Mortgage lenders in Sherburne County
2,780 mortgages were made in Sherburne County, Minnesota, in 2025, by 278 lenders. The median rate their borrowers got was 6.625% on a median loan of $265,000. Of 3,489 decisions, 563 were denials — 16.1%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 157 | 6.625% | $265,000 | 15.6% |
| Blaze Credit Union | 156 | 6.500% | $90,000 | 12.5% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 153 | 6.125% | $335,000 | 9.3% |
| Bell Bank | 118 | 6.495% | $305,000 | 3.2% |
| TRUSTONE FINANCIAL CREDIT UNION | 113 | 7.250% | $75,000 | 19.2% |
| CROSSCOUNTRY MORTGAGE, INC. | 108 | 6.575% | $305,000 | 1.8% |
| U.S. Bank National Association | 82 | 8.150% | $115,000 | 40.4% |
| Broker Solutions, Inc. | 77 | 6.625% | $305,000 | 8.2% |
| Sherburne State Bank | 76 | Not published | $255,000 | 1.2% |
| Fairway Independent Mortgage Corporation | 66 | 6.625% | $295,000 | 1.5% |
| AFFINITY PLUS | 61 | 6.740% | $65,000 | 16.0% |
| Wings Financial Credit Union | 55 | 7.250% | $135,000 | 16.9% |
| Loandepot.Com, LLC | 54 | 6.375% | $320,000 | 22.2% |
| LENNAR MORTGAGE, LLC | 47 | 5.750% | $385,000 | 7.8% |
| PENNYMAC LOAN SERVICES, LLC | 46 | 6.125% | $340,000 | 14.5% |
| The Huntington National Bank | 37 | 7.440% | $135,000 | 36.1% |
| Luminate Bank | 35 | 6.750% | $305,000 | 2.8% |
| NEWREZ LLC | 34 | 6.875% | $270,000 | 30.0% |
| MINNCO CREDIT UNION | 34 | 7.500% | $75,000 | 20.5% |
| Old National Bank | 33 | 6.725% | $225,000 | 15.4% |
| Wells Fargo Bank, National Association | 32 | 6.375% | $285,000 | 28.9% |
| The Bank of Elk River | 32 | Not published | $220,000 | 6.7% |
| EVERETT FINANCIAL, INC. | 32 | 6.625% | $315,000 | 3.0% |
| Prosperity Home Mortgage, LLC | 31 | 6.625% | $345,000 | 8.8% |
| Mortgage Research Center, LLC | 30 | 6.250% | $355,000 | 16.7% |
| ST. CLOUD FINANCIAL | 30 | 6.113% | $75,000 | 11.8% |
| Granite Bank | 30 | 6.490% | $325,000 | 0.0% |
| GUARANTEED RATE, INC. | 27 | 6.650% | $345,000 | 0.0% |
| NATIONSTAR MORTGAGE LLC | 27 | 8.625% | $75,000 | 6.5% |
| Summit Mortgage Corporation | 26 | 6.625% | $300,000 | 0.0% |
| TOPLINE FINANCIAL CREDIT UNION | 25 | 5.990% | $145,000 | 10.0% |
| Royal Credit Union | 24 | 7.063% | $235,000 | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 22 | 6.625% | $335,000 | 8.3% |
| Liberty Bank Minnesota | 22 | 6.625% | $210,000 | 4.4% |
| PLAZA HOME MORTGAGE, INC. | 21 | 6.125% | $305,000 | 22.2% |
| SPRING EQ, LLC | 20 | 8.828% | $85,000 | 48.9% |
| LOWER, LLC | 20 | 6.433% | $330,000 | 4.8% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 20 | 6.750% | $250,000 | 0.0% |
| Tradition Mortgage, LLC | 17 | 6.625% | $325,000 | 0.0% |
| FIGURE LENDING LLC | 16 | 9.425% | $55,000 | 24.4% |
| CMG MORTGAGE, INC. | 15 | 6.625% | $265,000 | 5.9% |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | 15 | 6.500% | $295,000 | 0.0% |
| Baxter Credit Union | 15 | 6.750% | $305,000 | 0.0% |
| FREEDOM MORTGAGE CORPORATION | 14 | 6.250% | $290,000 | 25.0% |
| Navy Federal Credit Union | 14 | 7.650% | $170,000 | 30.0% |
| Deerwood Bank | 14 | 7.375% | $100,000 | 6.7% |
| Alerus Financial, National Association | 14 | 6.625% | $270,000 | 0.0% |
| Coastal Community Bank | 13 | 9.490% | $45,000 | 2.5% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 13 | 6.250% | $365,000 | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 13 | 6.550% | $365,000 | 0.0% |
| A&D Mortgage LLC | 12 | 6.625% | $360,000 | 0.0% |
| MAGNIFI FINANCIAL CREDIT UNION | 11 | 6.125% | $265,000 | 7.7% |
| JPMorgan Chase Bank, National Association | 11 | 6.250% | $285,000 | 8.3% |
| MEGASTAR FINANCIAL CORP. | 11 | 6.625% | $275,000 | 8.3% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 10 | 6.563% | $345,000 | 0.0% |
| MOVEMENT MORTGAGE, LLC | 10 | 6.990% | $285,000 | 0.0% |
| Waterstone Mortgage Corporation | 10 | 6.745% | $375,000 | 0.0% |
| First Bank Elk River | 10 | Not published | $150,000 | 9.1% |
| Bremer Bank, National Association | 10 | 8.800% | $70,000 | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 10 | 6.313% | $290,000 | 0.0% |
| ZILLOW HOME LOANS, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| SWBC MORTGAGE CORPORATION | 9 | Under 10 loans | Under 10 loans | 0.0% |
| 21st Mortgage Corporation | 8 | Under 10 loans | Under 10 loans | 65.2% |
| Discover Bank | 8 | Under 10 loans | Under 10 loans | 65.2% |
| First Bank & Trust | 8 | Under 10 loans | Under 10 loans | 33.3% |
| Flagstar Bank, N.A. | 8 | Under 10 loans | Under 10 loans | 50.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 8 | Under 10 loans | Under 10 loans | 20.0% |
| MidWestOne Bank | 8 | Under 10 loans | Under 10 loans | 27.3% |
| UNION HOME MORTGAGE CORP. | 8 | Under 10 loans | Under 10 loans | 11.1% |
