Mortgage lending in Mille Lacs County, Minnesota
Lenders in Mille Lacs County, Minnesota reported 1,265 mortgage applications for 2025, according to the CFPB.
1,265 mortgage applications and 811 loans originated in 2025; the denial rate was 18.6% of 1,047 applications decided. The median loan was about $205,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Mille Lacs County, MN HUD Metro FMR Area.
- 1,265
- Applications
- 811
- Loans originated
- 18.6%
- Denial rate
- 195 denied of 1,047 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 1,265 | 811 |
| 2024 | 1,084 | 702 |
| 2023 | 978 | 607 |
| 2022 | 1,177 | 706 |
| 2021 | 2,170 | 1,454 |
| 2020 | 2,035 | 1,369 |
| 2019 | 1,446 | 921 |
| 2018 | 1,225 | 795 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Blaze Credit Union | 93 | 136 |
| Crosscountry Mortgage, LLC | 50 | 69 |
| The First National Bank of Milaca | 47 | 62 |
| United Wholesale Mortgage | 44 | 58 |
| Rocket Mortgage | 33 | 50 |
| New American Funding, LLC. | 26 | 47 |
| Sherburne State Bank | 22 | 26 |
| Affinity Plus Federal Credit Union | 21 | 27 |
| Bell Bank | 20 | 26 |
| Trustone Financial Credit Union | 16 | 25 |
| Old National Bank | 15 | 20 |
| Guaranteed Rate, Inc. | 15 | 21 |
| First Bank & Trust | 13 | 19 |
| Everett Financial, Inc. | 13 | 16 |
| Granite Bank | 12 | 12 |
| Merchants Bank, National Association | 12 | 12 |
| Megastar Finanacial Corp | 12 | 13 |
| Minnco Credit Union | 12 | 17 |
| loanDepot.com LLC | 10 | 16 |
| Woodlands National Bank | 9 | 14 |
| Mortgage Research Center | 9 | 19 |
| Frandsen Bank & Trust | 9 | 11 |
| Paramount Residential Mortgage | 8 | 12 |
| Prosperity Home Mortgage, LLC | 8 | 10 |
| Fairway Independent Mort Corp | 8 | 9 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 17 | no rate: base under 50 |
| Asian | 14 | no rate: base under 50 |
| Black or African American | withheld | |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 1,048 | 16.9% of 877 decided |
| Joint | 25 | no rate: base under 50 |
| Race Not Available | 149 | 27.4% of 117 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 24 | no rate: base under 50 |
| Not Hispanic or Latino | 1,053 | 17.2% of 873 decided |
| Joint | 10 | no rate: base under 50 |
| Ethnicity Not Available | 178 | 26.5% of 147 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 479 | 21.2% of 387 decided |
| Female | 211 | 21.8% of 174 decided |
| Joint | 477 | 15.1% of 410 decided |
| Sex Not Available | 98 | 17.1% of 76 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. 1016 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