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Mortgage Lenders and Brokers in Elk River, Minnesota

Content reviewed by

Brian McKay | iEditorial Disclosure | ✓Fact Checked | Loan Rates Last Updated and Verified: October 7, 2026

Elk River, Minnesota mortgage lenders include US Bank, N.A.US Bank, N.A.19695 Holt St Nw, Elk River, MN 55330A+5.0 ★Texas Ratio: 2.85%, The Bank of Elk RiverThe Bank of Elk River630 Main St Nw, Elk River, MN 55330A-4.8 ★Texas Ratio: 10.95%, Wells Fargo Bank NAWells Fargo Bank NA19290 Freeport St Nw, Elk River, MN 55330A+5.0 ★Texas Ratio: 5.36%, First Bank Elk RiverFirst Bank Elk River19157 Freeport St Nw, Elk River, MN 55330A+5.0 ★Texas Ratio: 4.65%, Huntington National BankHuntington National Bank19270 Freeport St Nw, Elk River, MN 55330A+5.0 ★Texas Ratio: 3.66%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA19320 Us Highway 169 Nw, Elk River, MN 55330A+5.0 ★Texas Ratio: 3.68%, Pine River State BankPine River State Bank8141 Viking Blvd Nw, Elk River, MN 55330A5.0 ★Texas Ratio: 7.16%, Bell BankBell Bank1001 Broadway St, Alexandria, MN 56308A+5.0 ★Texas Ratio: 3.66%, Blaze Credit UnionBlaze Credit Union17035 Yale St NW, Elk River, MN 55330A5.0 ★Texas Ratio: 6.19%, and Affinity Plus Federal Credit UnionAffinity Plus Federal Credit Union1719 W Main St, Albert Lea, MN 56007 4385A+5.0 ★Texas Ratio: 4.41%. Banks, credit unions and mortgage companies are listed together, with FHA, VA and local options flagged for quick comparison.

Lenders are ranked only by the number of home loans they closed in Elk River, Minnesota in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Elk River are listed first, then lenders elsewhere in Minnesota, then lenders from other states that closed loans there. Banks and credit unions carry a MonitorBankRates health grade, star rating and Texas Ratio, so you can judge how financially sound they are. Mortgage companies have no deposits to rate, so compare their loan programs, median loan and borrower reviews instead. Compare at least three lenders and ask each for a written loan estimate before you choose.

Mortgage Lenders and Brokers in Elk River, Minnesota

Market share is the lender's share of all home loans closed in Elk River, Minnesota. Approval share is approvals divided by completed applications. Grade is the MonitorBankRates Health and Safety Grade, available for banks and credit unions only. Average loan is the lender's mean loan amount here.

