Mortgage lending in Houston County, Minnesota
Lenders in Houston County, Minnesota reported 550 mortgage applications for 2025, according to the CFPB.
550 mortgage applications and 423 loans originated in 2025; the denial rate was 9.1% of 485 applications decided. The median loan was about $175,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the low-income housing hub: La Crosse-Onalaska, WI-MN HUD Metro FMR Area.
- 550
- Applications
- 423
- Loans originated
- 9.1%
- Denial rate
- 44 denied of 485 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 550 | 423 |
| 2024 | 502 | 354 |
| 2023 | 498 | 373 |
| 2022 | 606 | 479 |
| 2021 | 1,024 | 809 |
| 2020 | 1,104 | 887 |
| 2019 | 811 | 653 |
| 2018 | 651 | 531 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Altra Federal Credit Union | 147 | 180 |
| Merchants Bank, National Association | 59 | 64 |
| Esb Bank | 41 | 42 |
| United Wholesale Mortgage | 11 | 15 |
| Servion | 10 | 10 |
| Rocket Mortgage | 10 | 13 |
| US Bank, N.A. | 10 | 15 |
| BMO Harris Bank NA | 9 | 15 |
| State Bank Financial | 8 | 8 |
| Marine Credit Union | 6 | 15 |
| Alerus Financial NA | 6 | 13 |
| Old National Bank | 5 | 5 |
| Union Home Mortgage Corp. | 5 | 7 |
| Bell Bank | 5 | 7 |
| WNB Financial | 4 | 4 |
| loanDepot.com LLC | 4 | 4 |
| Kind Lending, LLC | 4 | 4 |
| Firefighters Credit Union | 3 | 4 |
| Citizens State Bank | 3 | 3 |
| The First National Bank of Bangor | 3 | 3 |
| CMG Mortgage Inc | 3 | 3 |
| Crosscountry Mortgage, LLC | 3 | 3 |
| Associated Bank NA | 3 | 4 |
| Bluff View Bank | 2 | 2 |
| Prosperity Home Mortgage, LLC | 2 | 2 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | under 10 | |
| Asian | under 10 | |
| Black or African American | under 10 | |
| White | 479 | 9.1% of 430 decided |
| Joint | under 10 | |
| Race Not Available | 56 | no rate: base under 50 |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | under 10 | |
| Not Hispanic or Latino | 477 | 8.7% of 426 decided |
| Joint | under 10 | |
| Ethnicity Not Available | 61 | no rate: base under 50 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 134 | 11.4% of 114 decided |
| Female | 107 | 13.7% of 95 decided |
| Joint | 275 | 6.4% of 249 decided |
| Sex Not Available | 34 | 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. 1422 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