Mortgage lending in Cook County, Minnesota

Lenders in Cook County, Minnesota reported 269 mortgage applications for 2025, according to the CFPB.

269 mortgage applications and 160 loans originated in 2025; the denial rate was 16.0% of 194 applications decided. The median loan was about $265,000. From 2025, the CFPB’s Snapshot release.

HUD’s Fair Market Rent for the county, on the housing hub: Cook County, MN.

269
Applications: 160
Loans originated: 16.0%
Denial rate: 31 denied of 194 applications decided.

Every year

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Mortgage applications and loans originated in Cook County, Minnesota, by year
Year	Applications	Originated	Denied
2025	269	160	31
2024	198	142	18
2023	189	136	16
2022	221	157	24
2021	360	238	55
2020	396	279	36
2019	222	150	33
2018	146	88	26

The largest lenders here

Lenders in Cook County, Minnesota by loans originated, 2025
Lender	Originated	Applications
North Shore Federal Credit Union	55	94
Park State Bank	8	11
Rocket Mortgage	7	10
US Bank, N.A.	5	8
Trustone Financial Credit Union	4	5
Affinity Plus Federal Credit Union	4	5
National Bank of Commerce	4	4
Barrington Bank & Trust Company, N.A.	4	7
Granite Bank	3	4
Northview Bank	3	6
Bell Bank	3	6
Frandsen Bank & Trust	3	5
Citadel Servicing Corporation	2	2
Citizens State Bank	2	2
Members Cooperative Credit Union	2	4
Fairway Independent Mort Corp	2	2
Kind Lending, LLC	2	2
North Shore Bank of Commerce	2	2
Village Capital & Investment	2	2
The Loan Store, Inc	1	1
HomeTown Bank	1	1
Navy Federal Credit Union	1	1
Sofi Bank, National Association	1	1
Bremer Bank NA	1	1
loanDepot.com LLC	1	2

Applications by race, ethnicity and sex, 2025

By race, Cook County, Minnesota: applications and denial rate
Category	Applications	Denial rate
American Indian or Alaska Native	under 10
Asian	under 10
Black or African American	under 10
White	185	18.3% of 131 decided
Joint	under 10
Race Not Available	71	9.8% of 51 decided

By ethnicity, Cook County, Minnesota: applications and denial rate
Category	Applications	Denial rate
Hispanic or Latino	under 10
Not Hispanic or Latino	184	17.8% of 129 decided
Joint	under 10
Ethnicity Not Available	75	14.0% of 57 decided

By sex, Cook County, Minnesota: applications and denial rate
Category	Applications	Denial rate
Male	74	25.5% of 51 decided
Female	45	no rate: base under 50
Joint	89	10.0% of 70 decided
Sex Not Available	61	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. 479 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 October 22, 2026