Mortgage lending in Crow Wing County
1,786 mortgages were originated in Crow Wing County, Minnesota, in 2025.
30-year fixed, this week
6.71%
Freddie Mac's survey average for the week of September 3, 2026 — a year earlier it was 6.56%, and the past year ranged 5.98–6.71%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 1,786
- Median rate
- 6.625%
- Median lender fees
- $4,919
The going rate is the federal "average prime offer rate" for a comparable loan; 0.5 means half a percentage point above it.
- Median loan amount
- $225,000
- Above the going rate (spread over APOR)
- 0.236
- Paid discount points
- 31.9%
- Received lender credits
- 26.9%
- Purchases / refinances
- 55.2% / 28.8%
- Conventional / FHA / VA
- 84.4% / 8% / 6.8%
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 74.4% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $541,287
- Median home price
- $256,000
- That home, 20% down
- $204,800
A median-priced home with 20% down leaves $627,950 of room under the conforming limit, so the ceiling rarely binds on an ordinary purchase.
Borrow more than $832,750 and the loan becomes jumbo — outside agency rules, priced by each lender on its own terms. How limits work
Median price is HUD's figure for the 2026 limit calculation, not a live market quote.
Who lent here
Lenders with at least 50 loans in Crow Wing County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Deerwood Bank | 158 | $4,217 | 7.250% |
| Rocket Mortgage, LLC | 87 | $5,711 | 6.500% |
| Affinity Plus | 78 | $260 | 6.495% |
| Granite Bank | 75 | $5,911 | 6.625% |
| U.S. Bank National Association | 71 | $4,035 | 6.750% |
| First Western Bank & Trust | 66 | $4,643 | 6.563% |
| United Shore Financial Services, LLC | 59 | $7,583 | 6.124% |
| National Bank of Commerce | 53 | — | 6.880% |
What lenders charged here
Lender fees on a $225,000 loan, based on what was actually charged in Crow Wing County — not a rule of thumb.
From 1,328 loans where fees were reported. This is what the lender charges — sections A and B of a Loan Estimate. Title, appraisal, taxes and the escrow deposit your lender collects up front for future tax and insurance bills are extra and not in these figures. Compare two offers