TOWN AND COUNTRY Credit Union in Minnesota vs the state
5.4%Denial rate-8.17 pts vs state
6.9%Decision denial rate-9.50 pts vs state
73.9%Origination rate+7.54 pts vs state
6.62%Median rate0.00 pts vs state
0.48Rate spread (pts)+0.23 pts vs state
$110kMedian applicant income
68Loans originated
5Denied
Trend in Minnesota
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 128 | 109 | 0.0% | 6.50% | #159 |
| 2024 | 133 | 98 | 5.3% | 6.74% | #163 |
| 2025 | 92 | 68 | 5.4% | 6.62% | #219 |
What TOWN AND COUNTRY Credit Union lends in Minnesota
By loan purpose
By loan type
Why it denied Minnesota applicants
Where in Minnesota
Counties with the most TOWN AND COUNTRY Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Clay County | 65 | 49 | 3 | 4.6% |
| Otter Tail County | 12 | 6 | 1 | 8.3% |
| Becker County | 4 | 3 | 1 | 25.0% |
| Wilkin County | 3 | 2 | 0 | 0.0% |
| Wadena County | 1 | 1 | 0 | 0.0% |
| Norman County | 1 | 1 | 0 | 0.0% |
| Polk County | 1 | 1 | 0 | 0.0% |
| Hennepin County | 1 | 1 | 0 | 0.0% |
| Ramsey County | 1 | 1 | 0 | 0.0% |
| Mahnomen 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: 92 applications in 2025, of which 68 were originated and 5 denied.
5.4% of all applications, or 6.9% of the applications it actually decided on. The Minnesota statewide average across all lenders was 13.6%.
The median rate on loans TOWN AND COUNTRY Credit Union originated in Minnesota in 2025 was 6.62%, against a statewide median of 6.63%.
About this data. Figures are TOWN AND COUNTRY 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