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State markets/Minnesota/Otter Tail County

COUNTY MORTGAGE MARKET · FIPS 27111

Otter Tail County, Minnesota

Who lends in Otter Tail County, how much, and to whom — built from HMDA public mortgage disclosure data, U.S. Census ACS housing estimates and FEMA's National Risk Index.

Origination volume · 2025

$293.5M

Origination volumeSum of loan amount over HMDA records with action taken = 1.

Originations · 2025

1,242

OriginationsCount of HMDA records with action taken = 1 (loan originated) in the activity year.

Denial rate · 2025

12.2%

Denial rateApplications denied (action taken = 3) divided by applications acted upon (actions 1-5).

Lenders active · 2025

196

Lenders activeDistinct LEIs with at least one application acted upon (HMDA action taken 1-5, 7 or 8) in the county and year.

Market structure

How spread out lending is across the 196 lenders that originated in Otter Tail County in 2025. HHI is the Herfindahl-Hirschman index over lender shares.

Concentration (HHI)

382

unconcentrated

Top-5 lender share

35.3%

of originations

Purchase

59.3%

573 loans

Refinance

40.7%

394 loans

Origination trend

Annual mortgage origination volume and loan count in Otter Tail County, 2023–2025. Pick a window, export the graph or its data, or click a year to open every record behind it.

Lenders in Otter Tail County

Sort, filter, add columns, export, or open a row for the lender's card. Each row links to the lender's company page and to its Otter Tail County loan records. The panel states which source answered and exactly which lenders that source covers.

ORIGINATION FLOOR
Hide the long tail of lenders with only a handful of loans here.
FULL RECORD LIST FOR OTTER TAIL COUNTY →

TOP TEN LENDERS IN OTTER TAIL COUNTY · 10

The ten largest lenders by origination volume — the precomputed county leaderboard, not the whole market.

1–10 OF 10 LENDERS

Loading every lender that acted on an application in this county. The rows below are the precomputed county leaderboard — the ten largest by volume, not the whole market.

111$29.2M$29.2M originated in Otter Tail County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
161$28.5M$28.5M originated in Otter Tail County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
101$24.8M$24.8M originated in Otter Tail County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
38$10.8M$10.8M originated in Otter Tail County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
23$10.4M$10.4M originated in Otter Tail County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
35$9.6M$9.6M originated in Otter Tail County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
46$9.4M$9.4M originated in Otter Tail County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
1$8.5M$8.5M originated in Otter Tail County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
35$8.3M$8.3M originated in Otter Tail County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
51$8.3M$8.3M originated in Otter Tail County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—

Source: the precomputed county lender leaderboard (lender_county_year) — its ten largest lenders by origination volume, not the county. As of HMDA activity year 2025. Denial rate = denials / decisioned applications (originated + approved-but-not-accepted + denied).

ZIP areas in Otter Tail County

All 34 ZIP Code Tabulation Areas that touch Otter Tail County, built by grouping the county's census tracts through the Census 2020 crosswalk. A ZCTA approximates a USPS ZIP code; HMDA itself reports no postal geography, so each row opens the tracts behind it, where the records are exact.

TRACT FLOOR
Hide the ZIP areas that only clip a corner of this county.
34 OF 34 ZIP AREASEVERY ZIP AREA TOUCHING THE COUNTY — NO ROWS WITHHELD
TOP LENDERRECORDS
55 of the 7 Otter Tail County tracts this ZIP area touches sit mostly inside it.21,6038.5%6,921——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 5 Otter Tail County tracts this ZIP area touches sit mostly inside it.10,34310.2%3,082——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 4 Otter Tail County tracts this ZIP area touches sit mostly inside it.5,86028.5%1,850——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
11 of the 3 Otter Tail County tracts this ZIP area touches sit mostly inside it.4,0845.0%1,271——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 2 Otter Tail County tracts this ZIP area touches sit mostly inside it.3,2575.9%1,113——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 5 Otter Tail County tracts this ZIP area touches sit mostly inside it.2,7874.4%930——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 2 Otter Tail County tracts this ZIP area touches sit mostly inside it.2,6045.6%999——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 2 Otter Tail County tracts this ZIP area touches sit mostly inside it.2,5165.9%942——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 3 Otter Tail County tracts this ZIP area touches sit mostly inside it.2,4645.0%886——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 5 Otter Tail County tracts this ZIP area touches sit mostly inside it.2,3084.6%899——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 3 Otter Tail County tracts this ZIP area touches sit mostly inside it.2,2555.1%791——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
0This ZIP area clips 1 tract of Otter Tail County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 1 tract of Otter Tail County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 2 tracts of Otter Tail County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 1 tract of Otter Tail County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 1 tract of Otter Tail County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 1 tract of Otter Tail County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 2 tracts of Otter Tail County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 1 tract of Otter Tail County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 2 tracts of Otter Tail County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 3 tracts of Otter Tail County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 1 tract of Otter Tail County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 1 tract of Otter Tail County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 1 tract of Otter Tail County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 1 tract of Otter Tail County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 2 tracts of Otter Tail County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 3 tracts of Otter Tail County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 3 tracts of Otter Tail County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 1 tract of Otter Tail County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 2 tracts of Otter Tail County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 4 tracts of Otter Tail County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 3 tracts of Otter Tail County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 3 tracts of Otter Tail County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 1 tract of Otter Tail County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.

