City-County Credit Union in Minnesota vs the state
17.9%Denial rate+4.31 pts vs state
22.6%Decision denial rate+6.29 pts vs state
58.8%Origination rate-7.56 pts vs state
7.00%Median rate+0.38 pts vs state
1.11Rate spread (pts)+0.86 pts vs state
$120kMedian applicant income
197Loans originated
60Denied
Trend in Minnesota
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 399 | 235 | 22.6% | 6.49% | #83 |
| 2024 | 276 | 140 | 24.3% | 6.99% | #104 |
| 2025 | 335 | 197 | 17.9% | 7.00% | #104 |
What City-County Credit Union lends in Minnesota
By loan purpose
By loan type
Why it denied Minnesota applicants
Where in Minnesota
Counties with the most City-County Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Washington County | 75 | 41 | 16 | 21.3% |
| Hennepin County | 72 | 41 | 11 | 15.3% |
| Ramsey County | 71 | 34 | 19 | 26.8% |
| Dakota County | 43 | 28 | 5 | 11.6% |
| Anoka County | 26 | 19 | 1 | 3.8% |
| Wright County | 10 | 7 | 1 | 10.0% |
| Scott County | 5 | 3 | 1 | 20.0% |
| St. Louis County | 5 | 4 | 0 | 0.0% |
| Sherburne County | 5 | 3 | 2 | 40.0% |
| Carver County | 4 | 4 | 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: 335 applications in 2025, of which 197 were originated and 60 denied.
17.9% of all applications, or 22.6% of the applications it actually decided on. The Minnesota statewide average across all lenders was 13.6%.
The median rate on loans City-County Credit Union originated in Minnesota in 2025 was 7.00%, against a statewide median of 6.63%.
About this data. Figures are City-County 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