Mortgage lending in Clearwater County, Minnesota
Lenders in Clearwater County, Minnesota reported 214 mortgage applications for 2025, according to the CFPB.
214 mortgage applications and 157 loans originated in 2025; the denial rate was 11.6% of 189 applications decided. The median loan was about $135,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Clearwater County, MN.
- 214
- Applications
- 157
- Loans originated
- 11.6%
- Denial rate
- 22 denied of 189 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 214 | 157 |
| 2024 | 170 | 108 |
| 2023 | 167 | 110 |
| 2022 | 221 | 136 |
| 2021 | 326 | 212 |
| 2020 | 292 | 186 |
| 2019 | 212 | 135 |
| 2018 | 177 | 101 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| First National Bank Bagley | 29 | 31 |
| Border Bank | 17 | 19 |
| Affinity Plus Federal Credit Union | 14 | 21 |
| National Bank of Commerce | 10 | 14 |
| Rocket Mortgage | 8 | 9 |
| Deerwood Bank | 8 | 9 |
| Primary Residential Mortgage, INC. | 5 | 5 |
| United Wholesale Mortgage | 5 | 5 |
| American Federal Bank | 5 | 5 |
| Mortgage Research Center | 4 | 5 |
| US Bank, N.A. | 4 | 6 |
| American Pacific Mortgage Corporation | 3 | 3 |
| loanDepot.com LLC | 2 | 4 |
| Newrez LLC | 2 | 4 |
| Granite Bank | 2 | 3 |
| Plaza Home Mortgage, Inc | 2 | 5 |
| Fairway Independent Mort Corp | 2 | 2 |
| Merchants Bank, National Association | 2 | 2 |
| Pennymac Loan Services LLC | 2 | 3 |
| Forward Bank | 1 | 1 |
| AdvantageFirst Lending Inc | 1 | 1 |
| Huntington National Bank | 1 | 2 |
| Summit Mortgage Corporation | 1 | 1 |
| Planet Home Lending, LLC | 1 | 1 |
| First International Bank & Trust | 1 | 1 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 15 | no rate: base under 50 |
| Asian | under 10 | |
| Black or African American | under 10 | |
| White | 169 | 11.3% of 151 decided |
| Joint | under 10 | |
| Race Not Available | 19 | no rate: base under 50 |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | under 10 | |
| Not Hispanic or Latino | 186 | 10.8% of 167 decided |
| Joint | under 10 | |
| Ethnicity Not Available | 26 | no rate: base under 50 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 89 | 9.3% of 75 decided |
| Female | 37 | no rate: base under 50 |
| Joint | 72 | 12.3% of 65 decided |
| Sex Not Available | 16 | no rate: base under 50 |
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. 2189 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