17 of Otter Tail County’s 17 census tracts are grouped into the ZIP areas above, with none left over. The two add up to the county exactly, because each tract is counted once. A ZCTA — ZIP Code Tabulation Area — is the U.S. Census Bureau's area approximation of a USPS ZIP code, not the ZIP code itself. HMDA reports no postal geography at all, so these rows are census tracts grouped by the Census 2020 tract-to-ZCTA relationship file: each tract is counted once, in the single ZCTA covering the most of its land. Housing figures are HMDA tract attributes for activity year 2025, summed over the tracts each ZIP area owns — a ZIP area that owns no tract shows an em-dash, never a zero.

Census tracts in Otter Tail County

All 17 tracts, with the FFIEC income character and HMDA housing attributes of each. Open a tract for its own lender ranking, or open its records directly.

17 OF 17 TRACTSEVERY TRACT IN THE COUNTY — NO ROWS WITHHELD
TOP LENDERRECORDS
Middle114.8%2,7874.4%OPEN →
Middle112.4%2,3344.9%OPEN →
Middle89.7%3,52644.1%OPEN →
Middle114.4%2,2555.1%OPEN →
Middle84.1%5,76513.9%OPEN →
Middle98.2%4,5785.5%OPEN →
Middle97.5%2,5165.9%OPEN →
Middle115.1%3,1496.2%OPEN →
Moderate77.8%5,85311.0%OPEN →
Middle90.3%4,89610.4%OPEN →
Middle111.8%4,4716.7%OPEN →
Middle108.1%2,4645.0%OPEN →
Middle86.4%4,0845.0%OPEN →
Middle108.9%2,6045.6%OPEN →
Middle93.9%3,2575.9%OPEN →
Middle104.5%2,3084.6%OPEN →
Upper131.4%3,2345.9%OPEN →

Source: FFIEC census-tract file (income level, MSA, urban/rural) and HMDA tract attributes (population, minority share, housing units), latest loaded activity year. The whole county is listed — the table is filtered and paged in the browser over the complete set, never a server-side slice of it.

Housing & households

U.S. Census American Community Survey 2024 estimates — the demand side behind the lending figures above.

Population

60,475

Median household income

$72,255

Median home value

$273,000

Median gross rent

$868

per month

Owner-occupied

79.5%

of occupied units

Housing units

36,698

31.4% vacant

Poverty rate

8.7%

Unemployment

4.8%

Natural-hazard exposure

FEMA National Risk Index ratings for this county — expected annual loss, social vulnerability and community resilience, plus the individual perils rated Relatively High or above.

Overall risk

Relatively Low

score 79.4

Social vulnerability

Relatively Moderate

Community resilience

Very High

ELEVATED PERILS

Strong wind Relatively High · Winter weather Very High

Federal disaster history

Months in which a FEMA disaster declaration was active in this county, from the declarations series.

Months with an active declaration

74

Declarations recorded

17

Incident types on record: Biological, Drought, Flood, Hurricane, Severe Storm, Tornado.

Everything we hold on Otter Tail County

12 data areas have rows for this county. Each one is one click away below; the 18 we checked and did not find at county grain are named at the end with the reason.

LOAN-LEVEL

The individual HMDA application and origination records behind every figure on this page, pre-filtered to Otter Tail County.

HMDA loan-level (hmda_loan_wide, county_code)

Open the loan explorer for Otter Tail County →Every reported application and origination in FIPS 27111, filterable on rate, amount, income, purpose and action taken. Loan-level tier.

VA

VA-guaranteed lending in Otter Tail County by fiscal year — the veteran channel, which HMDA counts but does not separate from the rest of the government book at this grain.

VA Loan Guaranty geographic loan volume (va_geo_loan_volume, county_fips), folded to fiscal year

VA loans · FY2026

61

—

Purchase share

41.0%

25 loans

IRRRL refinances

18

Cash-out refinances

18

202661—251818
202573—362017
202460—33918
202341—27014
2022——361125
2021176—4310231
2020166—439132
201976—281137
201878—52521
201799—442431
201684—391728
201561—261718

The most recent fiscal year is partial until VA closes it. This file carries no lender key, so VA volume cannot be attributed to a company.

BUILDING PERMITS

New residential units authorised in Otter Tail County — the supply-side leading indicator that runs ahead of purchase originations.

Census Building Permits Survey county series (census_building_permits, geo_id at geo_level 'county')

HOUSING SUPPLY · CENSUS BUILDING PERMITS

Otter Tail County building permits

New privately-owned housing units authorized by building permits — the supply-side leading indicator that runs ahead of housing starts and the purchase-origination pipeline. Single-family (SF, 1-unit) vs. multifamily (MF, 2+ units), by year.

Single-family · 2025

60

−15.5% vs 2024

Multifamily · 2025

12

−33.3% vs 2024

Total authorized · 2025

72

−19.1% vs 2024

Permit valuation · 2025

$21.6M

authorized construction value

Units authorized by year

Otter Tail County · total permitted units · hover for the single-family split

UNITS · SF IN TOOLTIP
063125188250199019921994199619982000200220042006200820102012201420162018202020222024202572 units

Source: U.S. Census Bureau Building Permits Survey (BPS), imputed totals (the published “units authorized” headline). SF = 1-unit; MF = 2+ units. Public no-login Census data. Attribution.

MIGRATION & WEALTH

IRS county-to-county migration flows for Otter Tail County, showing population movement and wealth transfer.

