Blue Earth County
Minnesota · FIPS 27013
According to CFPB HMDA 2024 application volume among U.S. counties, Blue Earth County ranks #1,052 of 3,223, and #19 of 87 in Minnesota.
Mortgage lending activity in Blue Earth 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. Blue Earth County, Minnesota lenders denied 229 of the applications reported here, financing the rest at an average note rate of 6.95%, with applicants self-reporting average annual income of $37K. 138 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 7.3x, meaning typical borrowers took on mortgages of about 7.3 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 Blue Earth County
In Blue Earth County, lead originator United Wholesale Mortgage funded 17.7% of 1,001 originated loans, above the county fleet's upper tercile (~16.7% top-1). The top three reporters together hold 28.3% of the book, so a handful of names dominate disclosed volume here.
Counties With Similar Application Volume
Nationwide counties nearest to Blue Earth County's 1,643 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Blue Earth County's $270,794 average loan (deduped against volume peers).
Lenders active in Blue Earth County
United Wholesale Mortgage funded 177 of the 1,001 loans originated in Blue Earth County, 17.7% of the county. 138 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | United Wholesale Mortgage | 177 | 17.7% |
| 2 | Rocket Mortgage | 53 | 5.3% |
| 3 | Crosscountry Mortgage, LLC | 53 | 5.3% |
| 4 | Community Bank Mankato | 47 | 4.7% |
| 5 | Us Bank, N.A. | 46 | 4.6% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Blue Earth County, from the FFIEC/CFPB HMDA Snapshot National Loan-Level Dataset (2024) -- county FIPS codes follow U.S. Census Bureau standards. Not financial advice for Blue Earth County borrowers. 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.