Le Sueur County
Minnesota · FIPS 27079
According to CFPB HMDA 2024 application volume among U.S. counties, Le Sueur County ranks #1,425 of 3,223, and #34 of 87 in Minnesota.
Mortgage lending activity in Le Sueur 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. Le Sueur County, Minnesota lenders denied 126 of the applications reported here, financing the rest at an average note rate of 6.95%, with applicants self-reporting average annual income of $38K. 117 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 5.4x, meaning typical borrowers took on mortgages of about 5.4 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 Le Sueur County
In Le Sueur County, lead originator United Wholesale Mortgage funded only 6.9% of 641 originated loans, below the county fleet's lower tercile (~10.9% top-1 share). The top three reporters together hold 17.3% of the book, so shopping across channels still meets many active filers.
Counties With Similar Application Volume
Nationwide counties nearest to Le Sueur County's 1,014 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Le Sueur County's $206,765 average loan (deduped against volume peers).
Lenders active in Le Sueur County
United Wholesale Mortgage funded 44 of the 641 loans originated in Le Sueur County, 6.9% of the county. 117 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | United Wholesale Mortgage | 44 | 6.9% |
| 2 | Frandsen Bank & Trust | 36 | 5.6% |
| 3 | First National Bank of Le Center | 31 | 4.8% |
| 4 | Affinity Plus Federal Credit Union | 28 | 4.4% |
| 5 | First Bank & Trust | 27 | 4.2% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Le Sueur 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 Le Sueur 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.