University of Wisconsin Credit Union in Minnesota vs the state
6.8%Denial rate-6.84 pts vs state
7.8%Decision denial rate-8.54 pts vs state
75.7%Origination rate+9.31 pts vs state
6.13%Median rate-0.50 pts vs state
-0.22Rate spread (pts)-0.47 pts vs state
$151kMedian applicant income
56Loans originated
5Denied
Trend in Minnesota
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 55 | 42 | 7.3% | 6.00% | #259 |
| 2024 | 80 | 55 | 11.3% | 6.50% | #216 |
| 2025 | 74 | 56 | 6.8% | 6.13% | #240 |
What University of Wisconsin Credit Union lends in Minnesota
By loan purpose
By loan type
Why it denied Minnesota applicants
Where in Minnesota
Counties with the most University of Wisconsin Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Hennepin County | 29 | 21 | 2 | 6.9% |
| Ramsey County | 10 | 8 | 1 | 10.0% |
| Dakota County | 9 | 8 | 1 | 11.1% |
| St. Louis County | 5 | 3 | 0 | 0.0% |
| Winona County | 3 | 3 | 0 | 0.0% |
| Rice County | 2 | 1 | 1 | 50.0% |
| Carver County | 2 | 1 | 0 | 0.0% |
| Washington County | 2 | 2 | 0 | 0.0% |
| Itasca County | 2 | 2 | 0 | 0.0% |
| Blue Earth 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: 74 applications in 2025, of which 56 were originated and 5 denied.
6.8% of all applications, or 7.8% of the applications it actually decided on. The Minnesota statewide average across all lenders was 13.6%.
The median rate on loans University of Wisconsin Credit Union originated in Minnesota in 2025 was 6.13%, against a statewide median of 6.63%.
About this data. Figures are University of Wisconsin 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