PlainLender
2024 data HMDA 2024 disclosure official source

Isanti County

1,952 mortgage applications, 14.6% denial rate. Verify FIPS 27059 with U.S. Census Bureau →

PlainLender home → About this data

Minnesota · FIPS 27059

Local mortgage market. Isanti County, Minnesota saw 1,952 HMDA-reported mortgage applications in 2024. Lenders originated 1,099 of those loans and denied 285, producing a denial rate of 14.6% and an approval (origination) rate of 56.3%. The average loan amount was $219,129 at an average note rate of 6.98%, with applicants self-reporting average annual income of $39K. 156 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 5.6x, meaning typical borrowers took on mortgages of about 5.6 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.

FIPS 27059 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

1,952
Applications
1,099
Originated
14.6%
Denial Rate
56.3%
Approval Rate
$219,129
Avg Loan Amount
6.98%
Avg Interest Rate
$39K
Avg Applicant Income
5.6x
Loan-to-Income Ratio

Nearby Lenders in Isanti County

Top HMDA-reporting lenders active in this county. Compare any two side-by-side for rates, denial rates, and loan mix.

# Lender Originated Market Share
1 Affinity Plus Federal Credit Union 99 9.0%
2 Minnco Credit Union 92 8.4%
3 Bell Bank 61 5.6%
4 Crosscountry Mortgage, LLC 53 4.8%
5 United Wholesale Mortgage 50 4.5%
Compare Affinity Plus Federal Credit Union vs Minnco Credit Union →

Frequently Asked Questions

How many mortgage applications were filed in Isanti County?
In the 2024 HMDA reporting year, 1,952 mortgage applications were filed in Isanti County, Minnesota. Of these, 1,099 were originated (approved and funded), while 285 were denied, resulting in a denial rate of 14.6%.
What is the mortgage denial rate in Isanti County?
The mortgage denial rate in Isanti County is 14.6%. The approval (origination) rate is 56.3%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Isanti County?
The average mortgage loan amount in Isanti County is $219,129. The average interest rate is 6.980%. The average applicant income is $39K.
What is the loan-to-income ratio in Isanti County?
The average loan-to-income ratio in Isanti County is 5.6x, meaning borrowers took on loans averaging 5.6 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Isanti County?
The top mortgage lenders in Isanti County by origination volume are Affinity Plus Federal Credit Union, Minnco Credit Union, Bell Bank. In total, 156 lenders reported mortgage activity in this county.
Where does this mortgage data come from?
This data comes from the CFPB HMDA 2024 Snapshot National Loan-Level Dataset, a mandatory federal disclosure dataset covering all mortgage applications filed with HMDA-reporting institutions. County boundaries are identified by FIPS codes.

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.

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 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.