Mortgage lending in Koochiching County, Minnesota

Lenders in Koochiching County, Minnesota reported 254 mortgage applications for 2025, according to the CFPB.

254 mortgage applications and 173 loans originated in 2025; the denial rate was 13.4% of 209 applications decided. The median loan was about $125,000. From 2025, the CFPB’s Snapshot release.

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

254
Applications: 173
Loans originated: 13.4%
Denial rate: 28 denied of 209 applications decided.

Every year

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Mortgage applications and loans originated in Koochiching County, Minnesota, by year
Year	Applications	Originated	Denied
2025	254	173	28
2024	269	167	49
2023	198	145	20
2022	274	200	32
2021	450	321	60
2020	420	318	31
2019	345	240	63
2018	284	194	56

The largest lenders here

Lenders in Koochiching County, Minnesota by loans originated, 2025
Lender	Originated	Applications
Servion	50	58
Rocket Mortgage	18	27
Mortgage Research Center	15	24
Border Bank	14	20
New American Funding, LLC.	6	11
Old National Bank	5	8
Fairway Independent Mort Corp	4	4
Guaranteed Rate, Inc.	4	6
National Bank of Commerce	4	4
Wells Fargo Bank NA	4	5
Bremer Bank NA	3	3
United Wholesale Mortgage	3	5
Affinity Plus Federal Credit Union	3	5
Deerwood Bank	3	4
US Bank, N.A.	3	6
Figure Lending LLC	2	5
Coastal Community Bank	2	4
American Neighborhood Mortgage Acceptance Company	2	2
Mutual of Omaha Mortgage	2	2
Blaze Credit Union	2	2
Bell Bank	2	3
North Shore Federal Credit Union	1	1
Zillow Home Loans, LLC	1	1
Marine Credit Union	1	1
M Squared Financial LLC	1	2

Applications by race, ethnicity and sex, 2025

By race, Koochiching County, Minnesota: applications and denial rate
Category	Applications	Denial rate
American Indian or Alaska Native	under 10
Black or African American	under 10
White	213	12.5% of 176 decided
Joint	under 10
Race Not Available	30	no rate: base under 50

By ethnicity, Koochiching County, Minnesota: applications and denial rate
Category	Applications	Denial rate
Hispanic or Latino	under 10
Not Hispanic or Latino	219	12.2% of 181 decided
Joint	under 10
Ethnicity Not Available	32	no rate: base under 50

By sex, Koochiching County, Minnesota: applications and denial rate
Category	Applications	Denial rate
Male	100	14.1% of 85 decided
Female	56	no rate: base under 50
Joint	78	11.1% of 63 decided
Sex Not Available	20	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. 2392 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