Refinancing lenders in Washington County
944 refinancing mortgages were made in Washington County, Minnesota, in 2025, by 196 lenders. The median rate their borrowers got was 6.125% on a median loan of $315,000. Of 1,159 decisions, 150 were denials — 12.9%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 111 | 5.799% | $405,000 | 8.5% |
| TRUSTONE FINANCIAL CREDIT UNION | 62 | 7.240% | $125,000 | 12.3% |
| Rocket Mortgage, LLC | 57 | 5.875% | $345,000 | 18.1% |
| Bell Bank | 53 | 6.490% | $295,000 | 8.6% |
| AFFINITY PLUS | 43 | 6.500% | $85,000 | 6.5% |
| PENNYMAC LOAN SERVICES, LLC | 31 | 5.875% | $455,000 | 15.8% |
| FREEDOM MORTGAGE CORPORATION | 27 | 5.750% | $335,000 | 8.1% |
| CROSSCOUNTRY MORTGAGE, INC. | 23 | 5.990% | $315,000 | 0.0% |
| U.S. Bank National Association | 22 | 7.275% | $315,000 | 0.0% |
| Blaze Credit Union | 17 | 6.000% | $145,000 | 4.8% |
| GUARANTEED RATE, INC. | 15 | 6.125% | $445,000 | 6.3% |
| Fairway Independent Mortgage Corporation | 15 | 5.990% | $325,000 | 0.0% |
| Old National Bank | 14 | 6.365% | $280,000 | 33.3% |
| Alerus Financial, National Association | 13 | 6.500% | $305,000 | 21.1% |
| Tradition Mortgage, LLC | 13 | 6.624% | $765,000 | 0.0% |
| Lake Elmo Bank | 13 | Not published | $245,000 | 0.0% |
| Mortgage Research Center, LLC | 12 | 5.813% | $335,000 | 36.8% |
| Royal Credit Union | 12 | 6.188% | $290,000 | 14.3% |
| IDEAL Credit Union | 12 | 5.688% | $135,000 | 0.0% |
| Associated Bank, National Association | 11 | 6.875% | $245,000 | 15.4% |
| Loandepot.Com, LLC | 11 | 5.625% | $505,000 | 0.0% |
| Wings Financial Credit Union | 10 | 7.250% | $105,000 | 11.1% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 10 | 6.188% | $335,000 | 9.1% |
| The Huntington National Bank | 9 | Under 10 loans | Under 10 loans | 16.7% |
| Merchants Bank, National Association | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Bank | 8 | Under 10 loans | Under 10 loans | 11.1% |
| GUILD MORTGAGE COMPANY | 8 | Under 10 loans | Under 10 loans | 11.1% |
| NATIONSTAR MORTGAGE LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| NEWREZ LLC | 7 | Under 10 loans | Under 10 loans | 22.2% |
| Prosperity Home Mortgage, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Wells Fargo Bank, National Association | 7 | Under 10 loans | Under 10 loans | 20.0% |
| MidWestOne Bank | 7 | Under 10 loans | Under 10 loans | 30.0% |
| LAKEVIEW LOAN SERVICING, LLC | 6 | Under 10 loans | Under 10 loans | 52.4% |
| Broker Solutions, Inc. | 6 | Under 10 loans | Under 10 loans | 25.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 6 | Under 10 loans | Under 10 loans | 18.2% |
| Vermillion State Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| CITY-COUNTY CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| EVERETT FINANCIAL, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| CMG MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| First State Bank and Trust | 5 | Under 10 loans | Under 10 loans | 14.3% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 5 | Under 10 loans | Under 10 loans | 0.0% |
| TOPLINE FINANCIAL CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 16.7% |
| PLANET HOME LENDING, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| SUCCESS MORTGAGE PARTNERS, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Third Federal Savings and Loan Association of Cleveland | 4 | Under 10 loans | Under 10 loans | 50.0% |
| NBKC BANK | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MOVEMENT MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| St. Paul Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 20.0% |
| LOWER, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Highland Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Summit Mortgage Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SWBC MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| VERIDIAN CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PHH Mortgage Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| THE LOAN STORE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Security State Bank of Marine | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Ixonia Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CorTrust Bank National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Think Mutual Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| First Resource Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| First State Bank of Wyoming | 3 | Under 10 loans | Under 10 loans | 0.0% |
| WESTCONSIN Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| RESICENTRAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Bremer Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Bridgewater Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| HOMESTEAD FUNDING CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL UNITED MORTGAGE LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Bravera Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| JPMorgan Chase Bank, National Association | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Bank of America, National Association | 2 | Under 10 loans | Under 10 loans | 50.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 2 | Under 10 loans | Under 10 loans | 33.3% |
| AMERICAN INTERNET MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 2 | Under 10 loans | Under 10 loans | 33.3% |
| American National Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Heartland Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Armed Forces Bank, National Association | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Waterstone Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| UNION HOME MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| VisionBank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Granite Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Hiawatha National Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Bison State Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MISSION LOANS, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Bank, National Association | 1 | Under 10 loans | Under 10 loans | 75.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 66.7% |
