Becker County
Minnesota · FIPS 27005
According to CFPB HMDA 2024 application volume among U.S. counties, Becker County ranks #1,316 of 3,210, and #28 of 87 in Minnesota.
Mortgage lending activity in Becker County, Minnesota based on lender filings under the Home Mortgage Disclosure Act (HMDA). Data covers all applications received by HMDA-reporting institutions operating in this county during 2024. Why mortgages get denied walks the denial-reason codes that appear in books like this one.
Local mortgage market. Becker County, Minnesota saw 1,125 HMDA-reported mortgage applications in 2024. Lenders originated 736 of those loans and denied 128, producing a denial rate of 11.4% and an approval (origination) rate of 65.4%. The average loan amount was $239,658 at an average note rate of 6.97%, with applicants self-reporting average annual income of $37K. 100 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 6.5x, meaning typical borrowers took on mortgages of about 6.5 times their annual income. That ratio is a rough affordability signal: higher multiples imply tighter monthly budgets and greater exposure to rate or income shocks. See our methodology for how to read the denial rate against a local applicant pool. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Becker County
In Becker County, lead originator United Wholesale Mortgage funded 16.8% of 736 originated loans, above the county fleet's upper tercile (~16.7% top-1). The top three reporters together hold 42.8% of the book, so a handful of names dominate disclosed volume here.
Counties With Similar Application Volume
Nationwide counties nearest to Becker County's 1,125 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Becker County's $239,658 average loan (deduped against volume peers).
Lenders active in Becker County
United Wholesale Mortgage funded 124 of the 736 loans originated in Becker County, 16.8% of the county. 100 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | United Wholesale Mortgage | 124 | 16.8% |
| 2 | Bell Bank | 107 | 14.5% |
| 3 | Midwest Bank | 84 | 11.4% |
| 4 | Bremer Bank NA | 50 | 6.8% |
| 5 | Gate City Bank | 48 | 6.5% |
Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024. County FIPS codes per U.S. Census Bureau standards.
Data from FFIEC / CFPB HMDA Snapshot National Loan-Level Dataset (2024). Provided for informational purposes only; does not constitute financial advice for Becker County borrowers.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. This Becker County page draws directly on CFPB HMDA federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of 2026-08-10. HMDA figures are lender-filed application outcomes for a published reporting year - not creditworthiness scores, rate quotes, Loan Estimates, underwriting decisions, or mortgage advice.