IRS county-to-county migration flows (irs_county_migration, self_geoid)

inflow2223Foreign - Other flows, FR———
outflow2223Foreign - Other flows, FR———
inflow2223Other flows - Northeast, DS———
outflow2223Cass County, ND191255$9.1M
outflow2223Other flows - Midwest, DS178311$13.5M
inflow2223Other flows - Midwest, DS174311$12.2M
inflow2223Cass County, ND133229$12.3M
inflow2223Becker County, MN120204$7.0M
outflow2223Other flows - South, DS120216$10.1M
outflow2223Clay County, MN111171$5.0M
outflow2223Becker County, MN110185$5.5M
outflow2223Other flows - West, DS100153$8.4M
inflow2223Other flows - West, DS91146$6.2M
inflow2223Wadena County, MN89180$5.4M
outflow2223Hennepin County, MN86118$5.0M
inflow2223Other flows - South, DS83159$4.5M
inflow2223Clay County, MN72150$5.2M
outflow2223Douglas County, MN71108$3.4M
inflow2223Hennepin County, MN6594$5.9M
outflow2223Wadena County, MN64118$2.9M
inflow2223Douglas County, MN56102$3.3M
inflow2223Grant County, MN3864$1.7M
outflow2223Wilkin County, MN3548$1.2M
outflow2223Todd County, MN3558$1.5M
outflow2223Grant County, MN3462$1.4M
inflow2223Todd County, MN3364$2.0M
inflow2223Stearns County, MN2740$1.3M
inflow2223Wilkin County, MN2448$1.8M
inflow2223Maricopa County, AZ2442$2.2M
outflow2223Stearns County, MN2337$805K
inflow2223Anoka County, MN2240$1.6M
outflow2223Maricopa County, AZ2233$1.8M
outflow2223St. Louis County, MN2131$1.2M
outflow2223Other flows - Northeast, DS2023$1.7M
outflow2223Ramsey County, MN2022$1.1M
outflow2122Other flows - Northeast, DS———
inflow2122Other flows - Northeast, DS———
outflow2122Foreign - Other flows, FR———
inflow2122Other flows - Midwest, DS169303$12.3M
outflow2122Cass County, ND167246$12.8M
inflow2122Cass County, ND138231$13.4M
outflow2122Other flows - Midwest, DS136235$7.5M
inflow2122Other flows - West, DS126239$11.3M
outflow2122Other flows - South, DS116205$8.8M
inflow2122Clay County, MN109219$7.4M
inflow2122Becker County, MN106215$6.5M
outflow2122Becker County, MN105182$6.6M
outflow2122Other flows - West, DS91136$4.3M
outflow2122Clay County, MN90158$4.1M
inflow2122Hennepin County, MN81143$8.7M
inflow2122Other flows - South, DS80156$5.9M
inflow2122Wadena County, MN77142$3.6M
outflow2122Hennepin County, MN75103$5.6M
inflow2122Douglas County, MN67108$3.4M
outflow2122Douglas County, MN5593$3.1M
outflow2122Wadena County, MN5293$2.4M
inflow2122Todd County, MN5075$2.2M
outflow2122Grant County, MN3966$1.6M
inflow2122Wilkin County, MN3159$2.7M
outflow2122Stearns County, MN2851$1.5M
outflow2122Richland County, ND2646$1.8M
inflow2122Grant County, MN2643$1.6M
outflow2122Todd County, MN2647$1.0M
inflow2122Stearns County, MN2537$2.1M
inflow2122Dakota County, MN2549$2.6M
inflow2122Anoka County, MN2441$2.0M
outflow2122Maricopa County, AZ2441$3.6M
outflow2122Ramsey County, MN2130$791K
outflow2122St. Louis County, MN2036$1.0M
inflow2122Richland County, ND2043$1.4M
inflow2021Other flows - Northeast, DS———
inflow2021Foreign - Other flows, FR———
outflow2021Other flows - Northeast, DS———
outflow2021Foreign - Other flows, FR———
inflow2021Other flows - Midwest, DS160292$12.2M
inflow2021Cass County, ND158265$12.9M
outflow2021Other flows - Midwest, DS153271$8.7M
outflow2021Cass County, ND144208$7.5M
inflow2021Clay County, MN124226$7.4M
inflow2021Other flows - West, DS116227$7.1M
inflow2021Becker County, MN113232$6.8M
outflow2021Becker County, MN109186$5.2M
inflow2021Hennepin County, MN97148$9.4M
outflow2021Other flows - South, DS92171$8.4M
outflow2021Other flows - West, DS88141$10.1M
inflow2021Wadena County, MN82166$4.1M
inflow2021Other flows - South, DS80127$4.5M
inflow2021Douglas County, MN79149$4.1M
outflow2021Douglas County, MN79139$4.3M
outflow2021Clay County, MN76129$2.7M
outflow2021Wadena County, MN74157$3.2M
outflow2021Hennepin County, MN6294$3.7M
inflow2021Ramsey County, MN3855$1.8M
inflow2021Grant County, MN3876$1.6M
inflow2021Wilkin County, MN3567$2.3M
outflow2021Maricopa County, AZ3456$3.4M
inflow2021Richland County, ND3461$2.9M
outflow2021Todd County, MN3254$913K
outflow2021Wilkin County, MN3048$1.3M
