Mortgage lending in Scott County, Minnesota
Lenders in Scott County, Minnesota reported 5,759 mortgage applications for 2025, according to the CFPB.
5,759 mortgage applications and 3,864 loans originated in 2025; the denial rate was 16.1% of 4,838 applications decided. The median loan was about $285,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Minneapolis-St. Paul-Bloomington, MN-WI HUD Metro FMR Area.
- 5,759
- Applications
- 3,864
- Loans originated
- 16.1%
- Denial rate
- 781 denied of 4,838 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 5,759 | 3,864 |
| 2024 | 5,179 | 3,477 |
| 2023 | 4,850 | 3,281 |
| 2022 | 6,992 | 4,715 |
| 2021 | 14,458 | 10,447 |
| 2020 | 16,577 | 12,013 |
| 2019 | 9,401 | 6,789 |
| 2018 | 7,248 | 5,041 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Trustone Financial Credit Union | 223 | 320 |
| Bell Bank | 211 | 247 |
| Rocket Mortgage | 191 | 251 |
| Wings Financial Credit Union | 182 | 292 |
| United Wholesale Mortgage | 181 | 225 |
| US Bank, N.A. | 135 | 268 |
| Fairway Independent Mort Corp | 99 | 135 |
| DHI Mortgage Company, LTD. | 95 | 124 |
| Lennar Mortgage, LLC | 85 | 95 |
| Crosscountry Mortgage, LLC | 83 | 100 |
| Old National Bank | 80 | 123 |
| Affinity Plus Federal Credit Union | 77 | 117 |
| Prosperity Home Mortgage, LLC | 65 | 82 |
| Blaze Credit Union | 55 | 91 |
| Luminate Bank | 54 | 68 |
| Wells Fargo Bank NA | 53 | 86 |
| Tradition Mortgage, LLC | 52 | 52 |
| Huntington National Bank | 50 | 98 |
| New American Funding, LLC. | 50 | 81 |
| M/I Financial. LLC | 50 | 63 |
| Granite Bank | 49 | 60 |
| Pennymac Loan Services LLC | 48 | 74 |
| Frandsen Bank & Trust | 42 | 50 |
| Alerus Financial NA | 41 | 46 |
| Royal Credit Union | 39 | 52 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 22 | no rate: base under 50 |
| Asian | 378 | 23.0% of 309 decided |
| Black or African American | 324 | 24.3% of 263 decided |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 4,079 | 14.4% of 3,483 decided |
| 2 or more minority races | 12 | no rate: base under 50 |
| Joint | 144 | 15.7% of 121 decided |
| Free Form Text Only | under 10 | |
| Race Not Available | 794 | 19.0% of 627 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 278 | 31.8% of 239 decided |
| Not Hispanic or Latino | 4,593 | 15.0% of 3,885 decided |
| Joint | 103 | 12.6% of 87 decided |
| Ethnicity Not Available | 785 | 17.9% of 627 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 1,763 | 19.4% of 1,456 decided |
| Female | 1,015 | 21.2% of 867 decided |
| Joint | 2,547 | 11.4% of 2,179 decided |
| Sex Not Available | 434 | 19.4% of 336 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. 352 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