| CorTrust Bank National Association | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Florida Capital Bank, National Association | 8 | Under 10 loans | Under 10 loans | 11.1% |
| VERIDIAN CREDIT UNION | 7 | Under 10 loans | Under 10 loans | 12.5% |
| BoxCar Mortgage, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 7 | Under 10 loans | Under 10 loans | 22.2% |
| COMPEER FINANCIAL, FLCA | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Highland Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| BUILDING TRADES FEDERAL CREDIT UNION | 7 | Under 10 loans | Under 10 loans | 0.0% |
| MASON MCDUFFIE MORTGAGE CORPORATION | 7 | Under 10 loans | Under 10 loans | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 6 | Under 10 loans | Under 10 loans | 62.5% |
| AmeriSave Mortgage Corporation | 6 | Under 10 loans | Under 10 loans | 70.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 6 | Under 10 loans | Under 10 loans | 45.5% |
| Plains Commerce Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| CORTRUST MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Cambria Financial Group, LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| National Bank of Commerce | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Citizens Bank, National Association | 6 | Under 10 loans | Under 10 loans | 25.0% |
| GUILD MORTGAGE COMPANY | 6 | Under 10 loans | Under 10 loans | 14.3% |
| BAY EQUITY LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Gate City Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 5 | Under 10 loans | Under 10 loans | 50.0% |
| Kiavi Funding, Inc. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 5 | Under 10 loans | Under 10 loans | 28.6% |
| GO MORTGAGE, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of America, National Association | 4 | Under 10 loans | Under 10 loans | 64.3% |
| VILLAGE CAPITAL & INVESTMENT LLC | 4 | Under 10 loans | Under 10 loans | 37.5% |
| Connexus Credit Union | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Click n' Close, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT UNION 1 | 4 | Under 10 loans | Under 10 loans | 0.0% |
| American Heritage National Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Valon Mortgage, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| IDEAL Credit Union | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Ixonia Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NEW DAY FINANCIAL, LLC | 3 | Under 10 loans | Under 10 loans | 50.0% |
| 254900M2C4Q6DATP2889 | 3 | Under 10 loans | Under 10 loans | 57.1% |
| TRIAD FINANCIAL SERVICES, INC. | 3 | Under 10 loans | Under 10 loans | 37.5% |
| Equity Prime Mortgage LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Minnwest Bank | 3 | Under 10 loans | Under 10 loans | 40.0% |
| PHH Mortgage Corporation | 3 | Under 10 loans | Under 10 loans | 50.0% |
| Associated Bank, National Association | 3 | Under 10 loans | Under 10 loans | 25.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| RESICENTRAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Merchants Bank, National Association | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Frandsen Bank & Trust | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CITY-COUNTY CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Fifth Third Bank, National Association | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Associated Healthcare Credit Union | 3 | Under 10 loans | Under 10 loans | 25.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SHAREPOINT CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NQM FUNDING, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Home Loans, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MLD MORTGAGE INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Sunrise Banks, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| 254900O723MCLR701H50 | 2 | Under 10 loans | Under 10 loans | 80.0% |
| BETTER MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 50.0% |
| GoodLeap, LLC | 2 | Under 10 loans | Under 10 loans | 25.0% |
| THE LOAN STORE, INC. | 2 | Under 10 loans | Under 10 loans | 25.0% |
| BMO Bank National Association | 2 | Under 10 loans | Under 10 loans | 50.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 2 | Under 10 loans | Under 10 loans | 50.0% |
| The First National Bank Of Milaca | 2 | Under 10 loans | Under 10 loans | 33.3% |
| ALLIANT CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Expedition Credit Union | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Coulee Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Sentry Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NEXERA HOLDING LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| American National Bank of Minnesota | 2 | Under 10 loans | Under 10 loans | 0.0% |