Lender	Programs	Loans closed	Market share	Approval share	Average loan	View
US Bank, N.A. 1 office in Elk River 19695 Holt St Nw, Elk River, MN 55330 A+5.0 ★Texas Ratio: 2.85%	Conventional, HELOC	15 +7 HELOCs	2.4%	84.2%	$241,000	View
The Bank of Elk River 1 office in Elk River 630 Main St Nw, Elk River, MN 55330 A-4.8 ★Texas Ratio: 10.95%	Conventional, Jumbo	14	2.2%	90.5%	$295,714	View
Wells Fargo Bank NA 1 office in Elk River 19290 Freeport St Nw, Elk River, MN 55330 A+5.0 ★Texas Ratio: 5.36%	Conventional	10	1.6%	83.3%	$322,000	View
First Bank Elk River 1 office in Elk River 19157 Freeport St Nw, Elk River, MN 55330 A+5.0 ★Texas Ratio: 4.65%	Conventional	6	1%	100%	$170,000	View
Huntington National Bank 1 office in Elk River 19270 Freeport St Nw, Elk River, MN 55330 A+5.0 ★Texas Ratio: 3.66%	Conventional, FHA, HELOC	4 +7 HELOCs	0.6%	66.7%	$282,500	View
JPMorgan Chase Bank, NA 1 office in Elk River 19320 Us Highway 169 Nw, Elk River, MN 55330 A+5.0 ★Texas Ratio: 3.68%	Conventional	4	0.6%	100%	$317,500	View
Pine River State Bank 1 office in Elk River 8141 Viking Blvd Nw, Elk River, MN 55330 A5.0 ★Texas Ratio: 7.16%	Conventional	1	0.2%	100%	$405,000	View
Bell Bank 1001 Broadway St, Alexandria, MN 56308 A+5.0 ★Texas Ratio: 3.66%	Conventional, FHA, HELOC	25 +2 HELOCs	4%	92.6%	$329,400	View
Blaze Credit Union 17035 Yale St NW, Elk River, MN 55330 A5.0 ★Texas Ratio: 6.19%	Conventional, HELOC	22 +12 HELOCs	3.5%	88.9%	$158,181	View
Affinity Plus Federal Credit Union 1719 W Main St, Albert Lea, MN 56007 4385 A+5.0 ★Texas Ratio: 4.41%	Conventional, HELOC	17 +3 HELOCs	2.7%	85%	$100,294	View
Trustone Financial Credit Union 2772 E 82nd St, Bloomington, MN 55425 1365 A+5.0 ★Texas Ratio: 4.56%	Conventional, HELOC	10 +10 HELOCs	1.6%	55.6%	$125,000	View
Granite Bank 11660 Theatre Dr N, Champlin, MN 55316 A5.0 ★Texas Ratio: 13.85%	Conventional, FHA, VA	8	1.3%	100%	$357,500	View
Wings Financial Credit Union 14985 Glazier Ave, Apple Valley, MN 55124	Conventional, HELOC	7 +16 HELOCs	1.1%	88.9%	$340,714	View
Luminate Bank 208 W Front St, Claremont, MN 55924 A5.0 ★Texas Ratio: 11.06%	Conventional, FHA, VA	7	1.1%	100%	$309,285	View
Alerus Financial NA 143 W Clark St, Albert Lea, MN 56007 A+5.0 ★Texas Ratio: 3.32%	Conventional, HELOC	3 +1 HELOCs	0.5%	100%	$201,666	View
Minnco Credit Union 2121 Station Pkwy NW, Andover, MN 55304 A+5.0 ★Texas Ratio: 2.50%	Conventional	3	0.5%	100%	$91,666	View
Highland Bank 11800 Aberdeen St Ne, Blaine, MN 55449 C+4.1 ★Texas Ratio: 26.29%	Conventional	3	0.5%	100%	$188,333	View
Liberty Bank Minnesota 730 Humboldt Dr, Big Lake, MN 55309 A+5.0 ★Texas Ratio: 0.00%	Conventional	3	0.5%	100%	$191,666	View
Topline Financial Credit Union 900 American Blvd W, Bloomington, MN 55420 A5.0 ★Texas Ratio: 6.54%	Conventional, HELOC	2 +2 HELOCs	0.3%	66.7%	$385,000	View
