Mortgage lending in Washington County
7,386 mortgages were originated in Washington 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
- 7,386
- Median rate
- 6.625%
- Median lender fees
- $4,882
- Median loan amount
- $285,000
- Median spread over APOR
- 0.192
- Paid discount points
- 38.7%
- Received lender credits
- 27%
- Purchases / refinances
- 56.5% / 21.3%
- Conventional / FHA / VA
- 87.9% / 6.7% / 5.2%
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
- $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 Washington County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Bell Bank | 487 | $5,279 | 6.625% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 401 | $7,925 | 6.375% |
| U.S. Bank National Association | 343 | $3,672 | 8.400% |
| Rocket Mortgage, LLC | 299 | $4,254 | 6.625% |
| Blaze Credit Union | 255 | $577 | 6.375% |
| Royal Credit Union | 230 | $5,859 | 6.625% |
| CROSSCOUNTRY MORTGAGE, INC. | 208 | $6,570 | 6.575% |
| AFFINITY PLUS | 208 | $305 | 6.500% |
| TRUSTONE FINANCIAL CREDIT UNION | 208 | $449 | 7.250% |
| IDEAL Credit Union | 190 | $2,306 | 4.490% |
What lenders charged here
Lender fees on a $285,000 loan, based on what was actually charged in Washington County — not a rule of thumb.
From 5,407 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