Minnesota Valley Federal Credit Union in Minnesota vs the state
4.8%Denial rate-8.79 pts vs state
5.2%Decision denial rate-11.14 pts vs state
87.5%Origination rate+21.13 pts vs state
—Median rate
—Rate spread (pts)
$84kMedian applicant income
91Loans originated
5Denied
Trend in Minnesota
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 141 | 134 | 2.8% | — | #147 |
| 2024 | 104 | 93 | 2.9% | — | #186 |
| 2025 | 104 | 91 | 4.8% | — | #197 |
What Minnesota Valley Federal Credit Union lends in Minnesota
By loan purpose
By loan type
Why it denied Minnesota applicants
Where in Minnesota
Counties with the most Minnesota Valley Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Blue Earth County | 50 | 44 | 3 | 6.0% |
| Nicollet County | 27 | 23 | 1 | 3.7% |
| Le Sueur County | 11 | 11 | 0 | 0.0% |
| Brown County | 3 | 2 | 1 | 33.3% |
| Waseca County | 3 | 2 | 0 | 0.0% |
| Watonwan County | 1 | 1 | 0 | 0.0% |
| Stearns County | 1 | 1 | 0 | 0.0% |
| Martin County | 1 | 1 | 0 | 0.0% |
| Isanti County | 1 | 1 | 0 | 0.0% |
| Washington 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: 104 applications in 2025, of which 91 were originated and 5 denied.
4.8% of all applications, or 5.2% of the applications it actually decided on. The Minnesota statewide average across all lenders was 13.6%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are Minnesota Valley 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