outflow2021Grant County, MN2967$1.3M
inflow2021Dakota County, MN2945$5.0M
inflow2021Todd County, MN2957$1.3M
outflow2021Stearns County, MN2547$1.9M
inflow2021Sherburne County, MN2557$2.3M
inflow2021Crow Wing County, MN2434$1.1M
inflow2021Maricopa County, AZ2443$1.4M
inflow2021Anoka County, MN2351$2.1M
inflow2021Wright County, MN2146$1.7M
inflow1920Other flows - Northeast, DS———
inflow1920Foreign - Other flows, FR———
outflow1920Other flows - Northeast, DS———
outflow1920Foreign - Other flows, FR———
inflow1920Other flows - Midwest, DS183361$13.0M
outflow1920Other flows - Midwest, DS178387$9.7M
inflow1920Cass County, ND153258$12.6M
outflow1920Cass County, ND135204$6.1M
outflow1920Becker County, MN127273$6.9M
inflow1920Becker County, MN126269$6.8M
outflow1920Other flows - South, DS120218$8.3M
outflow1920Other flows - West, DS108168$4.9M
inflow1920Other flows - West, DS99185$6.5M
outflow1920Clay County, MN98163$5.0M
inflow1920Clay County, MN92189$6.7M
inflow1920Other flows - South, DS83155$7.1M
inflow1920Hennepin County, MN78124$6.1M
inflow1920Wadena County, MN74174$3.3M
outflow1920Hennepin County, MN61100$3.3M
inflow1920Douglas County, MN56124$2.5M
outflow1920Wadena County, MN55106$2.1M
outflow1920Douglas County, MN5080$2.2M
inflow1920Wilkin County, MN3675$2.0M
outflow1920Grant County, MN3258$1.4M
inflow1920Richland County, ND2947$1.4M
inflow1920Todd County, MN2963$1.1M
inflow1920Grant County, MN2645$899K
outflow1920Wilkin County, MN2642$1.3M
outflow1920Maricopa County, AZ2543$2.2M
inflow1920Ramsey County, MN2340$1.4M
outflow1920Dakota County, MN2138$1.1M
inflow1920Maricopa County, AZ2139$1.8M
inflow1920Crow Wing County, MN2133$1.3M
outflow1920Stearns County, MN2140$1.4M
outflow1920Ramsey County, MN2126$843K
inflow1920Stearns County, MN2059$1.3M
inflow1819Foreign - Other flows, FR———
outflow1819Other flows - Northeast, DS———
outflow1819Foreign - Other flows, FR———
inflow1819Other flows - Northeast, DS———
inflow1819Other flows - Midwest, DS150286$10.8M
inflow1819Cass County, ND130220$8.4M
outflow1819Other flows - Midwest, DS129225$6.7M
outflow1819Cass County, ND127188$5.7M
inflow1819Becker County, MN119267$8.0M
inflow1819Other flows - West, DS113209$8.3M
outflow1819Becker County, MN105185$5.0M
outflow1819Other flows - West, DS105177$7.3M
outflow1819Clay County, MN102167$4.3M
inflow1819Clay County, MN94176$6.9M
outflow1819Other flows - South, DS93178$6.3M
outflow1819Douglas County, MN77135$3.5M
inflow1819Wadena County, MN72135$3.2M
outflow1819Wadena County, MN72141$2.7M
inflow1819Other flows - South, DS68133$3.7M
inflow1819Hennepin County, MN67119$4.7M
inflow1819Douglas County, MN64103$2.8M
outflow1819Hennepin County, MN5469$2.4M
inflow1819Todd County, MN3368$1.9M
outflow1819Maricopa County, AZ2946$3.3M
inflow1819Dakota County, MN2950$2.7M
outflow1819Wilkin County, MN2851$1.0M
outflow1819Stearns County, MN2840$939K
inflow1819Wilkin County, MN2748$1.3M
inflow1819Grant County, MN2653$1.2M
outflow1819Ramsey County, MN2639$1.1M
outflow1819Richland County, ND2643$551K
inflow1819Richland County, ND2441$1.2M
outflow1819Grant County, MN2247$904K
outflow1819Todd County, MN2244$508K
inflow1819Stearns County, MN2141$891K
outflow1819Dakota County, MN2128$1.3M
inflow1819Anoka County, MN2044$1.6M
outflow1718Other flows - Northeast, DS———
inflow1718Foreign - Other flows, FR———
outflow1718Foreign - Other flows, FR———
inflow1718Other flows - Midwest, DS158309$10.1M
inflow1718Cass County, ND154255$9.6M
inflow1718Becker County, MN152266$7.2M
outflow1718Other flows - Midwest, DS145284$7.6M
outflow1718Other flows - West, DS124193$6.7M
outflow1718Cass County, ND118192$5.8M
inflow1718Other flows - West, DS117235$6.8M
inflow1718Clay County, MN107208$7.0M
outflow1718Becker County, MN104211$5.6M
outflow1718Other flows - South, DS99171$5.7M
outflow1718Wadena County, MN85153$3.0M
outflow1718Clay County, MN79119$3.2M
inflow1718Other flows - South, DS79159$5.0M
inflow1718Wadena County, MN78156$3.1M
outflow1718Hennepin County, MN74117$3.8M
inflow1718Hennepin County, MN70109$4.5M

