Tier 3 · Development · noindex until quality gates pass · quality score 43/100
Research mortgage companies in Clay County, Minnesota
1 in-county HQ company. Local means a licensed business address in this county — not statewide license alone.
Federal mortgage data · HMDA
What the federal data shows — Clay County
Source: 2025 HMDA · Minnesota (MN) county-level activity · Not a score or ranking
Denials ÷ applications (cleaned HMDA county extract)
Share of purchase vs refi among those purposes
Loan-type mix (originations)
- Conventional83.1% · 1,290
- FHA9.9% · 154
- VA6.6% · 103
- USDA / RHS0.0% · 5
Purchase vs refinance
Bar shows purchase share of purchase + refinance.
Most active matched lenders in this county
Ranked by actual HMDA originations in Clay County (2025). Only institutions matched to our directory evidence set are linked.
| Lender | Originations | County share |
|---|---|---|
| 549300TQVOMKNKFOH392 | 251 | 16.2% |
| Bell Bank | 233 | 15.0% |
| United Wholesale Mortgage, LLC | 85 | 5.5% |
| Rocket Mortgage, LLC | 61 | 3.9% |
| 213800THW6KSUL191M34 | 58 | 3.7% |
| 5493000JZXUB8NOEMF64 | 49 | 3.2% |
| 549300PLVU3OBFUIPI18 | 45 | 2.9% |
| U.S. Bank National Association | 43 | 2.8% |
| 5493002LPXKMOZNXUY90 | 41 | 2.6% |
| 254900P681DTTH4I3144 | 33 | 2.1% |
| GUILD MORTGAGE COMPANY LLC | 32 | 2.1% |
| Granite Bank | 28 | 1.8% |
Data as of 2025 HMDA. Figures are derived from public HMDA records published by the CFPB/FFIEC Data Browser. They reflect reported mortgage applications and originations, not a rating or endorsement. CFPB/FFIEC HMDA Data Browser.
We show the public record. You decide.
Only 1 listed lender with confirmed in-county HQ for Clay County, Minnesota. We do not pad this list with distant offices labeled as local.
In-county HQ
Licensed business city or HQ locality maps to Clay County.