Mortgage lenders in Polk County
583 mortgages were made in Polk County, Minnesota, in 2025, by 109 lenders. The median rate their borrowers got was 6.625% on a median loan of $165,000. Of 698 decisions, 100 were denials — 14.3%, most often for credit history.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Gate City Bank | 48 | 7.295% | $65,000 | 22.6% |
| Old National Bank | 45 | 6.500% | $175,000 | 11.8% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 42 | 6.432% | $255,000 | 8.7% |
| Rocket Mortgage, LLC | 38 | 6.813% | $150,000 | 15.6% |
| Frandsen Bank & Trust | 35 | 6.750% | $125,000 | 0.0% |
| FIRST HOLDING COMPANY OF CAVALIER, INC. | 35 | Not published | $125,000 | 2.8% |
| Ultima Bank Minnesota | 27 | Not published | $95,000 | 3.6% |
| FIRST COMMUNITY CREDIT UNION | 22 | 6.495% | $75,000 | 8.3% |
| American Federal Bank | 21 | Not published | $195,000 | 14.8% |
| First International Bank & Trust | 20 | 6.813% | $190,000 | 9.1% |
| Alerus Financial, National Association | 19 | 6.865% | $185,000 | 4.8% |
| Bremer Bank, National Association | 15 | 8.800% | $145,000 | 6.3% |
| Granite Bank | 14 | 6.125% | $115,000 | 6.7% |
| Mortgage Research Center, LLC | 13 | 6.250% | $225,000 | 23.5% |
| The First National Bank of Bagley | 11 | Not published | $115,000 | 8.3% |
| Nations Lending Corporation | 11 | 6.750% | $165,000 | 0.0% |
| Barrington Bank & Trust Company, National Association | 10 | 6.250% | $265,000 | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 10 | 7.000% | $170,000 | 16.7% |
| Dakota Heritage Bank | 10 | Not published | $85,000 | 9.1% |
| U.S. Bank National Association | 8 | Under 10 loans | Under 10 loans | 57.9% |
| AFFINITY PLUS | 7 | Under 10 loans | Under 10 loans | 12.5% |
| FREEDOM MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 33.3% |
| Merchants Bank, National Association | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Wells Fargo Bank, National Association | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Coastal Community Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Navy Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 33.3% |
| Broker Solutions, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Bank, National Association | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Choice Financial Group | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Tradition Mortgage, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Loandepot.Com, LLC | 3 | Under 10 loans | Under 10 loans | 20.0% |
| Border Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Bank Forward | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Bell Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| GoodLeap, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| KODABANK | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FIGURE LENDING LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| TRUSTONE FINANCIAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Florida Capital Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 2 | Under 10 loans | Under 10 loans | 50.0% |
| PENNYMAC LOAN SERVICES, LLC | 2 | Under 10 loans | Under 10 loans | 25.0% |
| 21st Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Farm Credit Mid-America | 2 | Under 10 loans | Under 10 loans | 33.3% |
| PENTAGON FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| PLANET HOME LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Unity Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Fairway Independent Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| NEWREZ LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| BETTER MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Cambria Financial Group, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Huntington National Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| ZILLOW HOME LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| National Bank of Commerce | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Libertyville Bank & Trust Company, N.A. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AgCountry Farm Credit Services, FLCA | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Western State Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TOWN AND COUNTRY Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST UNITED BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MOVEMENT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CMG MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MAGNIFI FINANCIAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Stride Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Village Bank and Trust, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VALLEY MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First State Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Magnolia Bank, Incorporated | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LOWER, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Dakota National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NBH Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CAPITAL | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EVERETT FINANCIAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PNC Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Associated Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 0 | Under 10 loans | Under 10 loans | Not published |
| NEW DAY FINANCIAL, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| AmeriSave Mortgage Corporation | 0 | Under 10 loans | Under 10 loans | 100.0% |
| SPRING EQ, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| KIND LENDING, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| A&D Mortgage LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERIHOME MORTGAGE COMPANY, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Loan Funder LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Click n' Close, Inc. | 0 | Under 10 loans | Under 10 loans | Not published |
| DOMINION FINANCIAL SERVICES, LLC | 0 | Under 10 loans | Under 10 loans | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | 0 | Under 10 loans | Under 10 loans | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| LoanUnited.com, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Blaze Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| Genisys Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| TOWNE MORTGAGE COMPANY | 0 | Under 10 loans | Under 10 loans | Not published |
| Highland Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| ROYAL UNITED MORTGAGE LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| SKYONE Federal Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| PIKE CREEK MORTGAGE SERVICES, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| IMAGINE HOME LENDING, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| JPMorgan Chase Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| NATIONSTAR MORTGAGE LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| WEST GATE BANK | 0 | Under 10 loans | Under 10 loans | Not published |
| VILLAGE CAPITAL & INVESTMENT LLC | 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 Polk County
14 FDIC-insured branches from 10 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| American Federal Bank | 3 | $190.4 million |
| Ultima Bank Minnesota | 3 | $186.0 million |
| Old National Bank | 1 | $191.7 million |
| Frandsen Bank & Trust | 1 | $145.2 million |
| United Valley Bank | 1 | $109.9 million |
| Red River State Bank | 1 | $41.2 million |
| The First National Bank of McIntosh | 1 | $37.4 million |
| American State Bank of Grygla | 1 | $35.1 million |
| Unity Bank | 1 | $32.2 million |
| The First National Bank of Bagley | 1 | $26.8 million |
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When the next year’s lending figures are out for Polk 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.