UAD APPRAISALS

FHFA Uniform Appraisal Dataset aggregates for Otter Tail County.

FHFA UAD aggregate statistics (uad_aggregate_county, geoid) and appraisal-level public use file (uad_puf, county_fips)

2023PurchaseNo CharacteristicAll Appraisals381.0
2023PurchaseNo CharacteristicAll Appraisals0.1
2023RefinanceNo CharacteristicAll Appraisals141.0
2023PurchaseNo CharacteristicAll Appraisals1.0
2023BothNo CharacteristicAll Appraisals522.0
2023PurchaseNo CharacteristicAll Appraisals0.8
2023PurchaseNo CharacteristicAll Appraisals1.0
2023RefinanceNo CharacteristicAll Appraisals409,500.0
2023BothNo CharacteristicAll Appraisals300,000.0
2023PurchaseNo CharacteristicAll Appraisals270,000.0
2023PurchaseNo CharacteristicAll Appraisals0.0
2022PurchaseNo CharacteristicAll Appraisals1.0
2022BothNo CharacteristicAll Appraisals291,000.0
2022PurchaseNo CharacteristicAll Appraisals0.2
2022PurchaseNo CharacteristicAll Appraisals269,300.0
2022PurchaseNo CharacteristicAll Appraisals1.0
2022RefinanceNo CharacteristicAll Appraisals307.0
2022PurchaseNo CharacteristicAll Appraisals0.0
2022PurchaseNo CharacteristicAll Appraisals0.8
2022RefinanceNo CharacteristicAll Appraisals330,000.0
2022BothNo CharacteristicAll Appraisals771.0
2022PurchaseNo CharacteristicAll Appraisals464.0
2021PurchaseNo CharacteristicAll Appraisals1.0
2021RefinanceNo CharacteristicAll Appraisals301,000.0
2021BothNo CharacteristicAll Appraisals1,510.0
2021PurchaseNo CharacteristicAll Appraisals1.0
2021PurchaseNo CharacteristicAll Appraisals617.0
2021PurchaseNo CharacteristicAll Appraisals0.2
2021RefinanceNo CharacteristicAll Appraisals893.0
2021PurchaseNo CharacteristicAll Appraisals0.0
2021BothNo CharacteristicAll Appraisals280,000.0
2021PurchaseNo CharacteristicAll Appraisals0.8
2021PurchaseNo CharacteristicAll Appraisals253,000.0
2020PurchaseNo CharacteristicAll Appraisals0.0
2020PurchaseNo CharacteristicAll Appraisals1.0
2020BothNo CharacteristicAll Appraisals1,871.0
2020PurchaseNo CharacteristicAll Appraisals619.0
2020PurchaseNo CharacteristicAll Appraisals0.8
2020BothNo CharacteristicAll Appraisals290,000.0
2020RefinanceNo CharacteristicAll Appraisals316,000.0
2020RefinanceNo CharacteristicAll Appraisals1,252.0
2020PurchaseNo CharacteristicAll Appraisals242,000.0
2020PurchaseNo CharacteristicAll Appraisals1.0
2020PurchaseNo CharacteristicAll Appraisals0.2
2019PurchaseNo CharacteristicAll Appraisals0.0
2019PurchaseNo CharacteristicAll Appraisals1.0
2019BothNo CharacteristicAll Appraisals248,000.0
2019PurchaseNo CharacteristicAll Appraisals594.0
2019PurchaseNo CharacteristicAll Appraisals0.2
2019PurchaseNo CharacteristicAll Appraisals1.0
2019RefinanceNo CharacteristicAll Appraisals273,000.0
2019BothNo CharacteristicAll Appraisals1,171.0
2019RefinanceNo CharacteristicAll Appraisals577.0
2019PurchaseNo CharacteristicAll Appraisals220,000.0
2019PurchaseNo CharacteristicAll Appraisals0.8
2018RefinanceNo CharacteristicAll Appraisals289,000.0
2018BothNo CharacteristicAll Appraisals903.0
2018PurchaseNo CharacteristicAll Appraisals525.0
2018RefinanceNo CharacteristicAll Appraisals378.0
2018BothNo CharacteristicAll Appraisals230,000.0
2018PurchaseNo CharacteristicAll Appraisals205,000.0
2018PurchaseNo CharacteristicAll Appraisals0.8
2018PurchaseNo CharacteristicAll Appraisals0.0
2018PurchaseNo CharacteristicAll Appraisals0.2
2018PurchaseNo CharacteristicAll Appraisals1.0
2018PurchaseNo CharacteristicAll Appraisals1.0
2017RefinanceNo CharacteristicAll Appraisals260,000.0
2017PurchaseNo CharacteristicAll Appraisals1.0
2017PurchaseNo CharacteristicAll Appraisals1.0
2017PurchaseNo CharacteristicAll Appraisals0.2
2017PurchaseNo CharacteristicAll Appraisals0.0
2017BothNo CharacteristicAll Appraisals1,039.0
2017PurchaseNo CharacteristicAll Appraisals537.0
2017PurchaseNo CharacteristicAll Appraisals195,000.0
2017RefinanceNo CharacteristicAll Appraisals502.0
2017PurchaseNo CharacteristicAll Appraisals0.8
2017BothNo CharacteristicAll Appraisals220,000.0
2016PurchaseNo CharacteristicAll Appraisals582.0
2016RefinanceNo CharacteristicAll Appraisals259,500.0
2016PurchaseNo CharacteristicAll Appraisals1.0
2016PurchaseNo CharacteristicAll Appraisals185,500.0
2016PurchaseNo CharacteristicAll Appraisals0.8
2016PurchaseNo CharacteristicAll Appraisals0.0
2016BothNo CharacteristicAll Appraisals225,500.0
2016PurchaseNo CharacteristicAll Appraisals1.1
2016PurchaseNo CharacteristicAll Appraisals0.2
2016BothNo CharacteristicAll Appraisals1,252.0
2016RefinanceNo CharacteristicAll Appraisals670.0
2015PurchaseNo CharacteristicAll Appraisals1.0
2015PurchaseNo CharacteristicAll Appraisals185,000.0
2015PurchaseNo CharacteristicAll Appraisals0.2
2015RefinanceNo CharacteristicAll Appraisals244,800.0
2015BothNo CharacteristicAll Appraisals1,155.0
2015RefinanceNo CharacteristicAll Appraisals640.0
2015PurchaseNo CharacteristicAll Appraisals0.0
2015PurchaseNo CharacteristicAll Appraisals0.8
2015PurchaseNo CharacteristicAll Appraisals515.0
2015BothNo CharacteristicAll Appraisals220,000.0
2015PurchaseNo CharacteristicAll Appraisals1.0
2014BothNo CharacteristicAll Appraisals207,500.0

ECONOMY & INCOME

Local economy indicators — BLS unemployment rates and BEA personal income for Otter Tail County.

