Crow Wing County
Minnesota · FIPS 27035
According to CFPB HMDA 2024 application volume among U.S. counties, Crow Wing County ranks #806 of 3,223, and #14 of 87 in Minnesota.
Mortgage lending activity in Crow Wing 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. Crow Wing County, Minnesota lenders denied 289 of the applications reported here, financing the rest at an average note rate of 7.06%, with applicants self-reporting average annual income of $37K. 203 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 6.7x, meaning typical borrowers took on mortgages of about 6.7 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 Crow Wing County
In Crow Wing County, lead originator Deerwood Bank funded only 8.1% of 1,632 originated loans, below the county fleet's lower tercile (~10.9% top-1 share). The top three reporters together hold 18.4% of the book, so shopping across channels still meets many active filers.
Counties With Similar Application Volume
Nationwide counties nearest to Crow Wing County's 2,563 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Crow Wing County's $248,804 average loan (deduped against volume peers).
Lenders active in Crow Wing County
Deerwood Bank funded 132 of the 1,632 loans originated in Crow Wing County, 8.1% of the county. 203 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Deerwood Bank | 132 | 8.1% |
| 2 | Affinity Plus Federal Credit Union | 86 | 5.3% |
| 3 | Rocket Mortgage | 82 | 5.0% |
| 4 | First Western Bank & Trust | 64 | 3.9% |
| 5 | RiverWood Bank | 62 | 3.8% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Crow Wing 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 Crow Wing 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.