Wings Financial Credit Union in Minnesota vs the state
16.4%Denial rate+2.76 pts vs state
17.4%Decision denial rate+1.09 pts vs state
65.5%Origination rate-0.86 pts vs state
7.25%Median rate+0.63 pts vs state
0.01Rate spread (pts)-0.24 pts vs state
$126kMedian applicant income
2,594Loans originated
648Denied
Trend in Minnesota
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 4,076 | 2,685 | 13.2% | 7.50% | #7 |
| 2024 | 3,688 | 2,218 | 20.0% | 8.25% | #7 |
| 2025 | 3,960 | 2,594 | 16.4% | 7.25% | #8 |
What Wings Financial Credit Union lends in Minnesota
By loan purpose
By loan type
Why it denied Minnesota applicants
Where in Minnesota
Counties with the most Wings Financial Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Hennepin County | 1,338 | 858 | 230 | 17.2% |
| Dakota County | 779 | 534 | 102 | 13.1% |
| Anoka County | 301 | 187 | 61 | 20.3% |
| Scott County | 292 | 182 | 52 | 17.8% |
| Ramsey County | 257 | 150 | 60 | 23.3% |
| Washington County | 202 | 145 | 21 | 10.4% |
| Carver County | 167 | 118 | 22 | 13.2% |
| Wright County | 124 | 81 | 25 | 20.2% |
| Sherburne County | 73 | 55 | 12 | 16.4% |
| Crow Wing County | 61 | 42 | 9 | 14.8% |
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% |
| Crosscountry Mortgage | B | 3,942 | 2.1% | 6.63% |
| Fairway Independent Mortgage | B | 3,327 | 3.2% | 6.75% |
| Broker Solutions | D | 3,246 | 5.5% | 6.75% |
Frequently asked questions
Minnesota: 3,960 applications in 2025, of which 2,594 were originated and 648 denied.
16.4% of all applications, or 17.4% of the applications it actually decided on. The Minnesota statewide average across all lenders was 13.6%.
The median rate on loans Wings Financial Credit Union originated in Minnesota in 2025 was 7.25%, against a statewide median of 6.63%.
About this data. Figures are Wings Financial 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