Mortgage lending in Otter Tail County, Minnesota
Lenders in Otter Tail County, Minnesota reported 1,791 mortgage applications for 2025, according to the CFPB.
1,791 mortgage applications and 1,242 loans originated in 2025; the denial rate was 14.6% of 1,496 applications decided. The median loan was about $195,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Otter Tail County, MN.
- 1,791
- Applications
- 1,242
- Loans originated
- 14.6%
- Denial rate
- 219 denied of 1,496 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 1,791 | 1,242 |
| 2024 | 1,696 | 1,198 |
| 2023 | 1,518 | 1,075 |
| 2022 | 2,025 | 1,402 |
| 2021 | 3,760 | 2,742 |
| 2020 | 4,246 | 3,165 |
| 2019 | 2,614 | 1,861 |
| 2018 | 2,155 | 1,540 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Bell Bank | 161 | 197 |
| United Wholesale Mortgage | 111 | 146 |
| Gate City Bank | 101 | 133 |
| Affinity Plus Federal Credit Union | 75 | 97 |
| Rocket Mortgage | 51 | 80 |
| US Bank, N.A. | 46 | 75 |
| Tradition Mortgage, LLC | 38 | 38 |
| Old National Bank | 35 | 51 |
| American Federal Bank | 35 | 45 |
| Magnifi Financial Credit Union | 32 | 43 |
| BMO Harris Bank NA | 29 | 42 |
| First International Bank & Trust | 23 | 24 |
| Primary Residential Mortgage, INC. | 23 | 23 |
| Bremer Bank NA | 20 | 22 |
| loanDepot.com LLC | 20 | 25 |
| Merchants Bank, National Association | 18 | 26 |
| Mortgage Research Center | 17 | 42 |
| Granite Bank | 16 | 19 |
| Midwest Bank | 15 | 15 |
| Wells Fargo Bank NA | 14 | 21 |
| First Community Credit Union | 13 | 15 |
| Trustone Financial Credit Union | 13 | 15 |
| Pennymac Loan Services LLC | 12 | 22 |
| First Western Bank & Trust | 11 | 13 |
| Envoy Mortgage, LTD | 11 | 14 |
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 | 10 | no rate: base under 50 |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 1,533 | 14.6% of 1,304 decided |
| 2 or more minority races | under 10 | |
| Joint | 17 | no rate: base under 50 |
| Race Not Available | 216 | 16.3% of 160 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 32 | no rate: base under 50 |
| Not Hispanic or Latino | 1,508 | 14.4% of 1,278 decided |
| Joint | withheld | |
| Ethnicity Not Available | 230 | 14.9% of 174 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 558 | 19.8% of 465 decided |
| Female | 280 | 18.6% of 242 decided |
| Joint | 819 | 10.1% of 696 decided |
| Sex Not Available | 134 | 12.9% of 93 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. 1147 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