Mortgage lenders in Stearns County
3,149 mortgages were made in Stearns County, Minnesota, in 2025, by 264 lenders. The median rate their borrowers got was 6.624% on a median loan of $205,000. Of 3,804 decisions, 525 were denials — 13.8%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| MAGNIFI FINANCIAL CREDIT UNION | 355 | 6.250% | $135,000 | 8.2% |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | 151 | 6.500% | $195,000 | 5.6% |
| ST. CLOUD FINANCIAL | 149 | 6.000% | $95,000 | 11.3% |
| Liberty Bank Minnesota | 147 | 6.625% | $225,000 | 3.9% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 117 | 6.125% | $255,000 | 13.2% |
| Rocket Mortgage, LLC | 112 | 6.500% | $175,000 | 14.4% |
| PLAZA HOME MORTGAGE, INC. | 106 | 6.375% | $255,000 | 6.2% |
| Deerwood Bank | 91 | 7.250% | $105,000 | 3.2% |
| TRUSTONE FINANCIAL CREDIT UNION | 82 | 7.240% | $85,000 | 19.6% |
| U.S. Bank National Association | 81 | 7.950% | $135,000 | 35.2% |
| AFFINITY PLUS | 69 | 6.625% | $55,000 | 14.6% |
| Old National Bank | 67 | 6.625% | $235,000 | 11.8% |
| Fairway Independent Mortgage Corporation | 67 | 6.688% | $235,000 | 4.3% |
| Broker Solutions, Inc. | 57 | 6.750% | $245,000 | 10.9% |
| Mortgage Research Center, LLC | 54 | 6.250% | $290,000 | 14.3% |
| Bell Bank | 49 | 6.750% | $225,000 | 5.8% |
| EVERETT FINANCIAL, INC. | 45 | 6.875% | $215,000 | 2.2% |
| Sentry Bank | 44 | Not published | $290,000 | 0.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 41 | 6.575% | $235,000 | 2.3% |
| Granite Bank | 39 | 6.375% | $215,000 | 2.5% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 38 | 6.625% | $235,000 | 9.5% |
| FREEDOM MORTGAGE CORPORATION | 37 | 6.125% | $265,000 | 8.0% |
| Freeport State Bank | 37 | Not published | $165,000 | 2.6% |
| PENNYMAC LOAN SERVICES, LLC | 36 | 6.495% | $245,000 | 17.8% |
| Minnesota National Bank | 36 | Not published | $155,000 | 0.0% |
| Loandepot.Com, LLC | 31 | 6.750% | $185,000 | 18.0% |
| Royal Credit Union | 30 | 6.625% | $150,000 | 8.6% |
| Blaze Credit Union | 29 | 6.125% | $85,000 | 14.0% |
| NEWREZ LLC | 28 | 6.438% | $240,000 | 12.1% |
| Prosperity Home Mortgage, LLC | 25 | 6.750% | $255,000 | 7.1% |
| American Heritage National Bank | 24 | Not published | $310,000 | 3.9% |
| BankVista | 23 | Not published | $165,000 | 0.0% |
| Bremer Bank, National Association | 22 | 8.800% | $150,000 | 8.3% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 21 | 6.250% | $275,000 | 8.7% |
| COMPEER FINANCIAL, FLCA | 19 | 7.250% | $225,000 | 17.2% |
| Bonanza Valley State Bank | 19 | Not published | $95,000 | 0.0% |
| 21st Mortgage Corporation | 18 | 11.190% | $55,000 | 64.0% |
| Wells Fargo Bank, National Association | 18 | 6.500% | $240,000 | 10.0% |
| The Huntington National Bank | 17 | 6.750% | $185,000 | 41.9% |
| GUARANTEED RATE, INC. | 17 | 6.625% | $265,000 | 15.0% |
| NATIONSTAR MORTGAGE LLC | 16 | 7.370% | $135,000 | 15.8% |
| ZILLOW HOME LOANS, LLC | 16 | 6.495% | $210,000 | 0.0% |
| Servion, Inc. | 16 | 6.500% | $195,000 | 0.0% |
| Luminate Bank | 15 | 6.990% | $245,000 | 0.0% |
| Harvest Bank | 15 | Not published | $45,000 | 0.0% |
| Gate City Bank | 14 | 6.625% | $195,000 | 21.1% |
| UNION HOME MORTGAGE CORP. | 14 | 6.250% | $240,000 | 6.7% |
| FIGURE LENDING LLC | 13 | 8.500% | $65,000 | 35.7% |
| Navy Federal Credit Union | 13 | 6.125% | $245,000 | 27.8% |
| CREDIT UNION 1 | 13 | 7.000% | $85,000 | 31.6% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 13 | 7.125% | $195,000 | 0.0% |
| Minnwest Bank | 12 | 6.490% | $205,000 | 23.5% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 12 | 6.558% | $205,000 | 7.7% |
| LOWER, LLC | 11 | 6.375% | $215,000 | 15.4% |
| CORTRUST MORTGAGE, INC. | 11 | 6.375% | $225,000 | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 11 | 6.375% | $305,000 | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 11 | 6.750% | $255,000 | 0.0% |
| MOVEMENT MORTGAGE, LLC | 11 | 7.000% | $185,000 | 0.0% |
| Tradition Mortgage, LLC | 11 | 6.625% | $195,000 | 0.0% |
| BMO Bank National Association | 10 | 8.630% | $105,000 | 21.4% |
| Falcon National Bank | 10 | Not published | $95,000 | 9.1% |
| Lake Central Bank | 10 | Not published | $165,000 | 7.7% |
| SOFI BANK, NATIONAL ASSOCIATION | 9 | Under 10 loans | Under 10 loans | 10.0% |
| CMG MORTGAGE, INC. | 9 | Under 10 loans | Under 10 loans | 18.2% |
| Discover Bank | 8 | Under 10 loans | Under 10 loans | 46.7% |
| USAA Federal Savings Bank | 8 | Under 10 loans | Under 10 loans | 33.3% |
| JPMorgan Chase Bank, National Association | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Wings Financial Credit Union | 8 | Under 10 loans | Under 10 loans | 0.0% |
| 549300HDE2HTZZL30G11 | 8 | Under 10 loans | Under 10 loans | 20.0% |
| TRIAD FINANCIAL SERVICES, INC. | 7 | Under 10 loans | Under 10 loans | 43.9% |
| SPRING EQ, LLC | 7 | Under 10 loans | Under 10 loans | 66.7% |
| Sherburne State Bank | 7 | Under 10 loans | Under 10 loans | 11.1% |
| GUILD MORTGAGE COMPANY | 7 | Under 10 loans | Under 10 loans | 0.0% |
| GUIDANCE RESIDENTIAL, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Alerus Financial, National Association | 7 | Under 10 loans | Under 10 loans | 0.0% |
| MASON MCDUFFIE MORTGAGE CORPORATION | 7 | Under 10 loans | Under 10 loans | 0.0% |
| AmeriSave Mortgage Corporation | 6 | Under 10 loans | Under 10 loans | 66.7% |
| A&D Mortgage LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Frandsen Bank & Trust | 6 | Under 10 loans | Under 10 loans | 25.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Ixonia Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 5 | Under 10 loans | Under 10 loans | 63.2% |
| LAKEVIEW LOAN SERVICING, LLC | 5 | Under 10 loans | Under 10 loans | 52.6% |
| Citizens Bank, National Association | 5 | Under 10 loans | Under 10 loans | 58.3% |
| Home Mortgage Alliance Corporation (HMAC) | 5 | Under 10 loans | Under 10 loans | 16.7% |
| KIND LENDING, LLC | 5 | Under 10 loans | Under 10 loans | 28.6% |
| SWBC MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| THE LOAN STORE, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Heritage Bank National Association | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Hometown Equity Mortgage, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 4 | Under 10 loans | Under 10 loans | 37.5% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| BAY EQUITY LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CBRE MULTIFAMILY CAPITAL, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| American National Bank of Minnesota | 4 | Under 10 loans | Under 10 loans | 0.0% |
| TOWNE MORTGAGE COMPANY | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Truist Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 3 | Under 10 loans | Under 10 loans | 22.2% |