Sherburne State Bank 12500 Sherburne Avenue, Becker, MN 55308 A+5.0 ★Texas Ratio: 0.20%	Conventional	2	0.3%	100%	$445,000	View
Magnifi Financial Credit Union 641 Railroad Ave, Albany, MN 56307 A+5.0 ★Texas Ratio: 1.40%	Conventional, HELOC	1 +1 HELOCs	0.2%	100%	$505,000	View
Ideal Credit Union 3225 Denmark Ave, Eagan, MN 55121 1382 A+5.0 ★Texas Ratio: 5.61%	Conventional, HELOC	1 +1 HELOCs	0.2%	100%	$385,000	View
Building Trades Federal Credit Union 9741 Lyndale Ave S, Bloomington, MN 55420 A+5.0 ★Texas Ratio: 1.58%	Conventional	1	0.2%	100%	$65,000	View
Northview Bank 6340 Merchant St, Askov, MN 55704 A+5.0 ★Texas Ratio: 3.46%	Conventional	1	0.2%	50%	$285,000	View
Think Mutual Bank 15751 Emperor Ave, Apple Valley, MN 55124 A+5.0 ★Texas Ratio: 0.90%	Conventional	1	0.2%	100%	$105,000	View
HomeTown Bank 1600 Monroe Drive, Carver, MN 55315 A+5.0 ★Texas Ratio: 3.53%	Conventional	1	0.2%	100%	$205,000	View
Bonanza Valley State Bank 147 Central Ave S, Brooten, MN 56316 A+5.0 ★Texas Ratio: 0.59%	Conventional	1	0.2%	100%	$355,000	View
Luminate Home Loans, Inc. 208 W Front St, Claremont, MN 55924 A5.0 ★Texas Ratio: 11.06%	Conventional	1	0.2%	100%	$345,000	View
Sunrise Banks, N.A. 2100 Blaisdell Ave, Minneapolis, MN 55404 A5.0 ★Texas Ratio: 9.43%	Conventional	1	0.2%	100%	$315,000	View
City & County Credit Union ★ 5 stars, 1 review 5941 94th Ave N, Brooklyn Park, MN 55443 A+5.0 ★Texas Ratio: 1.52%	Conventional	1	0.2%	50%	$55,000	View
Associated Bank NA 7760 France Ave S, Bloomington, MN 55435 A+5.0 ★Texas Ratio: 3.45%	Conventional	1	0.2%	100%	$85,000	View
BMO Harris Bank NA 412 E Main St, Ada, MN 56510 A+5.0 ★Texas Ratio: 3.54%	Conventional	1	0.2%	100%	$215,000	View
Deerwood Bank 14986 Lynwood Dr, Baxter, MN 56425 A+5.0 ★Texas Ratio: 4.01%	HELOC	0 +3 HELOCs	0%	n/a		View
Old National Bank 101 Minnesota Ave N, Aitkin, MN 56431 A+5.0 ★Texas Ratio: 4.98%	HELOC	0 +1 HELOCs	0%	n/a		View
Bank of America NA 7510 147th St W, Apple Valley, MN 55124 A+5.0 ★Texas Ratio: 4.14%	HELOC	0 +1 HELOCs	0%	n/a		View
Members Cooperative Credit Union 108 Minnesota Ave N, Aitkin, MN 56431 1410 A5.0 ★Texas Ratio: 10.43%	HELOC	0 +1 HELOCs	0%	n/a		View
Summit Mortgage Corporation	Conventional, FHA	10	1.6%	100%	$269,000
Tradition Mortgage, LLC	Conventional	7	1.1%	100%	$385,000
Cambria Financial Group	Conventional, FHA	2	0.3%	100%	$350,000
Servion	Conventional	1	0.2%	100%	$335,000
South Metro Federal Credit Uni	Conventional	1	0.2%	100%	$485,000
Bremer Bank NA	HELOC	0 +1 HELOCs	0%	n/a
Lennar Mortgage, LLC	Conventional, FHA	41	6.5%	91.1%	$384,756
United Wholesale Mortgage	Conventional, FHA, VA, Jumbo, HELOC	40 +1 HELOCs	6.3%	97.6%	$372,250
Rocket Mortgage	Conventional, FHA, VA	40	6.3%	83.3%	$225,500
loanDepot.com LLC	Conventional, FHA, VA	34	5.4%	79.1%	$298,823
