WESTCONSIN Credit Union in Minnesota vs the state
11.3%Denial rate-2.35 pts vs state
12.7%Decision denial rate-3.67 pts vs state
76.3%Origination rate+9.88 pts vs state
7.00%Median rate+0.38 pts vs state
0.51Rate spread (pts)+0.26 pts vs state
$111kMedian applicant income
61Loans originated
9Denied
Trend in Minnesota
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 88 | 59 | 15.9% | 7.38% | #199 |
| 2024 | 80 | 58 | 15.0% | 7.75% | #217 |
| 2025 | 80 | 61 | 11.3% | 7.00% | #231 |
What WESTCONSIN Credit Union lends in Minnesota
By loan purpose
By loan type
Why it denied Minnesota applicants
Where in Minnesota
Counties with the most WESTCONSIN Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Washington County | 22 | 18 | 2 | 9.1% |
| Goodhue County | 10 | 9 | 1 | 10.0% |
| Dakota County | 10 | 8 | 2 | 20.0% |
| Ramsey County | 10 | 7 | 0 | 0.0% |
| Hennepin County | 6 | 4 | 1 | 16.7% |
| Chisago County | 6 | 4 | 1 | 16.7% |
| Wabasha County | 4 | 3 | 1 | 25.0% |
| St. Louis County | 2 | 1 | 0 | 0.0% |
| Hubbard County | 2 | 2 | 0 | 0.0% |
| Carlton County | 1 | 0 | 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 61 were originated and 9 denied.
11.3% of all applications, or 12.7% of the applications it actually decided on. The Minnesota statewide average across all lenders was 13.6%.
The median rate on loans WESTCONSIN Credit Union originated in Minnesota in 2025 was 7.00%, against a statewide median of 6.63%.
About this data. Figures are WESTCONSIN 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