Home purchase lenders in Stearns County
1,809 home purchase mortgages were made in Stearns County, Minnesota, in 2025, by 211 lenders. The median rate their borrowers got was 6.500% on a median loan of $235,000. Of 2,026 decisions, 161 were denials — 8.0%, most often for credit history.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| MAGNIFI FINANCIAL CREDIT UNION | 155 | 6.375% | $235,000 | 1.8% |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | 139 | 6.500% | $195,000 | 2.8% |
| Liberty Bank Minnesota | 96 | 6.625% | $245,000 | 1.0% |
| PLAZA HOME MORTGAGE, INC. | 91 | 6.375% | $255,000 | 6.2% |
| Fairway Independent Mortgage Corporation | 64 | 6.750% | $235,000 | 3.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 61 | 6.464% | $265,000 | 10.3% |
| Broker Solutions, Inc. | 46 | 6.813% | $245,000 | 0.0% |
| EVERETT FINANCIAL, INC. | 43 | 6.875% | $215,000 | 2.3% |
| Mortgage Research Center, LLC | 43 | 6.500% | $305,000 | 8.5% |
| ST. CLOUD FINANCIAL | 42 | 6.375% | $230,000 | 6.7% |
| Rocket Mortgage, LLC | 40 | 6.500% | $225,000 | 11.1% |
| Bell Bank | 37 | 6.625% | $245,000 | 0.0% |
| Old National Bank | 36 | 6.500% | $290,000 | 2.7% |
| U.S. Bank National Association | 32 | 6.750% | $260,000 | 10.5% |
| Deerwood Bank | 31 | 7.000% | $205,000 | 0.0% |
| Granite Bank | 30 | 6.375% | $225,000 | 3.2% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 30 | 6.625% | $225,000 | 11.8% |
| CROSSCOUNTRY MORTGAGE, INC. | 30 | 6.625% | $245,000 | 0.0% |
| Sentry Bank | 30 | Not published | $315,000 | 0.0% |
| Royal Credit Union | 26 | 6.500% | $160,000 | 6.7% |
| Prosperity Home Mortgage, LLC | 23 | 6.750% | $245,000 | 4.0% |
| Minnesota National Bank | 23 | Not published | $195,000 | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 21 | 6.250% | $275,000 | 8.7% |
| Freeport State Bank | 20 | Not published | $260,000 | 4.8% |
| PENNYMAC LOAN SERVICES, LLC | 19 | 6.624% | $285,000 | 13.6% |
| 21st Mortgage Corporation | 18 | 11.190% | $55,000 | 64.0% |
| American Heritage National Bank | 18 | Not published | $375,000 | 5.0% |
| BankVista | 18 | Not published | $200,000 | 0.0% |
| TRUSTONE FINANCIAL CREDIT UNION | 17 | 6.500% | $205,000 | 5.3% |
| ZILLOW HOME LOANS, LLC | 16 | 6.495% | $210,000 | 0.0% |
| GUARANTEED RATE, INC. | 15 | 6.625% | $245,000 | 11.8% |
| NEWREZ LLC | 14 | 6.438% | $265,000 | 0.0% |
| AFFINITY PLUS | 13 | 6.500% | $235,000 | 0.0% |
| Wells Fargo Bank, National Association | 13 | 6.500% | $245,000 | 0.0% |
| Luminate Bank | 13 | 6.990% | $225,000 | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 13 | 7.125% | $195,000 | 0.0% |
| Servion, Inc. | 12 | 6.500% | $195,000 | 0.0% |
| LOWER, LLC | 11 | 6.375% | $215,000 | 15.4% |
| The Huntington National Bank | 11 | 6.500% | $245,000 | 0.0% |
| COMPEER FINANCIAL, FLCA | 10 | 7.188% | $305,000 | 23.5% |
| CORTRUST MORTGAGE, INC. | 10 | 6.375% | $220,000 | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 10 | 6.750% | $250,000 | 0.0% |
| Loandepot.Com, LLC | 10 | 6.750% | $190,000 | 9.1% |
| MOVEMENT MORTGAGE, LLC | 10 | 7.000% | $185,000 | 0.0% |
| UNION HOME MORTGAGE CORP. | 9 | Under 10 loans | Under 10 loans | 10.0% |
| Paramount Residential Mortgage Group, Inc. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 8 | Under 10 loans | Under 10 loans | 27.3% |
| Navy Federal Credit Union | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Minnwest Bank | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Tradition Mortgage, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | 7 | Under 10 loans | Under 10 loans | 43.9% |
| JPMorgan Chase Bank, National Association | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Bremer Bank, National Association | 7 | Under 10 loans | Under 10 loans | 12.5% |
| GUIDANCE RESIDENTIAL, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| MASON MCDUFFIE MORTGAGE CORPORATION | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Lake Central Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| CMG MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Sherburne State Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Frandsen Bank & Trust | 6 | Under 10 loans | Under 10 loans | 14.3% |
| GUILD MORTGAGE COMPANY | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Blaze Credit Union | 5 | Under 10 loans | Under 10 loans | 11.1% |
| 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% |
| Wings Financial Credit Union | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Alerus Financial, National Association | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Ixonia Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| FREEDOM MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 33.3% |
| 549300HDE2HTZZL30G11 | 4 | Under 10 loans | Under 10 loans | 33.3% |
| THE LOAN STORE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT UNION 1 | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Heritage Bank National Association | 4 | Under 10 loans | Under 10 loans | 20.0% |
| BAY EQUITY LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Gate City Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Bonanza Valley State Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CBRE MULTIFAMILY CAPITAL, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| IOWA BANKERS MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 50.0% |
| A&D Mortgage LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Falcon National Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| UIF CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Plains Commerce Bank | 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% |
| SOUTHPOINT FINANCIAL | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Harvest 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% |
| TOWNE MORTGAGE COMPANY | 3 | Under 10 loans | Under 10 loans | 0.0% |
