refinance lenders · HMDA 2023–2025

Refinance lenders in St. Louis County, Minnesota

Fat Boy Data analyzed mortgage refinance activity in St. Louis County, Minnesota to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 1,111 applications were decided by 143 lenders between 2023 and 2025.

St. Louis County at a glance

143Active lenders15 with 20+ decisions
81.1%Market approval rate901 of 1,111 decided
$145KTypical loanmedian lender, $10K brackets
96%Borrower take-up862 loans funded

How St. Louis County compares

Approval rate compared
St. Louis County81.1%Minnesota82.1%All 616 counties76.5%
Typical loan compared
St. Louis County$145KMinnesota$235KAll 616 counties$295K

What the data shows

Members Cooperative made the most mortgage refinances in St. Louis County, MN, 78 of them.

Freedom Mortgage Corporation approved the highest share of applications among lenders with at least 20 decisions here, 100% of 20.

The typical mortgage refinance here is $145K, 38% smaller than the Minnesota typical of $235K.

Approval rate of all 15 lenders with 20+ decisions here
0%25%50%75%100%Discover Bank: 28% approved of 29Mortgage Research Center, LLC: 64% approved of 25Members Cooperative: 79% approved of 99Rocket Mortgage, LLC: 81% approved of 80Park State Bank: 83% approved of 23North Shore Bank of Commerce: 83% approved of 47Bell Bank: 84% approved of 56Affinity Plus: 85% approved of 59Frandsen Bank & Trust: 85% approved of 47Royal United Mortgage LLC: 86% approved of 21Centricity Credit Union: 88% approved of 49National Bank of Commerce: 88% approved of 25U.S. Bank National Association: 89% approved of 62United Wholesale Mortgage, LLC: 90% approved of 49Freedom Mortgage Corporation: 100% approved of 20

Each dot is one lender, placed at its approval rate. Hover for the name and sample size.

Refinance lenders in St. Louis County

LenderApprovalApprovedTaken upTypical loanLoans made
1Members Cooperative79%78 / 99100%$85K78
2Rocket Mortgage, LLC81%65 / 8092%$205K60
3U.S. Bank National Association89%55 / 62100%$105K55
4Affinity Plus85%50 / 5996%$85K48
5Bell Bank84%47 / 56100%$245K47

Ranked by lending volume. Approval is the share of decided applications a lender approved; taken up is the share of approvals the borrower accepted. Lenders with fewer than 20 decisions are marked as a limited sample and are never used for a “highest approval” claim. How these numbers are built.

Fat Boy found 138 more lenders.

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You are seeing the 5 largest mortgage refinance lenders in St. Louis County. Unlock every lender who decided one of these loans here, what they approved, how much borrowers actually took, and how far the nearest office is.

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