BLS Local Area Unemployment Statistics (bls_laus_county_month, geoid) and BEA personal income (bea_county_income, geo_fips)

BLS Local Area Unemployment

2026-0530,57029,3591,2114.0%
2026-0430,37228,9081,4644.8%
2026-0330,01327,9512,0626.9%
2026-0229,97827,8302,1487.2%
2026-0129,98927,7762,2137.4%
2025-1230,64528,8481,7975.9%
2025-1130,54829,1661,3824.5%
2025-0931,12230,0941,0283.3%
2025-0831,63430,4281,2063.8%
2025-0731,83330,6091,2243.8%
2025-0631,87630,6011,2754.0%
2025-0531,11030,0151,0953.5%
2025-0430,91829,4881,4304.6%
2025-0330,58528,8251,7605.8%
2025-0230,40128,6001,8015.9%
2025-0130,40428,6441,7605.8%
2024-1230,87029,5791,2914.2%
2024-1130,94630,0119353.0%
2024-1031,10330,3217822.5%
2024-0931,26530,4667992.6%
2024-0831,85730,8061,0513.3%
2024-0732,13531,0261,1093.5%
2024-0632,21831,0581,1603.6%
2024-0530,97330,1408332.7%
2024-0430,66529,6251,0403.4%
2024-0330,44229,0011,4414.7%
2024-0229,93928,4291,5105.0%
2024-0129,95728,4501,5075.0%
2023-1230,39529,2761,1193.7%
2023-1130,24229,5147282.4%
2023-1030,57729,9166612.2%
2023-0930,73130,0496822.2%
2023-0831,36730,5088592.7%
2023-0731,42830,4739553.0%
2023-0631,64930,6939563.0%
2023-0530,65229,8188342.7%
2023-0430,05928,9141,1453.8%
2023-0329,96928,5971,3724.6%
2023-0230,02328,4781,5455.1%
2023-0129,81228,2941,5185.1%
2022-1230,28529,1681,1173.7%
2022-1129,72529,0147112.4%
2022-1030,00529,4825231.7%
2022-0930,12929,6235061.7%
2022-0830,88630,2086782.2%
2022-0731,07630,3916852.2%
2022-0631,11730,3517662.5%
2022-0530,17329,5726012.0%
2022-0429,67128,8378342.8%
2022-0329,64928,4731,1764.0%
2022-0229,54528,2251,3204.5%
2022-0129,52928,1271,4024.7%
2021-1230,06729,0381,0293.4%
2021-1129,71429,0386762.3%
2021-1029,98729,3816062.0%
2021-0930,27329,5786952.3%
2021-0830,76729,8639042.9%
2021-0731,10530,1729333.0%
2021-0630,83829,7231,1153.6%
2021-0530,27829,3619173.0%
2021-0429,79128,6361,1553.9%
2021-0329,52127,8801,6415.6%
2021-0229,70127,8561,8456.2%
2021-0129,69027,6282,0626.9%
2020-1230,39428,7331,6615.5%
2020-1130,64629,4361,2103.9%
2020-1031,29930,2131,0863.5%
2020-0931,28330,0981,1853.8%
2020-0832,05830,7451,3134.1%
2020-0732,53430,8571,6775.2%
2020-0632,04830,0282,0206.3%
2020-0530,05027,7652,2857.6%
2020-0429,21926,8312,3888.2%
2020-0329,99127,8922,0997.0%
2020-0229,99628,1241,8726.2%
2020-0129,99827,9762,0226.7%
2019-1230,47428,7901,6845.5%
2019-1130,13929,0191,1203.7%
2019-1030,40929,5368732.9%
2019-0930,66129,8278342.7%
2019-0831,26330,1961,0673.4%
2019-0732,21330,8811,3324.1%
2019-0631,73630,5851,1513.6%
2019-0530,95329,9739803.2%
2019-0430,16728,8541,3134.4%
2019-0329,82228,0791,7435.8%
2019-0229,73827,8921,8466.2%
2019-0129,96227,8742,0887.0%
2018-1230,46528,8121,6535.4%
2018-1129,91128,9329793.3%
2018-1030,11829,3407782.6%
2018-0930,23729,4977402.4%
2018-0830,56729,7368312.7%
2018-0731,65830,7589002.8%
2018-0631,62430,6459793.1%
2018-0530,99630,1688282.7%
2018-0430,37829,1391,2394.1%
2018-0329,88928,3041,5855.3%
2018-0229,91628,2511,6655.6%
2018-0129,68327,9401,7435.9%