| West Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Miners National Bank of Eveleth | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers and Merchants State Bank of Pierz | 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% |
| 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% |
| MEGASTAR FINANCIAL CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Tomo Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 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% |
| First Western Bank & Trust | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Bridgewater Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| American National Bank of Minnesota | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CONSUMER REAL ESTATE FINANCE CO. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 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% |
| Park State Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Truist Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BANKWEST, INC. | 1 | Under 10 loans | Under 10 loans | 87.5% |
| RESICENTRAL, LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Equity Prime Mortgage LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Independence Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Bank & Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VERIDIAN CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONSTAR MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Kensington Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Texana Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Florida Capital Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| CorTrust Bank National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GO MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First State Bank of Le Center | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 254900J9CE43FKIA7D19 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HomeTown Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PREMIER LENDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Summit Mortgage Corporation | 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% |
| BANKWEST | 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% |
| Cambria Financial Group, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALTRA Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens State Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 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% |
| The Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Members Cooperative Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Sunrise Banks, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Unity Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The First National Bank Of Milaca | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MidWestOne Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Bank of Elk River | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The First National Bank of Moose Lake | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bank Iowa | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Brighton Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Alliance Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Community Federal National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bravera Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CAPITAL | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SUCCESS MORTGAGE PARTNERS, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| National Bank of Commerce | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DAS Acquisition Company, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MERIDIAN BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PNC Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Fifth Third Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| American National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LENDINGONE, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Waterstone Mortgage Corporation | 0 | Under 10 loans | Under 10 loans | 100.0% |
| BMO Bank National Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Northview Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Bank of America, National Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Strong Home Mortgage, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| HomePromise Corporation | 0 | Under 10 loans | Under 10 loans | 100.0% |
| MORTGAGEONE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| LAND HOME FINANCIAL SERVICES, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| Kiavi Funding, Inc. | 0 | Under 10 loans | Under 10 loans | Not published |
| One Community Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 0 | Under 10 loans | Under 10 loans | Not published |
| 549300MPZDD9EFQ1E963 | 0 | Under 10 loans | Under 10 loans | Not published |
| American Federal Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| Lakeview Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| SECURITYNATIONAL MORTGAGE COMPANY | 0 | Under 10 loans | Under 10 loans | Not published |
| First PREMIER Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| CHAMPIONS FUNDING, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| First Federal Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| UMB Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| Manufacturers and Traders Trust Company | 0 | Under 10 loans | Under 10 loans | Not published |
| Associated Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| Citadel Servicing Corporation | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERIHOME MORTGAGE COMPANY, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Tradition Capital Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| Sierra Pacific Mortgage Company, Inc. | 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. Another 11 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.