Mortgage lending in Hennepin County
25,783 mortgages were originated in Hennepin 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
- 25,783
- Median rate
- 6.625%
- Median lender fees
- $4,959
- Median loan amount
- $275,000
- Median spread over APOR
- 0.204
- Paid discount points
- 35.4%
- Received lender credits
- 27%
- Purchases / refinances
- 58.3% / 22%
- Conventional / FHA / VA
- 91.3% / 5.8% / 2.8%
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 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 Hennepin County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Bell Bank | 1,846 | $4,998 | 6.625% |
| TRUSTONE FINANCIAL CREDIT UNION | 1,489 | $459 | 7.250% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 1,412 | $7,345 | 6.490% |
| U.S. Bank National Association | 1,142 | $3,729 | 7.850% |
| Rocket Mortgage, LLC | 1,056 | $5,285 | 6.625% |
| Wings Financial Credit Union | 858 | $3,950 | 7.250% |
| CROSSCOUNTRY MORTGAGE, INC. | 809 | $6,147 | 6.625% |
| The Huntington National Bank | 652 | $4,738 | 7.140% |
| Fairway Independent Mortgage Corporation | 549 | $5,961 | 6.625% |
| Blaze Credit Union | 519 | $461 | 6.125% |
What lenders charged here
Lender fees on a $275,000 loan, based on what was actually charged in Hennepin County — not a rule of thumb.
From 18,580 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