What people paid for mortgages in St. Louis County, MN (2025)

Across 1,798 closed home-purchase loans in 2025, the median interest rate in St. Louis was 6.625%, and the middle half of borrowers got between 6.25% and 6.875%. Median total loan costs ran $5,265 on a median loan of $225,000. Source: federal HMDA filings on first-lien, owner-occupied loans.

Data: FFIEC HMDA modified LAR, 2024 and 2025 filings, loaded August 2026.

Home purchase

Median rate: 6.625%
Middle half of rates: 6.25%–6.875%
Median total loan costs: $5,265
Median loan amount: $225,000

1,798 loans, 2025.

Refinance

Median rate: 6.25%
Middle half of rates: 5.875%–6.75%
Median total loan costs: $5,293
Median loan amount: $195,000

712 loans, 2025.

Lowest median rates in St. Louis (2025)

The lenders whose own closed loans had the lowest median interest rate here, among lenders with enough local volume for the median to mean something. A low median is a reason to include that lender when you collect Loan Estimates; it is not a promise about the rate you will be quoted. An independent mortgage broker can pull quotes from several lenders at once on one application.

Home purchase

1.North Shore Federal Credit Union6.25%38 loans, median costs $2,946
2.NATIONAL BANK OF COMMERCE6.25%35 loans, median costs $5,475
3.Park State Bank6.49%38 loans, median costs $4,980
4.Regent Financial Group6.5%78 loans, median costs $6,117
5.US BANK, N.A.6.5%77 loans, median costs $3,888

Among lenders with at least 30 closed purchase loans in St. Louis County in 2025.

Refinance

1.United Wholesale Mortgagebroker only5.774%52 loans, median costs $8,065
2.ROCKET MORTGAGE6.125%114 loans, median costs $6,786
3.North Shore Bank of Commerce6.625%35 loans, median costs $5,342
4.US BANK, N.A.6.99%39 loans, median costs $3,168

Among lenders with at least 30 closed refinance loans in St. Louis County in 2025.

Why you may not recognize these names

The largest lenders in most counties are not banks. Homebuilders such as D.R. Horton and Lennar own their own mortgage companies (DHI Mortgage, Lennar Mortgage), and because builders attach rate buydowns and closing-cost incentives to using them, the builder's lender often tops the table in counties with heavy new construction, with median rates that look low because the builder paid to lower them. Lenders marked broker only, such as United Wholesale Mortgage, take no applications from the public: federal HMDA reporting credits each loan to the lender that made the credit decision, so loans arranged by independent brokers appear here under the wholesale lender that funded them. Others, such as PennyMac and Freedom Mortgage, operate at national scale by buying loans from smaller lenders and refinancing the loans they service, heavily in FHA and VA lending. Who actually lends, and why the biggest names are not banks covers the full picture, with sources.

Lender by lender in St. Louis

Every lender that closed at least 5 qualifying loans in St. Louis County in 2025, sorted by loan count. The # column is the lender's rank here by closed loans for the selected purpose. Median origination is the lender's own charges (Loan Estimate section A); median points is the discount-points portion. Lenders marked "broker only" fund loans through independent mortgage brokers rather than taking applications directly.