CrossCountry Mortgage, LLC	Conventional, FHA, VA	32	5.1%	100%	$318,750
New American Funding, LLC.	Conventional, FHA, VA	22	3.5%	100%	$312,727
Fairway Independent Mort Corp	Conventional, FHA	17	2.7%	100%	$293,235
Pennymac Loan Services LLC	Conventional, FHA, VA	13	2.1%	93.3%	$376,538
Guaranteed Rate, Inc.	Conventional, VA, HELOC	8 +1 HELOCs	1.3%	100%	$435,000
Guaranteed Rate Affinity, LLC	Conventional, FHA	8	1.3%	100%	$271,250
SWBC Mortgage Corporation	Conventional, FHA	8	1.3%	100%	$276,250
Newrez LLC	Conventional, FHA, VA	8	1.3%	72.7%	$297,500
Prosperity Home Mortgage, LLC	Conventional, FHA, VA	8	1.3%	100%	$330,000
Nationstar Mortgage	Conventional	7	1.1%	88.9%	$135,000
Cmg Mortgage Inc	Conventional, FHA, HELOC	6 +1 HELOCs	1%	85.7%	$315,000
Movement Mortgage, LLC	Conventional, HELOC	5 +1 HELOCs	0.8%	100%	$461,000
Discover Bank	Conventional	5	0.8%	55.6%	$43,000
Cardinal Financial Company, Li	Conventional	5	0.8%	100%	$213,000
Waterstone Mortgage Corporation	Conventional, FHA, VA	5	0.8%	100%	$305,000
Mortgage Research Center	VA	5	0.8%	100%	$361,000
Mutual of Omaha Mortgage	Conventional, FHA, VA	5	0.8%	100%	$265,000
Baxter Credit Union A5.0 ★Texas Ratio: 6.31%	Conventional, HELOC	4 +2 HELOCs	0.6%	100%	$292,500	View
Royal Credit Union A+5.0 ★Texas Ratio: 3.17%	Conventional, HELOC	4 +2 HELOCs	0.6%	100%	$402,500	View
Gate City Bank	Conventional	4	0.6%	100%	$275,000
BoxCar Mortgage, LLC	Conventional, FHA	4	0.6%	100%	$300,000
Barrington Bank & Trust Company, N.A. A+5.0 ★Texas Ratio: 2.20%	Conventional, VA	4	0.6%	66.7%	$390,000	View
Lower, LLC	Conventional, FHA	4	0.6%	100%	$370,000
Paramount Residential Mortgage	Conventional, FHA	4	0.6%	100%	$375,000
Mason-McDuffie Mortgage Corporation	Conventional	4	0.6%	100%	$355,000
Guild Mortgage Company	Conventional	3	0.5%	100%	$308,333
Megastar Finanacial Corp	Conventional, FHA	3	0.5%	100%	$258,333
Zillow Home Loans, LLC	Conventional	3	0.5%	100%	$278,333
Spring Eq, LLC	Conventional	3	0.5%	55.6%	$68,333
American Neighborhood Mortgage Acceptance Company	Conventional, FHA	3	0.5%	100%	$215,000
Flagstar Bank NA D3.3 ★Texas Ratio: 35.11%	Conventional, VA, HELOC	2 +1 HELOCs	0.3%	33.3%	$480,000	View
A&D Mortgage LLC A+5.0 ★Texas Ratio: 4.11%	Conventional	2	0.3%	100%	$360,000	View
Everett Financial, Inc.	Conventional, FHA	2	0.3%	66.7%	$275,000
Lakeview Loan Servicing, LLC	FHA, VA	2	0.3%	66.7%	$280,000
Go Mortgage, LLC	Conventional	2	0.3%	100%	$240,000
Amerisave Mortgage Company	FHA	2	0.3%	25%	$315,000
Synergy One Lending, Inc.	Conventional	2	0.3%	100%	$120,000
American Financial Network, Inc.	Conventional, FHA	2	0.3%	100%	$315,000
Bay Equity LLC	Conventional	2	0.3%	100%	$270,000
American Pacific Mortgage Corporation	Conventional, FHA	2	0.3%	100%	$340,000
Ixonia Bank A+5.0 ★Texas Ratio: 2.14%	Conventional	2	0.3%	100%	$270,000	View
