Credit Union 1 in Minnesota vs the state
18.3%Denial rate+4.71 pts vs state
23.2%Decision denial rate+6.86 pts vs state
57.8%Origination rate-8.62 pts vs state
7.00%Median rate+0.38 pts vs state
1.03Rate spread (pts)+0.78 pts vs state
$100kMedian applicant income
41Loans originated
13Denied
What Credit Union 1 lends in Minnesota
By loan purpose
By loan type
Why it denied Minnesota applicants
Where in Minnesota
Counties with the most Credit Union 1 applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Benton County | 25 | 15 | 4 | 16.0% |
| Stearns County | 25 | 13 | 6 | 24.0% |
| Morrison County | 5 | 2 | 2 | 40.0% |
| Sherburne County | 4 | 4 | 0 | 0.0% |
| Wright County | 3 | 1 | 1 | 33.3% |
| Hennepin County | 3 | 2 | 0 | 0.0% |
| Crow Wing County | 2 | 2 | 0 | 0.0% |
| Goodhue County | 1 | 1 | 0 | 0.0% |
| Douglas County | 1 | 0 | 0 | 0.0% |
| Ramsey County | 1 | 0 | 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: 71 applications in 2025, of which 41 were originated and 13 denied.
18.3% of all applications, or 23.2% of the applications it actually decided on. The Minnesota statewide average across all lenders was 13.6%.
The median rate on loans Credit Union 1 originated in Minnesota in 2025 was 7.00%, against a statewide median of 6.63%.
About this data. Figures are Credit Union 1'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