Credit Human Federal Credit Union in Minnesota vs the state
85.7%Denial rate+72.11 pts vs state
85.7%Decision denial rate+69.36 pts vs state
3.6%Origination rate-62.80 pts vs state
8.70%Median rate+2.07 pts vs state
2.45Rate spread (pts)+2.20 pts vs state
$55kMedian applicant income
1Loans originated
24Denied
Trend in Minnesota
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 61 | 3 | 88.5% | 8.20% | #245 |
| 2024 | 42 | 0 | 88.1% | — | #293 |
| 2025 | 28 | 1 | 85.7% | 8.70% | #353 |
What Credit Human Federal Credit Union lends in Minnesota
By loan purpose
By loan type
Why it denied Minnesota applicants
Where in Minnesota
Counties with the most Credit Human Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Clay County | 8 | 0 | 8 | 100.0% |
| Anoka County | 6 | 0 | 6 | 100.0% |
| Wright County | 2 | 0 | 1 | 50.0% |
| Dakota County | 2 | 0 | 2 | 100.0% |
| St. Louis County | 2 | 0 | 2 | 100.0% |
| Ramsey County | 2 | 0 | 0 | 0.0% |
| Wilkin County | 1 | 1 | 0 | 0.0% |
| Isanti County | 1 | 0 | 1 | 100.0% |
| Mille Lacs County | 1 | 0 | 1 | 100.0% |
| Sherburne County | 1 | 0 | 1 | 100.0% |
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: 28 applications in 2025, of which 1 were originated and 24 denied.
85.7% of all applications, or 85.7% of the applications it actually decided on. The Minnesota statewide average across all lenders was 13.6%.
The median rate on loans Credit Human Federal Credit Union originated in Minnesota in 2025 was 8.70%, against a statewide median of 6.63%.
About this data. Figures are Credit Human Federal 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