Mortgage lenders in Kittson County
50 mortgages were made in Kittson County, Minnesota, in 2025, by 33 lenders. The median rate their borrowers got was 6.490% on a median loan of $100,000. Of 62 decisions, 11 were denials — 17.7%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Border Bank | 10 | Not published | $60,000 | 0.0% |
| American Federal Bank | 8 | Under 10 loans | Under 10 loans | 18.2% |
| Broker Solutions, Inc. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| FIRST HOLDING COMPANY OF CAVALIER, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| KODABANK | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Merchants Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTHPOINT FINANCIAL | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Empeople Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Mortgage Research Center, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Rocket Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| NATIONSTAR MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Dakota Heritage Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Navy Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Wings Financial Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Fairway Independent Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MASON MCDUFFIE MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Frandsen Bank & Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PENNYMAC LOAN SERVICES, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| FIRST COMMUNITY CREDIT UNION | 0 | Under 10 loans | Under 10 loans | Not published |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| FREEDOM MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| AFFINITY PLUS | 0 | Under 10 loans | Under 10 loans | 100.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| CONSUMER REAL ESTATE FINANCE CO. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Gate City Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| 21st Mortgage Corporation | 0 | Under 10 loans | Under 10 loans | Not published |
| Bank of America, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| DATA MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| Citizens Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| Fifth Third Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials.
Bank branches in Kittson County
5 FDIC-insured branches from 4 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| United Valley Bank | 2 | $99.2 million |
| American Federal Bank | 1 | $61.8 million |
| Prime Security Bank | 1 | $42.1 million |
| KodaBank | 1 | $16.1 million |
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When the next year’s lending figures are out for Kittson 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.