| OCMBC, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Synergy One Lending, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers and Merchants State Bank of Pierz | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Think Mutual Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HomeTown Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Pine River State Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Drake Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Toyota Financial Savings Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ALTRA Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Servion, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| KIND LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Park State Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 1 | Under 10 loans | Under 10 loans | 62.5% |
| PNC Bank, National Association | 1 | Under 10 loans | Under 10 loans | 75.0% |
| BANKWEST, INC. | 1 | Under 10 loans | Under 10 loans | 75.0% |
| The Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| PENTAGON FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 75.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 1 | Under 10 loans | Under 10 loans | 66.7% |
| SayGO Home Loans, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Texana Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Northview Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| New Market Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| 254900CTT87ZKAUTIJ37 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Tomo Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Falcon National Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Griffin Funding, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TOP FLITE FINANCIAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Primis Mortgage Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EMM LOANS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BankVista | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Premia Mortgage, LLC DBA Premia Relocation Mortgage | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MILEND, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Genisys Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Manufacturers and Traders Trust Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NBKC BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| KODABANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Quontic Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Peoples State Bank of Plainview | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Home Mortgage Alliance Corporation (HMAC) | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTH METRO FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First State Bank Southwest | 1 | Under 10 loans | Under 10 loans | 0.0% |
| St. Paul Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MY Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GENEVA FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SFMC, LP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DEVELOPER'S MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 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% |
| DATA MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NORTHROP GRUMMAN Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bonanza Valley State Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 78 lenders each made 1 or fewer mortgages here, and are counted in the totals above.
Bank branches in Sherburne County
18 FDIC-insured branches from 14 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| The Bank of Elk River | 3 | $566.2 million |
| Sherburne State Bank | 2 | $185.6 million |
| First Bank Elk River | 2 | $152.9 million |
| Wells Fargo Bank, National Association | 1 | $226.6 million |
| U.S. Bank National Association | 1 | $141.3 million |
| The Huntington National Bank | 1 | $111.1 million |
| Old National Bank | 1 | $87.5 million |
| Nicolet National Bank | 1 | $48.6 million |
| National Bank of Commerce | 1 | $36.6 million |
| Woodlands National Bank | 1 | $21.5 million |
| The First National Bank of Milaca | 1 | $13.9 million |
| Liberty Bank Minnesota | 1 | $7.5 million |
| Gate City Bank | 1 | $4.7 million |
| JPMorgan Chase Bank, National Association | 1 | $1.8 million |
Closed since the 2025 survey
1 branch in the 2025 survey has no 2026 row: closed, sold, or moved.
- MidWestOne Bank, 18233 Carson Ct Nw, Elk River
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When the next year’s lending figures are out for Sherburne 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.