans | 10.0% |
| NATIONSTAR MORTGAGE LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Minnwest Bank | 9 | Under 10 loans | Under 10 loans | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 8 | Under 10 loans | Under 10 loans | 0.0% |
| MLD MORTGAGE INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| MY Credit Union | 8 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 8 | Under 10 loans | Under 10 loans | 0.0% |
| THE LOAN STORE, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| CONSUMER REAL ESTATE FINANCE CO. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 7 | Under 10 loans | Under 10 loans | 0.0% |
| FREEDOM MORTGAGE CORPORATION | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Lakeview Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Florida Capital Bank, National Association | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Lake Elmo Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| SUCCESS MORTGAGE PARTNERS, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| BMO Bank National Association | 6 | Under 10 loans | Under 10 loans | 33.3% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Synergy One Lending, Inc. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Devon Bank | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Drake Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Bremer Bank, National Association | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Morgan Stanley Private Bank, National Association | 5 | Under 10 loans | Under 10 loans | 0.0% |
| PNC Bank, National Association | 5 | Under 10 loans | Under 10 loans | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Alliance Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| MidWestOne Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| BoxCar Mortgage, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| BANKWEST, INC. | 4 | Under 10 loans | Under 10 loans | 92.5% |
| BETTER MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 33.3% |
| First State Bank and Trust | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SIRVA MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NBKC BANK | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Arbor Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SHAREPOINT CREDIT UNION | 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% |
| Park State Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| University of Wisconsin Credit Union | 4 | Under 10 loans | Under 10 loans | 0.0% |
| BankCherokee | 4 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| COMPEER FINANCIAL, FLCA | 4 | Under 10 loans | Under 10 loans | 0.0% |
| National Bank of Commerce | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Genisys Credit Union | 3 | Under 10 loans | Under 10 loans | 20.0% |
| Coulee Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Truist Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| First Independence Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| HomeTown Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Summit Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CorTrust Bank National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| St. Paul Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| STAR ONE Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Primis Mortgage Company | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BPL MORTGAGE TRUST, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Community Resource Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens State Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| The Federal Savings Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| UBS Bank USA | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMWEST FUNDING CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Gate City Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTHPOINT FINANCIAL | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| The First National Bank of River Falls | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| CHAMPIONS FUNDING, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| First Alliance Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MICHIGAN MUTUAL, INC. | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Highland Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| WNB FINANCIAL, N.A. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Platinum Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Magnolia Bank, Incorporated | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CORTRUST MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Midwest Heritage Bank, FSB | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Strong Home Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| WESTCONSIN Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ALAMEDA MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Click n' Close, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Western Bank & Trust | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LAND HOME FINANCIAL SERVICES, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Simple, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ALTRA Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First State Bank of St. Charles, Missouri | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE ACCESS CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ENVOY MORTGAGE, LTD | 2 | Under 10 loans | Under 10 loans | 0.0% |
| North American Savings Bank, F.S.B. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Academy Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Security State Bank of Marine | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Northwest Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Texana Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Farmers & Merchants Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The State Bank of Faribault | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SECURITYNATIONAL MORTGAGE COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Citibank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Citadel Servicing Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| OCMBC, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| DIGITAL | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GoPrime Mortgage, Inc. | 1 | 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 142 lenders each made 1 or fewer mortgages here, and are counted in the totals above.
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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.