BEA Personal Income

2024$3.78B60,884$62K
2023$3.63B60,687$60K
2022$3.51B60,530$58K
2021$3.41B60,206$57K
2020$3.19B60,068$53K
2019$2.81B59,912$47K
2018$2.74B59,698$46K
2017$2.65B59,176$45K
2016$2.52B58,670$43K
2015$2.50B58,236$43K
2014$2.48B58,060$43K
2013$2.33B57,935$40K
2012$2.27B57,526$39K
2011$2.18B57,449$38K
2010$2.00B57,324$35K
2009$1.89B57,333$33K
2008$1.94B57,691$34K
2007$1.74B57,677$30K
2006$1.64B57,732$28K
2005$1.59B57,420$28K
2004$1.60B57,576$28K
2003$1.51B57,515$26K
2002$1.42B57,245$25K
2001$1.39B57,076$24K
2000$1.32B57,073$23K
1999$1.25B56,680$22K
1998$1.20B55,726$21K
1997$1.11B55,136$20K
1996$1.09B54,522$20K
1995$987.9M53,490$18K
1994$966.2M52,853$18K
1993$890.6M52,293$17K
1992$857.7M51,776$17K
1991——$15K

NFIP FLOOD CLAIMS

FEMA National Flood Insurance Program (NFIP) realised flood loss claims in Otter Tail County.

FEMA NFIP redacted claims (nfip_claim, county_code)

2020-08-14$0$0$0Yes
2020-05-28$3K$3K$0Yes
2020-04-13$0$0$0No
2016-09-21$2K$2K$0No
2015-05-10$2K$2K$0Yes
2015-04-18$1K$1K$0No
2015-02-12$0——No
2014-09-09$0——Yes
2014-09-04$0——Yes
2014-09-04$0——No
2014-07-11$15K$15K$0Yes
2014-07-10$7K$7K$0No
2014-07-07$0——No
2013-06-20$20K$20K$0No
2013-06-20$20K$20K$0Yes
2012-07-10$0——No
2012-06-22$0——No
2012-03-11$0——Yes
2012-02-27$0——No
2011-12-01$2K$2K$0No
2011-09-13$0——No
2011-08-31$41K$41K$0No
2011-08-25$23K$19K$4KNo
2011-08-24$11K$11K$565No
2011-08-02$0——Yes
2011-06-12$2K$2K$0No
2011-06-11$2K$2K$0Yes
2011-06-11$0$4K$0No
2011-06-06$97K$94K$3KNo
2011-06-06$50K$50K$0No
2011-06-01$0——Yes
2011-06-01$0——No
2011-05-31$0——No
2011-05-31$5K$5K$0Yes
2011-05-30$0——No
2011-05-30$4K$4K$0Yes
2011-05-30$362.5$362.5$0No
2011-05-29$14K$14K$0No
2011-05-28$5K$4K$1KNo
2011-05-17$0——Yes
2011-05-13$4K$4K$0Yes
2011-05-12$0——No
2011-05-09$14K$14K$0No
2011-05-06$2K$2K$0Yes
2011-05-02$9K$9K$0No
2011-05-01$5K$5K$0Yes
2011-04-29$15K$12K$3KYes
2011-04-29$683.48$683.48$0Yes
2011-04-28$5K$5K$0No
2011-04-25$4K$4K$411.21Yes
2011-04-25$3K$3K$0No
2011-04-22$96K$90K$6KNo
2011-04-19$8K$8K$572.97Yes
2011-04-19$7K$7K$0No
2011-04-19$11K$11K$0No
2011-04-19$50K$50K$0No
2011-04-16$6K$6K$0Yes
2011-04-15$2K$2K$0No
2011-04-15$5K$5K$0No
2011-04-09$10K$8K$2KNo
2011-04-06$18K$18K$0No
2011-04-06$58K$48K$9KNo
2011-04-04$40K$37K$2KYes
2011-04-01$20K$19K$290Yes
2011-03-25$162K$150K$12KNo
2010-11-20$0——Yes
2010-08-22$0——Yes
2010-04-20$8K$6K$2KNo
2009-03-16$6K$6K$0Yes
2007-07-08$11K$10K$1KYes
2007-06-24$6K$6K$0No
2007-06-11$0——No
2007-05-22$4K$4K$0Yes
2007-05-01$0——Yes
2006-04-06$1K$1K$0Yes
2006-04-02$82K$75K$7KNo
2006-04-01$97K$97K$0No
2006-04-01$75K$75K$0No
2005-06-14$0——Yes
2002-06-11$0——No
2002-04-17$19K$18K$1KYes
2001-08-10$2K$2K$0Yes
2001-07-08$0——No
2001-06-20$910.56$910.56$0Yes
2001-06-16$9K$9K$0Yes
2001-06-11$5K$5K$0Yes
2001-06-09$158.45$158.45$0Yes
2001-06-09$2K$2K$408.15Yes
2001-06-09$1K$1K$0Yes
2001-05-14$0——Yes
2001-04-14$4K$4K$0No
2001-04-11$0——Yes
2001-04-02$2K$2K$0Yes
1999-09-27$22K$22K$0No
1999-08-15$75K$75K$0Yes
1999-07-01$5K$5K$0No
1999-07-01$0——Yes
1999-04-16$750$750$0No
1999-04-01$0——No
1999-03-17$31K$30K$829.96No

ALSO CHECKED

18 more data areas were checked for Otter Tail County and did not earn a tab. A missing tab and an unasked question look the same on screen, so each one is named with the reason it is missing.

