CENTRICITY Credit Union
CENTRICITY Credit Union received 425 applications in 2025 and made 344 mortgages, in 13 counties across 2 states. The median rate its borrowers got was 6.740% on a median loan of $80,000. Of 384 decisions, 29 were denials — 7.6%, most often for other. 57 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 549300BFT56DKVQ9BL15 |
|---|---|
| Applications received | 425 |
| Mortgages made | 344 |
| Denied | 29 |
| Approved, not taken up | 11 |
| Withdrawn or incomplete | 41 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.422 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 42 | 6.745% | $160,000 | 0.0% |
| Refinancing | 45 | 6.500% | $95,000 | 9.4% |
| Cash-out refinancing | 39 | 6.750% | $165,000 | 0.0% |
| Other purposes | 218 | 6.740% | $55,000 | 9.7% |
Where CENTRICITY Credit Union lends most
The 13 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| St. Louis County, MN | 198 | 6.740% | 4.2% |
| Douglas County, WI | 87 | 6.750% | 2.2% |
| Carlton County, MN | 32 | 6.490% | 0.0% |
| Pine County, MN | 4 | Under 10 loans | 0.0% |
| Meeker County, MN | 3 | Under 10 loans | 0.0% |
| Bayfield County, WI | 3 | Under 10 loans | 0.0% |
| Itasca County, MN | 2 | Under 10 loans | 0.0% |
| Anoka County, MN | 1 | Under 10 loans | 0.0% |
| Goodhue County, MN | 1 | Under 10 loans | 0.0% |
| Lake County, MN | 1 | Under 10 loans | 0.0% |
| Rice County, MN | 1 | Under 10 loans | 0.0% |
| Monroe County, WI | 1 | Under 10 loans | 0.0% |
| Washburn County, WI | 1 | Under 10 loans | 0.0% |
Get told when this changes
When CENTRICITY Credit Union’s figures are published for the next year, or restated.
Double opt-in, one click to unsubscribe. We never sell or share the list, and we are not a lender, a broker or a lead generator: this is a notification about published data, not a sales call. Privacy.
Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.