Renville County
Minnesota · FIPS 27129
According to CFPB HMDA 2024 application volume among U.S. counties, Renville County ranks #2,165 of 3,210, and #55 of 87 in Minnesota.
Mortgage lending activity in Renville 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. Renville County, Minnesota saw 401 HMDA-reported mortgage applications in 2024. Lenders originated 228 of those loans and denied 54, producing a denial rate of 13.5% and an approval (origination) rate of 56.9%. The average loan amount was $143,728 at an average note rate of 6.75%, with applicants self-reporting average annual income of $35K. 64 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 4.1x, meaning typical borrowers took on mortgages of about 4.1 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 Renville County
In Renville County, lead originator HomeTown Bank funded 14.5% of 228 originated loans, in the middle tercile of U.S. counties (~10.9-16.7% top-1). The top three reporters together hold 25.0% of the book; a local credit union or regional bank still sits beside the national wholesalers.
Counties With Similar Application Volume
Nationwide counties nearest to Renville County's 401 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Renville County's $143,728 average loan (deduped against volume peers).
Lenders active in Renville County
HomeTown Bank funded 33 of the 228 loans originated in Renville County, 14.5% of the county. 64 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | HomeTown Bank | 33 | 14.5% |
| 2 | Frandsen Bank & Trust | 14 | 6.1% |
| 3 | Trustone Financial Credit Union | 10 | 4.4% |
| 4 | Ark-La-Tex Financial Services LLC | 10 | 4.4% |
| 5 | Minnwest Bank | 10 | 4.4% |
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 Renville 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 Renville 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.