Veridian Credit Union in Minnesota vs the state
10.1%Denial rate-3.52 pts vs state
12.9%Decision denial rate-3.43 pts vs state
66.5%Origination rate+0.08 pts vs state
6.74%Median rate+0.12 pts vs state
-0.28Rate spread (pts)-0.53 pts vs state
$146kMedian applicant income
402Loans originated
61Denied
Trend in Minnesota
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 292 | 234 | 9.9% | 8.00% | #97 |
| 2024 | 494 | 296 | 16.2% | 7.50% | #78 |
| 2025 | 605 | 402 | 10.1% | 6.74% | #70 |
What Veridian Credit Union lends in Minnesota
By loan purpose
By loan type
Why it denied Minnesota applicants
Where in Minnesota
Counties with the most Veridian Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Hennepin County | 214 | 148 | 24 | 11.2% |
| Dakota County | 66 | 45 | 5 | 7.6% |
| Anoka County | 46 | 27 | 6 | 13.0% |
| Washington County | 41 | 24 | 2 | 4.9% |
| Wright County | 34 | 31 | 2 | 5.9% |
| Carver County | 31 | 18 | 5 | 16.1% |
| Ramsey County | 29 | 19 | 4 | 13.8% |
| Scott County | 27 | 16 | 3 | 11.1% |
| Mower County | 13 | 8 | 2 | 15.4% |
| Sherburne County | 10 | 7 | 1 | 10.0% |
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: 605 applications in 2025, of which 402 were originated and 61 denied.
10.1% of all applications, or 12.9% of the applications it actually decided on. The Minnesota statewide average across all lenders was 13.6%.
The median rate on loans Veridian Credit Union originated in Minnesota in 2025 was 6.74%, against a statewide median of 6.63%.
About this data. Figures are Veridian 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