Superior Choice Credit Union in Minnesota vs the state
20.0%Denial rate+6.40 pts vs state
21.6%Decision denial rate+5.27 pts vs state
71.3%Origination rate+4.88 pts vs state
6.00%Median rate-0.63 pts vs state
-1.20Rate spread (pts)-1.45 pts vs state
$109kMedian applicant income
57Loans originated
16Denied
Trend in Minnesota
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 132 | 90 | 18.9% | 7.00% | #152 |
| 2024 | 103 | 68 | 17.5% | 6.88% | #187 |
| 2025 | 80 | 57 | 20.0% | 6.00% | #232 |
What Superior Choice Credit Union lends in Minnesota
By loan purpose
By loan type
Why it denied Minnesota applicants
Where in Minnesota
Counties with the most Superior Choice Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| St. Louis County | 51 | 41 | 7 | 13.7% |
| Itasca County | 14 | 3 | 7 | 50.0% |
| Carlton County | 6 | 6 | 0 | 0.0% |
| Dakota County | 3 | 2 | 1 | 33.3% |
| Ramsey County | 2 | 1 | 1 | 50.0% |
| Anoka County | 1 | 1 | 0 | 0.0% |
| Hennepin County | 1 | 1 | 0 | 0.0% |
| Pine 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: 80 applications in 2025, of which 57 were originated and 16 denied.
20.0% of all applications, or 21.6% of the applications it actually decided on. The Minnesota statewide average across all lenders was 13.6%.
The median rate on loans Superior Choice Credit Union originated in Minnesota in 2025 was 6.00%, against a statewide median of 6.63%.
About this data. Figures are Superior Choice 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