| IOWA BANKERS MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 50.0% |
| UIF CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| First Bank & Trust | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Plains Commerce Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Barrington Bank & Trust Company, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| 254900M2C4Q6DATP2889 | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers and Merchants State Bank of Pierz | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Coulee Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| First Western Bank & Trust | 3 | Under 10 loans | Under 10 loans | 25.0% |
| SOUTHPOINT FINANCIAL | 3 | Under 10 loans | Under 10 loans | 0.0% |
| West Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| HomeTown Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Merchants Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Bravera Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GoodLeap, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Park State Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| The Federal Savings Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| PENTAGON FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 50.0% |
| RESICENTRAL, LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| VERIDIAN CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Citizens Bank Minnesota | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 254900O723MCLR701H50 | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Kensington Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| FINANCE OF AMERICA REVERSE LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| PNC Bank, National Association | 2 | Under 10 loans | Under 10 loans | 33.3% |
| The Miners National Bank of Eveleth | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Simple, Inc. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Luminate Home Loans, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ENVOY MORTGAGE, LTD | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Bethpage Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 33.3% |
| CONSUMER REAL ESTATE FINANCE CO. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| MEGASTAR FINANCIAL CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TOPLINE FINANCIAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| NBKC BANK | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GO MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Tomo Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers & Merchants Savings Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Click n' Close, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BANKWEST | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Cambria Financial Group, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens State Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Bridgewater Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers Bank & Trust | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The First National Bank Of Milaca | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Bank of Elk River | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BoxCar Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GREENSTATE Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| National Bank of Commerce | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SayGO Home Loans, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PHH Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NEW DAY FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 33.3% |
| Bank of America, National Association | 1 | Under 10 loans | Under 10 loans | 87.5% |
| BANKWEST, INC. | 1 | Under 10 loans | Under 10 loans | 87.5% |
| Waterstone Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Equity Prime Mortgage LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MILEND, INC. | 1 | Under 10 loans | Under 10 loans | 66.7% |
| BETTER MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Texana Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CHAMPIONS FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| CorTrust Bank National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| First Independence Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Connexus Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| LOANFLIGHT LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Summit Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| IVY MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MidWestOne Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LoanUnited.com, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MINNCO CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Florida Capital Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Manufacturers and Traders Trust Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Associated Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 2549004XDCE3LGQW7H72 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First State Bank of Le Center | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Think Mutual Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| University of Wisconsin Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 254900J9CE43FKIA7D19 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Minnesota Valley Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PREMIER LENDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First International Bank & Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Community Resource Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MARINE CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALTRA Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SMW Financial Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Choice Financial Group | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BUILDING TRADES FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First United Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| COLLIERS MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Members Cooperative Credit Union | 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 64 lenders each made 1 or fewer mortgages here, and are counted in the totals above.
Bank branches in Stearns County
48 FDIC-insured branches from 29 banks, as of 30 June 2026, with the deposits held at them.
Closed since the 2025 survey
1 branch in the 2025 survey has no 2026 row: closed, sold, or moved.
- Kensington Bank, 201 Main St, Elrosa
Get told when this changes
When the next year’s lending figures are out for Stearns 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.