Mortgage lending in Minneapolis-St. Paul-Bloomington, MN-WI
83,852 mortgages were originated in the Minneapolis-St. Paul-Bloomington, MN-WI area in 2025, and here is what they cost.
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
- 83,852
- Median rate
- 6.625%
- Median lender fees
- $4,910
- Median loan amount
- $265,000
- Median spread over APOR
- 0.229
- Paid discount points
- 37.5%
- Received lender credits
- 26.3%
- Purchases / refinances
- 56.1% / 23.2%
- Conventional / FHA / VA
- 87.6% / 7.6% / 4.5%
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 72.7% of loans here — see methodology.
Who lent here
Lenders with at least 50 loans in the Minneapolis-St. Paul-Bloomington, MN-WI area, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Bell Bank | 5,079 | $5,025 | 6.625% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 4,416 | $7,495 | 6.378% |
| TRUSTONE FINANCIAL CREDIT UNION | 3,764 | $443 | 7.250% |
| Rocket Mortgage, LLC | 3,747 | $5,055 | 6.625% |
| U.S. Bank National Association | 3,309 | $3,619 | 8.150% |
| CROSSCOUNTRY MORTGAGE, INC. | 2,578 | $6,551 | 6.625% |
| Wings Financial Credit Union | 2,369 | $3,915 | 7.250% |
| Blaze Credit Union | 2,330 | $531 | 6.375% |
| AFFINITY PLUS | 2,164 | $345 | 6.625% |
| Royal Credit Union | 1,963 | $5,865 | 6.750% |