Mortgage lending in Isanti County
1,189 mortgages were originated in Isanti 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
- 1,189
- Median rate
- 6.740%
- Median lender fees
- $4,994
- Median loan amount
- $245,000
- Median spread over APOR
- 0.386
- Paid discount points
- 40.7%
- Received lender credits
- 28.2%
- Purchases / refinances
- 49.4% / 27.2%
- Conventional / FHA / VA
- 79.5% / 12.3% / 7.1%
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 78.8% 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 Isanti County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| AFFINITY PLUS | 112 | $320 | 6.740% |
| MINNCO CREDIT UNION | 72 | — | 7.500% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 71 | $7,614 | 6.250% |
| Rocket Mortgage, LLC | 61 | $5,404 | 6.490% |
| Bell Bank | 60 | — | 6.625% |
| CROSSCOUNTRY MORTGAGE, INC. | 52 | — | 6.575% |
What lenders charged here
Lender fees on a $245,000 loan, based on what was actually charged in Isanti County — not a rule of thumb.
From 937 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