Lender in Minnesota · HMDA 2025
Think Mutual Bank mortgages in Minnesota
Think Mutual Bank's 2025 home-purchase and refinance lending in Minnesota, compared with all lenders in the state.
Think Mutual Bank originated 316 owner-occupied single-family loans in Minnesota from 335 completed applications.
Its median conventional purchase loan costs were $4,620 versus $5,100 for all Minnesota lenders, at a median 30-year fixed rate of 6.50% (Minnesota: 6.625%).
Loans in MN
316
of 335 applications
Denial rate
2.9%
Purchase · MN 5.2%
Rate spread
−0.09 pts
Conv. · MN +0.15 pts
Loan amount
$345,000
Purchase · MN $305,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 272 | 261 | 2.9% | 6.500% | −0.09 pts | $4,620 | $345,000 |
| Refinance | 34 | 31 | 5.9% | — | −0.17 pts | $3,990 | $415,000 |
| Cash-out refinance | 29 | 24 | 17.2% | — | +0.07 pts | $3,920 | $255,000 |
*Conventional loans only; medians with at least 20 loans.
Minnesota counties where Think Mutual Bank ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Olmsted County | 2 | 201 | 9.1% |
| Dodge County | 4 | 15 | 4.8% |
| Wabasha County | 9 | 7 | 2.5% |
| Goodhue County | 15 | 9 | 1.4% |
| Fillmore County | 22 | 2 | 0.8% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology