Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Wright County, Minnesota
Every institution that decided a 1–4 unit mortgage application in Wright County, home to Otsego, between 2023 and 2025: 13,254 applications, 10,920 loans actually funded, across 8 kinds of borrowing.
Wright County at a glance
13,254Applications decided
2023–2025
10,920Loans funded
82% of decisions
27Census tracts
11 ZIP codes
145,270People
ACS 2023
What the data shows
The typical purchase mortgage here is $325K.
Lending by loan type in Wright County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 90.1% | 7,966 | $325K | 97% | 291 |
| Home improvement loans | 76.9% | 1,703 | $55K | 93% | 106 |
| Cash-out refinance | 75.1% | 1,567 | $155K | 95% | 159 |
| Refinance | 81.5% | 1,503 | $265K | 93% | 192 |
| Investment property purchase | 95.0% | 364 | $255K | 98% | 130 |
| Investment cash-out refinance | 75.8% | 33 | $195K | 100% | 26 |
| Investment refinance | 91.7% | 84 | $225K | 99% | 48 |
| Investment home improvement | 70.6% | 34 | $105K | 83% | 23 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.