Mortgage lending in Stearns County
3,149 mortgages were originated in Stearns 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
- 3,149
- Median rate
- 6.625%
- Median lender fees
- $4,441
- Median loan amount
- $205,000
- Median spread over APOR
- 0.208
- Paid discount points
- 32.3%
- Received lender credits
- 21.6%
- Purchases / refinances
- 57.4% / 27.4%
- Conventional / FHA / VA
- 81.2% / 10.4% / 7.9%
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 73.1% 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 Stearns County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| MAGNIFI FINANCIAL CREDIT UNION | 355 | $3,768 | 6.250% |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | 151 | $5,158 | 6.625% |
| ST. CLOUD FINANCIAL | 149 | $895 | 6.000% |
| Liberty Bank Minnesota | 147 | $2,824 | 6.625% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 117 | $6,947 | 6.125% |
| Rocket Mortgage, LLC | 112 | $4,951 | 6.500% |
| PLAZA HOME MORTGAGE, INC. | 106 | $5,640 | 6.375% |
| Deerwood Bank | 91 | — | 7.250% |
| TRUSTONE FINANCIAL CREDIT UNION | 82 | $384 | 7.240% |
| U.S. Bank National Association | 81 | — | 7.950% |
What lenders charged here
Lender fees on a $205,000 loan, based on what was actually charged in Stearns County — not a rule of thumb.
From 2,303 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