Home purchase lenders in Scott County
2,067 home purchase mortgages were made in Scott County, Minnesota, in 2025, by 237 lenders. The median rate their borrowers got was 6.500% on a median loan of $365,000. Of 2,321 decisions, 191 were denials — 8.2%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Bell Bank | 157 | 6.490% | $385,000 | 0.6% |
| DHI MORTGAGE COMPANY, LTD. | 95 | 5.500% | $435,000 | 9.4% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 93 | 6.500% | $365,000 | 5.1% |
| LENNAR MORTGAGE, LLC | 85 | 5.625% | $405,000 | 3.4% |
| Fairway Independent Mortgage Corporation | 81 | 6.625% | $365,000 | 4.7% |
| Rocket Mortgage, LLC | 65 | 6.500% | $345,000 | 10.8% |
| CROSSCOUNTRY MORTGAGE, INC. | 64 | 6.625% | $355,000 | 3.0% |
| Prosperity Home Mortgage, LLC | 57 | 6.625% | $305,000 | 3.3% |
| M/I FINANCIAL, LLC | 50 | 5.875% | $425,000 | 1.6% |
| Granite Bank | 47 | 6.625% | $335,000 | 0.0% |
| U.S. Bank National Association | 42 | 6.563% | $365,000 | 17.7% |
| Wells Fargo Bank, National Association | 42 | 6.438% | $350,000 | 10.6% |
| Broker Solutions, Inc. | 41 | 6.750% | $335,000 | 0.0% |
| Tradition Mortgage, LLC | 41 | 6.750% | $465,000 | 0.0% |
| Wings Financial Credit Union | 40 | 6.250% | $370,000 | 11.1% |
| Luminate Bank | 40 | 6.495% | $330,000 | 0.0% |
| TRUSTONE FINANCIAL CREDIT UNION | 38 | 6.625% | $335,000 | 9.1% |
| EVERETT FINANCIAL, INC. | 32 | 6.875% | $345,000 | 3.0% |
| PENNYMAC LOAN SERVICES, LLC | 31 | 6.499% | $385,000 | 13.9% |
| GUARANTEED RATE, INC. | 30 | 6.513% | $295,000 | 8.8% |
| Frandsen Bank & Trust | 29 | 6.375% | $435,000 | 6.5% |
| Cambria Financial Group, LLC | 28 | 6.500% | $410,000 | 3.5% |
| Old National Bank | 25 | 6.375% | $305,000 | 16.7% |
| Royal Credit Union | 24 | 6.500% | $280,000 | 0.0% |
| Alerus Financial, National Association | 24 | 6.563% | $365,000 | 0.0% |
| New Market Bank | 23 | Not published | $375,000 | 4.2% |
| GUARANTEED RATE AFFINITY, LLC | 22 | 6.463% | $280,000 | 18.5% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 22 | 6.495% | $370,000 | 0.0% |
| GUILD MORTGAGE COMPANY | 21 | 6.750% | $365,000 | 0.0% |
| PULTE MORTGAGE LLC | 19 | 6.000% | $295,000 | 9.5% |
| GUIDANCE RESIDENTIAL, LLC | 19 | 7.000% | $395,000 | 0.0% |
| Mortgage Research Center, LLC | 17 | 6.250% | $385,000 | 19.1% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 17 | 6.625% | $335,000 | 0.0% |
| Summit Mortgage Corporation | 16 | 6.625% | $320,000 | 0.0% |
| Loandepot.Com, LLC | 16 | 6.500% | $290,000 | 0.0% |
| Minnwest Bank | 16 | 6.375% | $390,000 | 0.0% |
| MOVEMENT MORTGAGE, LLC | 16 | 6.563% | $420,000 | 0.0% |
| Associated Bank, National Association | 15 | 6.000% | $275,000 | 16.7% |
| A&D Mortgage LLC | 15 | 6.625% | $415,000 | 6.3% |
| CMG MORTGAGE, INC. | 14 | 6.750% | $305,000 | 5.9% |
| First Bank & Trust | 14 | 6.800% | $230,000 | 17.7% |
| Merchants Bank, National Association | 14 | 6.400% | $310,000 | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 13 | 6.125% | $355,000 | 0.0% |
| MASON MCDUFFIE MORTGAGE CORPORATION | 13 | 6.490% | $365,000 | 0.0% |
| Home Mortgage Alliance Corporation (HMAC) | 11 | 6.875% | $375,000 | 15.4% |
| PLAZA HOME MORTGAGE, INC. | 11 | 6.125% | $335,000 | 23.5% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 11 | 6.750% | $365,000 | 0.0% |
| RESICENTRAL, LLC | 11 | 6.490% | $365,000 | 0.0% |
| UIF CORPORATION | 10 | 6.375% | $375,000 | 16.7% |
| JPMorgan Chase Bank, National Association | 10 | 6.250% | $430,000 | 0.0% |
| The Huntington National Bank | 10 | 6.500% | $355,000 | 7.7% |
| Bank of America, National Association | 10 | 6.250% | $325,000 | 9.1% |
| KIND LENDING, LLC | 10 | 6.625% | $290,000 | 9.1% |
| NEWREZ LLC | 10 | 6.688% | $285,000 | 9.1% |
| Navy Federal Credit Union | 9 | Under 10 loans | Under 10 loans | 10.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 8 | Under 10 loans | Under 10 loans | 18.2% |
| LOWER, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Sunrise Banks, National Association | 7 | Under 10 loans | Under 10 loans | 12.5% |
| HomeTown Bank | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Click n' Close, Inc. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Castle Rock Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| PREMIER LENDING, INC. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| UNION HOME MORTGAGE CORP. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| MEGASTAR FINANCIAL CORP. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Blaze Credit Union | 5 | Under 10 loans | Under 10 loans | 0.0% |
| FREEDOM MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 16.7% |
| AFFINITY PLUS | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 5 | Under 10 loans | Under 10 loans | 16.7% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Kiavi Funding, Inc. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| SWBC MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| COMPEER FINANCIAL, FLCA | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Deerwood Bank | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Cornerstone State Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Home Loans, Inc. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Servion, Inc. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Waterstone Mortgage Corporation | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Ixonia Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| SUCCESS MORTGAGE PARTNERS, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Park State Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | 4 | Under 10 loans | Under 10 loans | 66.7% |
| Tomo Mortgage, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Think Mutual Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Coulee Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Merchants Bank of Indiana | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Choice Financial Group | 4 | Under 10 loans | Under 10 loans | 0.0% |