Navy Federal Credit Union	Conventional	2	0.3%	66.7%	$105,000
Sofi Bank, National Association A+5.0 ★Texas Ratio: 0.51%	Conventional, FHA	2	0.3%	100%	$470,000	View
Plains Commerce Bank A5.0 ★Texas Ratio: 9.09%	Conventional, VA	2	0.3%	100%	$290,000	View
Veridian Credit Union C3.9 ★Texas Ratio: 27.97%	Conventional, HELOC	1 +1 HELOCs	0.2%	100%	$335,000	View
Premia Mortgage, LLC A5.0 ★Texas Ratio: 13.21%	Conventional	1	0.2%	100%	$335,000	View
Premier Mortgage Resources, LLC	Conventional	1	0.2%	100%	$345,000
Freedom Mortgage Corporation	FHA	1	0.2%	50%	$225,000
Nbkc Bank	VA	1	0.2%	100%	$605,000
Equity Prime Mortgage LLC	Conventional	1	0.2%	100%	$345,000
Kind Lending, LLC	VA	1	0.2%	100%	$275,000
Compeer Financial	Conventional	1	0.2%	100%	$605,000
PHH Mortgage Corporation	Conventional	1	0.2%	50%	$265,000
M&T Bank A+5.0 ★Texas Ratio: 4.11%	FHA	1	0.2%	100%	$315,000	View
Resicentral LLC	Conventional	1	0.2%	100%	$235,000
Data Mortgage, Inc	FHA	1	0.2%	100%	$205,000
Nqm Funding, LLC	Conventional	1	0.2%	100%	$335,000
Sfmc, LP	Conventional	1	0.2%	100%	$535,000
Developer's Mortgage Company	Conventional	1	0.2%	100%	$355,000
Connexus Credit Union	Conventional	1	0.2%	100%	$65,000
Union Home Mortgage Corp.	Conventional	1	0.2%	100%	$305,000
SIRVA Mortgage, Inc.	Conventional	1	0.2%	100%	$325,000
Homeowners Financial Group, LLC	Conventional	1	0.2%	100%	$285,000
Usaa Federal Savings Bank B-3.5 ★Texas Ratio: 6.80%	Conventional	1	0.2%	100%	$325,000	View
Churchill Mortgage Corporation	Conventional	1	0.2%	100%	$265,000
Planet Home Lending, LLC	Conventional	1	0.2%	100%	$145,000
Provident Funding Associates	Conventional	1	0.2%	100%	$475,000
Integrity Home Mortgage Corporation	FHA	1	0.2%	100%	$255,000
Sierra Pacific Mortgage Co. Inc	Conventional	1	0.2%	100%	$335,000
Stifel Bank & Trust A-4.8 ★Texas Ratio: 12.33%	Conventional, Jumbo	1	0.2%	100%	$825,000	View
RoundPoint Mortgage Servicing LLC	Conventional	1	0.2%	100%	$195,000
Fifth Third Bank, National Association A+5.0 ★Texas Ratio: 3.22%	Conventional	1	0.2%	100%	$245,000	View
The Federal Savings Bank B+4.8 ★Texas Ratio: 16.98%	VA	1	0.2%	100%	$265,000	View
Carrington Mortgage Services LLC	Conventional	1	0.2%	50%	$65,000
Quontic Bank C+4.1 ★Texas Ratio: 25.91%	Conventional	1	0.2%	100%	$385,000	View
Plaza Home Mortgage, Inc	VA	1	0.2%	100%	$405,000
Ark-La-Tex Financial Services LLC	Conventional	1	0.2%	100%	$215,000
Servbank, N.A. A+5.0 ★Texas Ratio: 3.26%	VA	1	0.2%	100%	$215,000	View
Tomo Mortgage LLC	Conventional	1	0.2%	100%	$395,000
Coastal Community Bank B4.5 ★Texas Ratio: 20.96%	HELOC	0 +5 HELOCs	0%	n/a		View
Valon Mortgage	HELOC	0 +3 HELOCs	0%	n/a
Figure Lending LLC	HELOC	0 +1 HELOCs	0%	n/a
Citizens Bank, NA A+5.0 ★Texas Ratio: 5.44%	HELOC	0 +1 HELOCs	0%	n/a		View
Better Mortgage Corporation	HELOC	0 +1 HELOCs	0%	n/a

