Mortgage lending in Benton County, Minnesota
Lenders in Benton County, Minnesota reported 1,315 mortgage applications for 2025, according to the CFPB.
1,315 mortgage applications and 864 loans originated in 2025; the denial rate was 19.0% of 1,123 applications decided. The median loan was about $215,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: St. Cloud, MN MSA.
- 1,315
- Applications
- 864
- Loans originated
- 19.0%
- Denial rate
- 213 denied of 1,123 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 1,315 | 864 |
| 2024 | 1,193 | 819 |
| 2023 | 1,066 | 695 |
| 2022 | 1,414 | 965 |
| 2021 | 2,650 | 1,957 |
| 2020 | 2,771 | 2,080 |
| 2019 | 1,737 | 1,310 |
| 2018 | 1,510 | 1,095 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Liberty Bank Minnesota | 55 | 63 |
| St. Cloud Financial Credit Union | 53 | 66 |
| Rocket Mortgage | 46 | 57 |
| Homeowners Financial Group, LLC | 44 | 51 |
| United Wholesale Mortgage | 34 | 49 |
| US Bank, N.A. | 27 | 47 |
| Plaza Home Mortgage, Inc | 24 | 36 |
| Old National Bank | 21 | 24 |
| Affinity Plus Federal Credit Union | 21 | 34 |
| Deerwood Bank | 19 | 22 |
| Compeer Financial | 18 | 25 |
| Bankvista | 18 | 18 |
| Primelending | 17 | 21 |
| Sentry Bank | 16 | 17 |
| New American Funding, LLC. | 16 | 24 |
| Crosscountry Mortgage, LLC | 16 | 21 |
| Frandsen Bank & Trust | 16 | 21 |
| Credit Union 1 | 15 | 25 |
| Trustone Financial Credit Union | 15 | 23 |
| Blaze Credit Union | 15 | 24 |
| Triad Financial Services, Inc. | 14 | 52 |
| Newrez LLC | 14 | 24 |
| Sherburne State Bank | 14 | 17 |
| Magnifi Financial Credit Union | 14 | 26 |
| Fairway Independent Mort Corp | 13 | 20 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 12 | no rate: base under 50 |
| Asian | 12 | no rate: base under 50 |
| Black or African American | 55 | no rate: base under 50 |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 1,037 | 18.1% of 896 decided |
| 2 or more minority races | under 10 | |
| Joint | 20 | no rate: base under 50 |
| Race Not Available | 176 | 23.8% of 143 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 30 | no rate: base under 50 |
| Not Hispanic or Latino | 1,091 | 18.2% of 940 decided |
| Joint | 12 | no rate: base under 50 |
| Ethnicity Not Available | 182 | 22.6% of 146 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 449 | 22.3% of 373 decided |
| Female | 252 | 23.0% of 222 decided |
| Joint | 514 | 14.6% of 445 decided |
| Sex Not Available | 100 | 16.9% of 83 decided |
A category under 10 applications prints “under 10”, and beside a lone one the next-smallest is withheld too, so neither can be worked out from the whole. No rate is printed on fewer than 50 decisions. A denial rate does not control for credit history, income, debt or the property, so a difference between groups is not a measure of discrimination.
Rankings this appears in
- No. 897 Counties by median mortgage
Sources
- HMDA public loan/application register (LAR) — each year's fullest national release — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- Census Bureau population estimates — nation and states, with components of change — U.S. Census Bureau · U.S. Government work · retrieved September 25, 2026
- HMDA transmittal sheet — every reporting lender, by year, with its name — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder
- Census Bureau county population estimates — U.S. Census Bureau · U.S. Government work · retrieved September 23, 2026
Compiled automatically from HMDA public loan/application register (LAR) — each year's fullest national release, Census Bureau population estimates — nation and states, with components of change, HMDA transmittal sheet — every reporting lender, by year, with its name, HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder and Census Bureau county population estimates by a checked SQL query · Editor: Kian O'Connor · How this site is built
Data retrieved