| 21st Mortgage Corporation | 3 | Under 10 loans | Under 10 loans | 76.9% |
| ZILLOW HOME LOANS, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Bridgewater Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Plains Commerce Bank | 3 | Under 10 loans | Under 10 loans | 40.0% |
| CORTRUST MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 40.0% |
| BAY EQUITY LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Community Federal National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Sierra Pacific Mortgage Company, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMWEST FUNDING CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Baxter Credit Union | 2 | Under 10 loans | Under 10 loans | 20.0% |
| Synergy One Lending, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| THE LOAN STORE, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Filo Mortgage, L.L.C. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| T2 FINANCIAL LLC | 2 | Under 10 loans | Under 10 loans | 25.0% |
| Equity Prime Mortgage LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| OCMBC, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| IDEAL Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Highland Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NBKC BANK | 2 | Under 10 loans | Under 10 loans | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONSTAR MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Lakeview Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Magnolia Bank, Incorporated | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTHPOINT FINANCIAL | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Florida Capital Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CITY-COUNTY CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BANKWEST, INC. | 1 | Under 10 loans | Under 10 loans | 90.0% |
| USAA Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank Minnesota | 1 | Under 10 loans | Under 10 loans | 50.0% |
| First National Bank of America | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Lake Elmo Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| IOWA BANKERS MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| VERIDIAN CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SIRVA MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Star Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GoPrime Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| BoxCar Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Gate City Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| The State Bank of Faribault | 1 | Under 10 loans | Under 10 loans | 50.0% |
| TOPLINE FINANCIAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PNC Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Truist Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Cornerstone First Mortgage, Inc | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LIMA ONE CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Resource Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Tradition Capital Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Western Trust 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% |
| AML FUNDING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 254900T8N4RLS6G3BF64 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VisionBank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Northeast Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First International Bank & Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Renasant Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The First National Bank of Le Center | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Independent Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Lake Forest Bank & Trust Company, N.A. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Community Resource Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Armed Forces Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MEMBER FIRST MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALTRA Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First United Bank and Trust Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| REDWOOD RESIDENTIAL ACQUISITION CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Leader Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BankVista | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CLEAREDGE LENDING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Sterling State Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ENVOY MORTGAGE, LTD | 1 | Under 10 loans | Under 10 loans | 0.0% |
| JONES LANG LASALLE MULTIFAMILY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers Bank & Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MidWestOne Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Chippewa Valley Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Dollar Bank, Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Busey Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| V.I.P. MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CONSUMER REAL ESTATE FINANCE CO. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Genisys Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| WEST GATE BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Texana Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bison State Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Devon Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| THRIVENT Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CITY FIRST MORTGAGE SERVICES, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers State Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citibank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| CHARTWELL FINANCIAL, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| LENDINGONE, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| Heritage Bank National Association | 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 37 lenders each made 0 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.