Mortgage lending in Wright County
4,545 mortgages were originated in Wright County, Minnesota, in 2025.
30-year fixed, this week
6.71%
Freddie Mac's survey average for the week of September 3, 2026 — a year earlier it was 6.56%, and the past year ranged 5.98–6.71%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 4,545
- Median rate
- 6.624%
- Median lender fees
- $5,530
The going rate is the federal "average prime offer rate" for a comparable loan; 0.5 means half a percentage point above it.
- Median loan amount
- $285,000
- Above the going rate (spread over APOR)
- 0.215
- Paid discount points
- 43.7%
- Received lender credits
- 28.4%
- Purchases / refinances
- 58.3% / 24.4%
- Conventional / FHA / VA
- 80.5% / 12.2% / 6.6%
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 76.6% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $552,000
- Median home price
- $480,000
- That home, 20% down
- $384,000
A median-priced home with 20% down leaves $448,750 of room under the conforming limit, so the ceiling rarely binds on an ordinary purchase.
Borrow more than $832,750 and the loan becomes jumbo — outside agency rules, priced by each lender on its own terms. How limits work
Median price is HUD's figure for the 2026 limit calculation, not a live market quote.
Who lent here
Lenders with at least 50 loans in Wright County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| United Shore Financial Services, LLC | 234 | $7,910 | 6.125% |
| Rocket Mortgage, LLC | 224 | $4,811 | 6.625% |
| Bell Bank | 220 | $5,318 | 6.625% |
| Lennar Mortgage, LLC | 200 | $4,930 | 5.990% |
| Trustone Financial Credit Union | 184 | $399 | 7.250% |
| Blaze Credit Union | 135 | $258 | 6.500% |
| Crosscountry Mortgage, Inc. | 127 | $7,111 | 6.575% |
| Broker Solutions, Inc. | 121 | $8,181 | 6.750% |
| Fairway Independent Mortgage Corporation | 114 | $7,011 | 6.750% |
| U.S. Bank National Association | 113 | $3,708 | 8.350% |
What lenders charged here
Lender fees on a $285,000 loan, based on what was actually charged in Wright County — not a rule of thumb.
From 3,482 loans where fees were reported. This is what the lender charges — sections A and B of a Loan Estimate. Title, appraisal, taxes and the escrow deposit your lender collects up front for future tax and insurance bills are extra and not in these figures. Compare two offers