Sharepoint Credit Union in Minnesota vs the state
10.4%Denial rate-3.20 pts vs state
12.2%Decision denial rate-4.19 pts vs state
69.4%Origination rate+2.99 pts vs state
6.99%Median rate+0.37 pts vs state
0.75Rate spread (pts)+0.50 pts vs state
$114kMedian applicant income
120Loans originated
18Denied
Trend in Minnesota
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 189 | 124 | 13.8% | 6.50% | #127 |
| 2024 | 176 | 121 | 12.5% | 7.00% | #138 |
| 2025 | 173 | 120 | 10.4% | 6.99% | #147 |
What Sharepoint Credit Union lends in Minnesota
By loan purpose
By loan type
Why it denied Minnesota applicants
Where in Minnesota
Counties with the most Sharepoint Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Hennepin County | 94 | 65 | 13 | 13.8% |
| Dakota County | 17 | 11 | 1 | 5.9% |
| Anoka County | 15 | 12 | 0 | 0.0% |
| Wright County | 12 | 9 | 1 | 8.3% |
| Ramsey County | 8 | 4 | 1 | 12.5% |
| Scott County | 7 | 5 | 0 | 0.0% |
| Carver County | 4 | 2 | 0 | 0.0% |
| Sherburne County | 4 | 3 | 0 | 0.0% |
| Rice County | 3 | 2 | 1 | 33.3% |
| Cass County | 2 | 1 | 1 | 50.0% |
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: 173 applications in 2025, of which 120 were originated and 18 denied.
10.4% of all applications, or 12.2% of the applications it actually decided on. The Minnesota statewide average across all lenders was 13.6%.
The median rate on loans Sharepoint Credit Union originated in Minnesota in 2025 was 6.99%, against a statewide median of 6.63%.
About this data. Figures are Sharepoint 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