Mortgage lending in Carver County
3,090 mortgages were originated in Carver County, Minnesota, in 2025.
30-year fixed, this week
6.58%
Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 3,090
- Median rate
- 6.625%
- Median lender fees
- $5,120
- Median loan amount
- $305,000
- Median spread over APOR
- 0.110
- Paid discount points
- 37.8%
- Received lender credits
- 26.7%
- Purchases / refinances
- 55.3% / 23.8%
- Conventional / FHA / VA
- 90.3% / 5.5% / 4%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 72.1% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $552,000
Borrow more than $832,750 and the loan becomes jumbo — outside agency rules, priced by each lender on its own terms. How limits work
Who lent here
Lenders with at least 50 loans in Carver County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Bell Bank | 201 | $5,415 | 6.625% |
| LENNAR MORTGAGE, LLC | 157 | $5,006 | 5.990% |
| Old National Bank | 154 | $4,074 | 5.990% |
| Rocket Mortgage, LLC | 148 | $4,392 | 6.688% |
| U.S. Bank National Association | 133 | $3,216 | 8.500% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 130 | $6,826 | 6.490% |
| TRUSTONE FINANCIAL CREDIT UNION | 118 | $432 | 7.250% |
| Wings Financial Credit Union | 118 | — | 7.250% |
| CROSSCOUNTRY MORTGAGE, INC. | 92 | $6,545 | 6.625% |
| Tradition Mortgage, LLC | 87 | $7,227 | 6.624% |
What lenders charged here
Lender fees on a $305,000 loan, based on what was actually charged in Carver County — not a rule of thumb.
From 2,229 loans where fees were reported. This is what the lender charges — sections A and B of a Loan Estimate. Title, appraisal, escrow and taxes are extra and are not in these figures. Compare two offers