Mortgage lending in Winona County, Minnesota
Lenders in Winona County, Minnesota reported 1,393 mortgage applications for 2025, according to the CFPB.
1,393 mortgage applications and 1,051 loans originated in 2025; the denial rate was 12.2% of 1,238 applications decided. The median loan was about $145,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Winona County, MN.
- 1,393
- Applications
- 1,051
- Loans originated
- 12.2%
- Denial rate
- 151 denied of 1,238 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 1,393 | 1,051 |
| 2024 | 1,241 | 964 |
| 2023 | 1,259 | 973 |
| 2022 | 1,705 | 1,332 |
| 2021 | 2,572 | 2,052 |
| 2020 | 2,689 | 2,099 |
| 2019 | 1,925 | 1,485 |
| 2018 | 1,620 | 1,228 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Merchants Bank, National Association | 383 | 421 |
| Altra Federal Credit Union | 208 | 239 |
| WNB Financial | 38 | 45 |
| Affinity Plus Federal Credit Union | 37 | 53 |
| Bell Bank | 32 | 38 |
| United Wholesale Mortgage | 23 | 29 |
| Alerus Financial NA | 20 | 23 |
| Old National Bank | 16 | 25 |
| Rocket Mortgage | 16 | 20 |
| Peoples State Bank of Plainview | 14 | 15 |
| 21ST Mortgage | 13 | 38 |
| Marine Credit Union | 12 | 24 |
| Minnwest Bank | 11 | 14 |
| US Bank, N.A. | 11 | 22 |
| Bremer Bank NA | 10 | 12 |
| Esb Bank | 9 | 9 |
| Huntington National Bank | 7 | 8 |
| Triad Financial Services, Inc. | 7 | 32 |
| Compeer Financial | 7 | 9 |
| Mayo Employees Federal Credit Union | 7 | 11 |
| Think Mutual Bank | 6 | 8 |
| New American Funding, LLC. | 6 | 15 |
| CMG Mortgage Inc | 6 | 9 |
| Citizens State Bank | 5 | 5 |
| loanDepot.com LLC | 5 | 6 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | under 10 | |
| Asian | 11 | no rate: base under 50 |
| Black or African American | 18 | no rate: base under 50 |
| White | 1,186 | 11.2% of 1,060 decided |
| 2 or more minority races | under 10 | |
| Joint | 23 | no rate: base under 50 |
| Race Not Available | 151 | 18.9% of 127 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 30 | no rate: base under 50 |
| Not Hispanic or Latino | 1,193 | 12.0% of 1,067 decided |
| Joint | 15 | no rate: base under 50 |
| Ethnicity Not Available | 155 | 12.2% of 131 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 411 | 12.9% of 365 decided |
| Female | 291 | 19.4% of 258 decided |
| Joint | 600 | 8.2% of 540 decided |
| Sex Not Available | 91 | 13.3% of 75 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. 2011 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