#	Lender	Loans	Median rate	Median total costs	Median origination	Median points
1	North Shore Bank of Commerce	279	6.625%	$6,157	$3,565	$432
2	FAIRWAY INDEPENDENT MORT CORP	141	6.875%	$5,495	$2,200	$1,069
3	Regent Financial Group	78	6.5%	$6,117	$3,198	$2,500
4	Bell Bank	78	6.625%	$4,199	$1,730	$1,455
5	US BANK, N.A.	77	6.5%	$3,888	$1,145	$1,562
6	FRANDSEN BANK & TRUST	67	6.57%	$5,003	$2,525	$572
7	Summit Mortgage Corporation	62	6.875%	$4,352	$2,995	$1,705
8	Servion	52	6.5%	$5,030	$2,220	$1,589
9	Mortgage Research Center	46	6.5%	$4,538	$0	$980
10	ROCKET MORTGAGE	44	6.625%	$6,110	$2,592	$1,922
11	Members Cooperative Credit Union	43	6.625%	$5,045	$2,700	$416
12	North Shore Federal Credit Union	38	6.25%	$2,946	$2,103	n/a
13	Park State Bank	38	6.49%	$4,980	$2,515	$415
14	NATIONAL BANK OF COMMERCE	35	6.25%	$5,475	$3,017	n/a
15	Granite Bank	33	6.875%	$4,602	$1,595	$1,013
16	NEW AMERICAN FUNDING, LLC.	29	6.75%	$4,930	$1,645	$689
17	American Pacific Mortgage Corporation	29	6.99%	$7,304	$2,121	$1,524
18	United Wholesale Mortgagebroker only	27	6.625%	$5,662	$2,610	$1,486
19	EVERETT FINANCIAL, INC.	26	6.625%	$8,823	$4,752	$2,833
20	Affinity Plus Federal Credit Union	24	6.375%	$4,679	$2,170	$2,270
21	First National Bank of Gilbert	21	n/a	n/a	n/a	n/a
22	LOWER, LLC	21	6.5%	$4,094	$1,640	$212
23	Miners NB of Eveleth	20	n/a	n/a	n/a	n/a
24	WELLS FARGO BANK NA	20	6.562%	$3,998	$1,480	$904
25	CROSSCOUNTRY MORTGAGE, LLC	15	6.625%	$6,840	$2,868	$1,956
26	Centricity Credit Union	14	6.433%	$4,791	$1,500	n/a
27	CARDINAL FINANCIAL COMPANY, LI	14	6.625%	$6,341	$2,944	$4,622
28	Navy Federal Credit Union	13	6%	$2,603	$0	$5,318
29	COMPEER FINANCIAL	13	6.75%	$4,831	$2,270	$1,623
30	Union Home Mortgage Corp.	13	6.375%	$5,165	$2,575	$2,494
31	Harbor Pointe Credit Union	12	n/a	n/a	n/a	n/a
32	PROSPERITY HOME MORTGAGE, LLC	12	6.938%	$5,036	$1,991	$1,113
33	NORTHVIEW BANK	12	n/a	n/a	n/a	n/a
34	GUILD MORTGAGE COMPANY	11	6.375%	$5,475	$2,955	$1,925
35	Superior Choice Credit Union	10	5.75%	$4,876	$2,069	n/a
36	JPMorgan Chase Bank, NA	10	6.688%	$5,123	$2,442	$2,066
37	USAA BANK	10	6.5%	$3,903	$1,295	$267
38	SYNERGY ONE LENDING, INC.	9	6.5%	$4,493	$2,288	$1,153
39	American Neighborhood Mortgage Acceptance Company	9	6.99%	$6,764	$1,840	$268
40	21ST MORTGAGE	9	10.68%	n/a	n/a	n/a

What these numbers are, and are not

Everything above is computed from the FFIEC's HMDA Modified Loan/Application Register, the public loan-level file nearly every mortgage lender must submit each year, filtered to originated, first-lien, owner-occupied principal-residence loans that were not business-purpose or reverse mortgages. Groups smaller than 5 loans are omitted. The methodology page documents every step.

The public file contains no credit scores, so differences between lenders mix true pricing differences with different customer bases: loan sizes, points paid, and borrower profiles all vary by lender. A median is context for your own quote, not a ranking and not an offer. Rates here are also a year's worth of closings blended together, while your quote reflects a single day's market.

The one move that reliably saves money

Get more than one Loan Estimate. Every lender must give you one within 3 business days of your application, on the same standardized form, and cannot charge you more than a reasonable credit-report fee to do it. Collecting two or three makes the offers directly comparable, line by line.

Your Loan Estimate rights

Request quotes on LendingTree

One way to start several lender conversations quickly: a marketplace like LendingTree sends one request to up to five lenders, who will call and email you. Any lender you go on to apply with must then issue the same standardized Loan Estimate, which is the document you compare line by line.

What happens after you submit

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Common questions

What mortgage rate did people get in St. Louis County in 2025?

The median interest rate on closed home-purchase loans in St. Louis County, Minnesota in 2025 was 6.625%, across 1,798 first-lien, owner-occupied loans. The middle half of borrowers got between 6.25% and 6.875%.

Is this a rate I can get today?

No. These are medians of loans that already closed, under those borrowers' credit profiles, loan sizes, discount points, and lock dates. Rates also move daily. The way to learn your own number is to collect Loan Estimates from two or three lenders, which federal rules make close to free.

Why do lenders in the table show different rates?

Partly pricing, partly customer mix. Public HMDA data contains no credit scores, so a lender serving stronger-credit borrowers or larger loans will show a different median than one serving first-time buyers, at identical pricing. Use the table as a map of who is active locally and roughly where they land, not as a ranking.

Where do these numbers come from?

The FFIEC's public HMDA Modified Loan/Application Register, the loan-level data nearly every mortgage lender must file each year, filtered to originated, first-lien, owner-occupied, non-business, non-reverse loans, in groups of at least 5.