| SPRING EQ, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Frandsen Bank & Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone First Mortgage, Inc | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Expedition Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Primis Mortgage Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Kiavi Funding, Inc. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Luminate Home Loans, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EMM LOANS LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Morgan Stanley Private Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Sunrise Banks, National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| PLAZA HOME MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| MILEND, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MASON MCDUFFIE MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AmeriSave Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Deerwood Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Great Southern Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| New Market Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Watermark Capital, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Security Bank & Trust Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Tradition Capital Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Strong Home Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTH RIVER MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| WALKER & DUNLOP, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Nicolet National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LOANFLIGHT LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Northeast Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Community Resource Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| STANFORD Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NORTHMARQ CAPITAL FINANCE, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens State Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UIF CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Liberty Bank Minnesota | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Members Cooperative Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CBRE MULTIFAMILY CAPITAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| University Bank | 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% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bethpage Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LoanUnited.com, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Valon Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| QUORUM FEDERAL CREDIT UNION | 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% |
| ALLIED MORTGAGE GROUP, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Farmers & Merchants Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Gate City Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MEGASTAR FINANCIAL CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MINNCO CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PIKE CREEK MORTGAGE SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GoodLeap, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| City National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UMB Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Baxter Credit Union | 0 | Under 10 loans | Under 10 loans | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| AMERICAN FINANCING CORPORATION | 0 | Under 10 loans | Under 10 loans | 66.7% |
| KIND LENDING, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Premier Bank Minnesota | 0 | Under 10 loans | Under 10 loans | 0.0% |
| DEPARTMENT OF THE INTERIOR FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | Not published |
| 2549004XDCE3LGQW7H72 | 0 | Under 10 loans | Under 10 loans | 100.0% |
| State Department Federal Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| 254900M2C4Q6DATP2889 | 0 | Under 10 loans | Under 10 loans | Not published |
| Sierra Pacific Mortgage Company, Inc. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| BMO Bank National Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| VISTA POINT MORTGAGE, LLC | 0 | Under 10 loans | Under 10 loans | 0.0% |
| Navy Federal Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| FIRST COLONY MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | 0.0% |
| FAY SERVICING, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Servion, Inc. | 0 | Under 10 loans | Under 10 loans | Not published |
| NEXERA HOLDING LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| ENVOY MORTGAGE, LTD | 0 | Under 10 loans | Under 10 loans | Not published |
| NexBank | 0 | Under 10 loans | Under 10 loans | Not published |
| HOMEXPRESS MORTGAGE CORP. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| NEW DAY FINANCIAL, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| SayGO Home Loans, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| 984500FAD1FB7FEGTE82 | 0 | Under 10 loans | Under 10 loans | Not published |
| CHAMPIONS FUNDING, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| USAA Federal Savings Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Arvest Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| Flagstar Bank, N.A. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| The First National Bank of River Falls | 0 | Under 10 loans | Under 10 loans | 0.0% |
| First American Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| LUXURY MORTGAGE CORP. | 0 | Under 10 loans | Under 10 loans | Not published |
| REDWOOD RESIDENTIAL ACQUISITION CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| Charles Schwab Bank, SSB | 0 | Under 10 loans | Under 10 loans | Not published |
| First Bank & Trust | 0 | Under 10 loans | Under 10 loans | Not published |
| OCMBC, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| WEST GATE BANK | 0 | Under 10 loans | Under 10 loans | Not published |
| Citibank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| Truist Bank | 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.
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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.