Refinance lenders in Stearns County, Minnesota
Fat Boy Data analyzed mortgage refinance activity in Stearns County, Minnesota, home to St. Cloud, to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 1,094 applications were decided by 131 lenders between 2023 and 2025.
Stearns County at a glance
How Stearns County compares
What the data shows
Magnifi Financial Credit Union made the most mortgage refinances in Stearns County, MN, 194 of them.
Bonanza Valley State Bank approved the highest share of applications among lenders with at least 20 decisions here, 100% of 23.
Lenders approved 87.8% of mortgage refinance applications in Stearns County, MN, 5.8 percentage points above the Minnesota rate of 82.1%.
The typical mortgage refinance here is $125K, 47% smaller than the Minnesota typical of $235K.
Each dot is one lender, placed at its approval rate. Hover for the sample size; the 5 largest lenders are named, the rest are behind the unlock.
Refinance lenders in Stearns County
| Lender | Approval | Approved | Taken up | Typical loan | Loans made | |
|---|---|---|---|---|---|---|
| 1 | Magnifi Financial Credit Union | 89% | 212 / 239 | 92% | $85K | 194 |
| 2 | Liberty Bank Minnesota | 94% | 63 / 67 | 100% | $215K | 63 |
| 3 | Trustone Financial Credit Union | 86% | 50 / 58 | 96% | $75K | 48 |
| 4 | United Wholesale Mortgage, LLCBroker only | 89% | 51 / 57 | 94% | $255K | 48 |
| 5 | Bremer Bank, National Association | 91% | 42 / 46 | 100% | $105K | 42 |
Ranked by lending volume. Approval is the share of decided applications a lender approved; taken up is the share of approvals borrowers accepted. Lenders with fewer than 20 decisions are marked as a limited sample and never used for a “highest approval” claim.How the numbers work.
Fat Boy found 126 more lenders.
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You are seeing the 5 largest mortgage refinance lenders in Stearns County. Unlock the full market: every lender that decided one of these loans here, what they approved, how much borrowers took, and how close the nearest office is.
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- Approval rate and borrower take-up
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- Branch count and application options
- How easy each lender is to reach
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