Mortgage lending in Roseau County, Minnesota

Lenders in Roseau County, Minnesota reported 303 mortgage applications for 2025, according to the CFPB.

303 mortgage applications and 211 loans originated in 2025; the denial rate was 13.3% of 248 applications decided. The median loan was about $165,000. From 2025, the CFPB’s Snapshot release.

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

303
Applications: 211
Loans originated: 13.3%
Denial rate: 33 denied of 248 applications decided.

Every year

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Mortgage applications and loans originated in Roseau County, Minnesota, by year
Year	Applications	Originated	Denied
2025	303	211	33
2024	269	188	33
2023	261	194	27
2022	318	213	47
2021	528	380	48
2020	498	363	52
2019	387	284	43
2018	299	223	34

The largest lenders here

Lenders in Roseau County, Minnesota by loans originated, 2025
Lender	Originated	Applications
Border Bank	65	77
New American Funding, LLC.	65	78
Rocket Mortgage	15	22
Affinity Plus Federal Credit Union	5	7
Mortgage Research Center	4	8
United Wholesale Mortgage	4	8
US Bank, N.A.	4	7
Summit Mortgage Corporation	3	3
Mutual of Omaha Mortgage	3	3
Navy Federal Credit Union	2	3
loanDepot.com LLC	2	4
Weichert Financial Services	2	2
V.i.p. Mortgage, Inc.	2	2
Barrington Bank & Trust Company, N.A.	2	5
Wells Fargo Bank NA	2	2
Nations Lending Corporation	1	1
Schaumburg Bank & Trust Company, N.A.	1	1
Huntington National Bank	1	1
Nicolet National Bank	1	1
Coastal Community Bank	1	3
Planet Home Lending, LLC	1	1
Farm Credit Mid-America, Aca	1	1
Presidential Bank, FSB	1	1
Bremer Bank NA	1	1
American Financing Corporation	1	1

Applications by race, ethnicity and sex, 2025

By race, Roseau County, Minnesota: applications and denial rate
Category	Applications	Denial rate
Asian	under 10
Black or African American	under 10
White	259	10.9% of 220 decided
Joint	under 10
Race Not Available	34	no rate: base under 50

By ethnicity, Roseau County, Minnesota: applications and denial rate
Category	Applications	Denial rate
Hispanic or Latino	withheld
Not Hispanic or Latino	256	11.4% of 219 decided
Joint	under 10
Ethnicity Not Available	35	no rate: base under 50

By sex, Roseau County, Minnesota: applications and denial rate
Category	Applications	Denial rate
Male	108	11.4% of 88 decided
Female	48	no rate: base under 50
Joint	123	13.8% of 109 decided
Sex Not Available	24	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. 1588 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