Lender counts and market shares come from 2025 federal HMDA loan data, the public record of mortgage applications and closings. Health grades: MonitorBankRates, rates as of Oct 7, 2026.

Elk River Mortgage Rate Trends

Daily average mortgage rates for Minnesota compared with the national average, updated every evening.

30-Year Fixed MN Avg

7.512%

▲ 0.089 vs 7 days ago

15-Year Fixed MN Avg

6.996%

▲ 0.059 vs 7 days ago

Mortgage Lenders and Mortgage Brokers Near Me in Elk River, Minnesota

Looking for mortgage lenders near me or mortgage brokers near me in Elk River? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Elk River in 2025, with lenders based there listed first.

Types of Mortgage Lenders in Elk River, MN

Use these to narrow the list above. Each category shows how many Elk River, MN lenders fit and what that kind of lender is usually best for.

Mortgage companies and brokers 70 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 43 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 17 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 36 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 23 lenders. No down payment and no mortgage insurance for eligible veterans and service members Jumbo lenders 3 lenders. Loans above the conforming limit for higher priced homes Local lenders based in MN 32 lenders headquartered in Minnesota, the closest thing to a mortgage lender near you

Who Lends in Elk River, MN

Independent mortgage companies closed 64.5 percent of home loans in Elk River, Minnesota in 2025, banks 23.1 percent and credit unions 12.4 percent. Luminate Home Loans, Inc. was the largest mortgage company, US Bank, N.A. the largest bank and Blaze Credit Union the largest credit union. Among lenders headquartered in Minnesota, The Bank of Elk River led with 14 loans.

64.5%

Mortgage companies

23.1%

Banks

12.4%

Credit unions

16%

FHA loans

VA loans

How to Read This List

A high approval share with a small median loan usually points to a lender comfortable with first time and FHA borrowers. A large median loan with conventional and jumbo programs points to a move up and jumbo specialist. The health grade says whether a bank or credit union is financially sound; it says nothing about service, which is what the reviews below are for.

Title or escrow companies usually handle closings in Minnesota. State deed tax of 0.33 percent of the price (seller pays) and a mortgage registry tax of 0.23 percent of the mortgage amount (borrower pays); Hennepin and Ramsey counties add 0.01 percent to each through 2027.

More Minnesota Mortgage Lender Pages

All Minnesota lenders 711 lenders Minneapolis 297 lenders St. Paul 252 lenders Rochester 198 lenders Lakeville 187 lenders Woodbury 186 lenders Maple Grove 180 lenders Duluth 168 lenders Blaine 180 lenders Plymouth 187 lenders Bloomington 163 lenders St. Cloud 152 lenders Brooklyn Park 153 lenders

Frequently Asked Questions About Mortgage Lenders in Elk River, MN

Who is the largest mortgage lender in Elk River, MN?

By home loans closed in 2025, US Bank, N.A. was the largest mortgage lender in Elk River, Minnesota with 15 loans, about 2.4 percent of the market. The largest lender headquartered in Minnesota was The Bank of Elk River with 14 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which Elk River, MN mortgage lenders offer FHA, VA and USDA loans?

36 lenders closed FHA loans in Elk River, Minnesota in 2025, led by loanDepot.com LLC with 16. 23 lenders closed VA loans, led by United Wholesale Mortgage. Use the FHA and VA filters above the table to see only those lenders; FHA loans allow 3.5 percent down and lower credit scores, VA loans need no down payment for eligible veterans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Are credit unions and local banks included in this Elk River, MN lender list?

Yes. 43 banks and 17 credit unions closed home loans in Elk River, Minnesota in 2025, alongside 70 independent mortgage companies and brokers. Banks and credit unions carry a MonitorBankRates health grade. Mortgage companies are not deposit institutions, so they have no health grade; their HMDA figures and borrower reviews stand in. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

How are mortgage lenders in Elk River, MN ranked on this page?

Lenders are ranked only by the number of home loans they closed in Elk River, Minnesota during 2025 as reported under the federal Home Mortgage Disclosure Act. No lender pays to be listed or to rank higher, and reviews do not change the order. Counts cover first and second lien loans on one to four unit homes for purchase, refinance and home improvement; home equity lines are counted separately.

Methodology and Sources

Lender rankings use the loan level records that lenders file under the Home Mortgage Disclosure Act, published by the FFIEC and the Consumer Financial Protection Bureau for the 2025 reporting year. Counts include originated first and subordinate lien loans on one to four unit homes in Elk River, Minnesota for purchase, refinance and other purposes; home equity lines of credit are counted separately and reverse mortgages and business purpose loans are excluded. Approval share is originations plus approved but not accepted applications divided by all completed applications (withdrawn and incomplete files are excluded). Lender type comes from the lender's federal regulator and the FFIEC National Information Center. City figures use the Census tracts that make up Elk River. Health grades are MonitorBankRates data and are current as of the date shown. Lenders below the HMDA reporting thresholds do not appear. MonitorBankRates receives no payment for placement on this page. Last updated October 8, 2026.