  • WRONG GRAIN
    FHA

    FHA Neighborhood Watch DOES publish county rows, but keys them on a free-text county NAME (“CHITTENDEN|VT”), not a FIPS code, and the single-family endorsement snapshot's property_county is likewise free text. Joining either to a county FIPS by name would attribute one county's delinquency to another wherever a name repeats, so FHA is a state-grain tab only until a curated name→FIPS crosswalk exists

  • WRONG GRAIN
    Fannie / Freddie

    the FHFA public-use database publishes single-family acquisitions at STATE and CENSUS-TRACT grain; no county rollup is published or loaded, and rolling tracts up to counties would double-count the tracts that straddle a county line

  • WRONG GRAIN
    GSE credit-risk transfer

    CAS and STACR loan-level disclosures publish PROPERTY STATE and a 3-digit zip; neither carries a county code, so credit-risk-transfer collateral cannot be attributed to a county

  • WRONG GRAIN
    Ginnie Mae

    Ginnie Mae's loan-level disclosure publishes PROPERTY STATE and nothing finer — there is no county, ZIP or tract field in the file, so agency-pool collateral has no county grain at all. The same is true of the UMBS pool file (fhfa_mbs_pool), which carries only CA/NY/FL/TX/PR concentration percentages

  • WRONG GRAIN
    Housing finance agency

    a housing finance agency is a STATE-chartered body — county is not a grain it has. Its programmes reach counties, but the agency itself is one row per state: hfa_agency is keyed on state_code and carries no county column, and there is no county-level agency underneath it to aggregate from

  • WRONG GRAIN
    CUSO network

    the NCUA CUSO Registry publishes a CUSO's city and STATE and no county at all (cuso_registry, migration 0195). A county FIPS does exist on the member-credit-union side (cuso_credit_union_link.cu_county_fips), but it is the CREDIT UNION'S CHARTER ADDRESS — where the institution is registered, not where the mortgage service it buys is delivered — so a county tab built on it would pin a statewide, often multi-state, service relationship onto the one county a charter document happens to name

  • WRONG GRAIN
    Subservicing map

    the same absence, one grain finer: subservicing_relationships holds no property or collateral column at all, so there is nothing to aggregate to a county. Where a client is a state HFA, the state housing finance agency area on this hub carries that agency and its named master servicer at its own state grain

  • WRONG GRAIN
    Co-issue MSR

    the same absence, and worse at county grain: Ginnie's loan-level disclosure publishes property STATE and nothing finer — no county, ZIP or tract field exists in the file — so even the collateral split that is rejected above at state grain is not available here at all

  • WRONG GRAIN
    MSR transfer graph

    the same absence at a finer grain, with no additional route to one: ginnie_servicing_transfers has no county column and the Ginnie loan-level disclosure it would have to be joined to publishes property state and nothing finer — no county, ZIP or tract field exists in either file

  • WRONG GRAIN
    Builder & realtor JV

    the same absence, one grain finer: the affiliation corpus has no geographic column at all, so nothing can be aggregated to a county. The affiliate lender's actual county-level originations are on the HMDA area of the county hub, keyed on the lender rather than on its parent

  • WRONG GRAIN
    Non-QM deal calendar

    the same structural gap, one grain finer: a 144A non-QM deal publishes no asset-level file at all, so there is no loan, no property and therefore no county to attribute anything to. This is the one absence on this hub that no future load can close

  • WRONG GRAIN
    Agency-MBS demand

    the same absence, and Ginnie's disclosure has no county field at any grain, so even the collateral allocation that is rejected above at state grain cannot be computed here

  • WRONG GRAIN
    Complaints-rate stack

    the same broken denominator, plus a numerator that does not reach county either: the CFPB publishes a complaint's state and a partially redacted ZIP and no county, so neither half of this ratio exists at county grain

  • WRONG GRAIN
    NMLS licensing

    NMLS licences are issued by a STATE regulator and the industry report is published by state agency and quarter; there is no county in the licensing system to aggregate to

  • WRONG GRAIN
    CFPB complaints

    the CFPB publishes a complaint's STATE and a partially redacted ZIP; it publishes no county, and deriving one from a redacted ZIP would put complaints in the wrong county wherever a ZIP straddles a county line

  • WRONG GRAIN
    State enforcement

    enforcement orders are issued by a STATE regulator against a licensee; they carry no property or county

  • WRONG GRAIN
    WARN notices

    a WARN notice names an employer, a CITY and a region — no county code — and matching city to county by name is ambiguous in most states

  • WRONG GRAIN
    Mortgage employment

    the QCEW extract loaded here holds STATE and METRO area types only — the county-level QCEW file is a separate, far larger download that is not loaded, so county mortgage employment cannot be shown honestly

Several of the areas above are published only at state grain. They are all on the MN state hub, which carries the same registry at the grain those sources actually have.

Go deeper

EVERY HMDA RECORD IN OTTER TAIL COUNTY →Opens the loan explorer already filtered to county FIPS 27111.

See the Minnesota state market profile for the statewide picture, the Minnesota state hub for every dataset we hold on the state in one place, or the national lender leaderboard for who is largest across every market.

Sources: HMDA public loan-level disclosure (CFPB/FFIEC) aggregated to county-year; U.S. Census Bureau American Community Survey; FEMA National Risk Index and disaster declarations. Figures are as loaded — see data attribution.

Fair-lending context: denial rates and demographic figures shown here are descriptive statistics derived from public HMDA and U.S. Census data. HMDA does not contain the credit, income, or underwriting variables that explain most lending outcomes, so a difference between lenders or areas is a statistical observation about published data — not evidence of, and not a determination of, discrimination or redlining by any institution.