Empeople Credit Union in Minnesota vs the state
11.7%Denial rate-1.93 pts vs state
15.9%Decision denial rate-0.44 pts vs state
61.7%Origination rate-4.70 pts vs state
6.49%Median rate-0.13 pts vs state
-0.39Rate spread (pts)-0.64 pts vs state
$129kMedian applicant income
37Loans originated
7Denied
Trend in Minnesota
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 67 | 44 | 22.4% | 6.74% | #233 |
| 2024 | 54 | 32 | 11.1% | 6.68% | #258 |
| 2025 | 60 | 37 | 11.7% | 6.49% | #266 |
What Empeople Credit Union lends in Minnesota
By loan purpose
By loan type
Why it denied Minnesota applicants
Where in Minnesota
Counties with the most Empeople Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Hennepin County | 8 | 4 | 1 | 12.5% |
| Clay County | 6 | 3 | 1 | 16.7% |
| Carver County | 4 | 3 | 0 | 0.0% |
| Kandiyohi County | 3 | 2 | 0 | 0.0% |
| Scott County | 3 | 3 | 0 | 0.0% |
| Winona County | 2 | 2 | 0 | 0.0% |
| Wright County | 2 | 2 | 0 | 0.0% |
| Kittson County | 2 | 1 | 1 | 50.0% |
| Lincoln County | 2 | 1 | 0 | 0.0% |
| Le Sueur County | 2 | 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: 60 applications in 2025, of which 37 were originated and 7 denied.
11.7% of all applications, or 15.9% of the applications it actually decided on. The Minnesota statewide average across all lenders was 13.6%.
The median rate on loans Empeople Credit Union originated in Minnesota in 2025 was 6.49%, against a statewide median of 6.63%.
About this data. Figures are Empeople 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