Mortgage lending in Goodhue County
998 mortgages were originated in Goodhue 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
- 998
- Median rate
- 6.625%
- Median lender fees
- $5,022
- Median loan amount
- $215,000
- Median spread over APOR
- 0.274
- Paid discount points
- 36.5%
- Received lender credits
- 24.4%
- Purchases / refinances
- 56.6% / 26.1%
- Conventional / FHA / VA
- 82.3% / 9.7% / 6.7%
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 73.2% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $541,287
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 Goodhue County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Merchants Bank, National Association | 89 | $3,420 | 6.275% |
| Bell Bank | 62 | $5,142 | 6.625% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 61 | $6,483 | 6.374% |
What lenders charged here
Lender fees on a $215,000 loan, based on what was actually charged in Goodhue County — not a rule of thumb.
From 731 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