Mortgage lending in Stearns County, Minnesota
Lenders in Stearns County, Minnesota reported 4,530 mortgage applications for 2025, according to the CFPB.
4,530 mortgage applications and 3,149 loans originated in 2025; the denial rate was 13.8% of 3,804 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: St. Cloud, MN MSA.
- 4,530
- Applications
- 3,149
- Loans originated
- 13.8%
- Denial rate
- 525 denied of 3,804 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 4,530 | 3,149 |
| 2024 | 4,081 | 2,935 |
| 2023 | 3,688 | 2,658 |
| 2022 | 4,910 | 3,494 |
| 2021 | 9,046 | 6,848 |
| 2020 | 9,864 | 7,613 |
| 2019 | 5,854 | 4,383 |
| 2018 | 5,154 | 3,806 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Magnifi Financial Credit Union | 355 | 492 |
| Homeowners Financial Group, LLC | 151 | 200 |
| St. Cloud Financial Credit Union | 149 | 180 |
| Liberty Bank Minnesota | 147 | 169 |
| United Wholesale Mortgage | 117 | 159 |
| Rocket Mortgage | 112 | 149 |
| Plaza Home Mortgage, Inc | 106 | 121 |
| Deerwood Bank | 91 | 99 |
| Trustone Financial Credit Union | 82 | 116 |
| US Bank, N.A. | 81 | 155 |
| Affinity Plus Federal Credit Union | 69 | 98 |
| Old National Bank | 67 | 83 |
| Fairway Independent Mort Corp | 67 | 81 |
| New American Funding, LLC. | 57 | 90 |
| Mortgage Research Center | 54 | 83 |
| Bell Bank | 49 | 54 |
| Everett Financial, Inc. | 45 | 78 |
| Sentry Bank | 44 | 49 |
| Crosscountry Mortgage, LLC | 41 | 57 |
| Granite Bank | 39 | 49 |
| Primelending | 38 | 49 |
| Freeport State Bank | 37 | 38 |
| Freedom Mortgage Corporation | 37 | 85 |
| Minnesota National Bank | 36 | 36 |
| Pennymac Loan Services LLC | 36 | 61 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 44 | no rate: base under 50 |
| Asian | 69 | 19.6% of 56 decided |
| Black or African American | 166 | 23.8% of 122 decided |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 3,609 | 13.3% of 3,072 decided |
| 2 or more minority races | under 10 | |
| Joint | 70 | 1.8% of 56 decided |
| Race Not Available | 565 | 15.0% of 454 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 227 | 20.1% of 169 decided |
| Not Hispanic or Latino | 3,677 | 13.5% of 3,126 decided |
| Joint | 58 | no rate: base under 50 |
| Ethnicity Not Available | 568 | 14.3% of 460 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 1,513 | 16.5% of 1,228 decided |
| Female | 902 | 21.7% of 773 decided |
| Joint | 1,765 | 7.8% of 1,516 decided |
| Sex Not Available | 350 | 12.2% of 287 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. 1017 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