CENTRICITY Credit Union in Minnesota vs the state
6.5%Denial rate-7.15 pts vs state
7.2%Decision denial rate-9.18 pts vs state
81.0%Origination rate+14.60 pts vs state
6.74%Median rate+0.12 pts vs state
0.30Rate spread (pts)+0.04 pts vs state
$106kMedian applicant income
251Loans originated
20Denied
Trend in Minnesota
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 200 | 161 | 10.0% | 6.75% | #123 |
| 2024 | 194 | 143 | 12.4% | 7.25% | #129 |
| 2025 | 310 | 251 | 6.5% | 6.74% | #112 |
What CENTRICITY Credit Union lends in Minnesota
By loan purpose
By loan type
Why it denied Minnesota applicants
Where in Minnesota
Counties with the most CENTRICITY Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| St. Louis County | 225 | 198 | 9 | 4.0% |
| Carlton County | 33 | 32 | 0 | 0.0% |
| Pine County | 4 | 4 | 0 | 0.0% |
| Meeker County | 3 | 3 | 0 | 0.0% |
| Itasca County | 2 | 2 | 0 | 0.0% |
| Goodhue County | 1 | 1 | 0 | 0.0% |
| Lake County | 1 | 1 | 0 | 0.0% |
| Rice County | 1 | 1 | 0 | 0.0% |
| Anoka County | 1 | 1 | 0 | 0.0% |
Other large lenders in Minnesota
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 8,694 | 10.6% | 6.38% |
| U.S. Bank | D | 8,624 | 30.4% | 7.88% |
| Bell Bank | A | 7,987 | 5.3% | 6.63% |
| Rocket Mortgage | C | 7,630 | 16.3% | 6.63% |
| Trustone Financial Credit Union | C | 6,066 | 20.0% | 7.25% |
| Affinity Plus | C | 5,438 | 14.6% | 6.63% |
| Blaze Credit Union | B | 4,074 | 12.3% | 6.38% |
| Wings Financial Credit Union | A | 3,960 | 16.4% | 7.25% |
| Crosscountry Mortgage | B | 3,942 | 2.1% | 6.63% |
| Fairway Independent Mortgage | B | 3,327 | 3.2% | 6.75% |
Frequently asked questions
Minnesota: 310 applications in 2025, of which 251 were originated and 20 denied.
6.5% of all applications, or 7.2% of the applications it actually decided on. The Minnesota statewide average across all lenders was 13.6%.
The median rate on loans CENTRICITY Credit Union originated in Minnesota in 2025 was 6.74%, against a statewide median of 6.63%.
About this data. Figures are CENTRICITY Credit Union's own HMDA filing for properties located in Minnesota, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology