IDEAL Credit Union
IDEAL Credit Union received 1,042 applications in 2025 and made 676 mortgages, in 58 counties across 4 states. The median rate its borrowers got was 4.490% on a median loan of $95,000. Of 986 decisions, 212 were denials — 21.5%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300QRWA4IGMDEDT70 |
|---|---|
| Applications received | 1,042 |
| Mortgages made | 676 |
| Denied | 212 |
| Approved, not taken up | 98 |
| Withdrawn or incomplete | 56 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | -2.66 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 | 108 | 6.000% | $295,000 | 3.9% |
| Refinancing | 36 | 5.688% | $170,000 | 15.1% |
| Cash-out refinancing | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Other purposes | 532 | 4.490% | $75,000 | 24.6% |
Where IDEAL Credit Union lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Washington County, MN | 190 | 4.490% | 17.6% |
| Ramsey County, MN | 152 | 5.125% | 22.5% |
| Dakota County, MN | 82 | 4.490% | 31.8% |
| Anoka County, MN | 62 | 4.490% | 18.4% |
| Hennepin County, MN | 53 | 4.490% | 25.9% |
| St. Croix County, WI | 26 | 4.490% | 25.0% |
| Chisago County, MN | 17 | 6.500% | 21.7% |
| Scott County, MN | 8 | Under 10 loans | 23.1% |
| Carver County, MN | 7 | Under 10 loans | 11.1% |
| Wright County, MN | 7 | Under 10 loans | 0.0% |
| Pierce County, WI | 5 | Under 10 loans | 0.0% |
| Polk County, WI | 5 | Under 10 loans | 37.5% |
| Sherburne County, MN | 4 | Under 10 loans | 0.0% |
| Waukesha County, WI | 4 | Under 10 loans | 0.0% |
| Cass County, MN | 3 | Under 10 loans | 0.0% |
| Itasca County, MN | 3 | Under 10 loans | 25.0% |
| Olmsted County, MN | 3 | Under 10 loans | 0.0% |
| Rice County, MN | 3 | Under 10 loans | 0.0% |
| St. Louis County, MN | 3 | Under 10 loans | 0.0% |
| Burnett County, WI | 3 | Under 10 loans | 40.0% |
| Aitkin County, MN | 2 | Under 10 loans | 0.0% |
| Crow Wing County, MN | 2 | Under 10 loans | 33.3% |
| Isanti County, MN | 2 | Under 10 loans | 25.0% |
| Kanabec County, MN | 2 | Under 10 loans | 0.0% |
| Morrison County, MN | 2 | Under 10 loans | 0.0% |
| Blue Earth County, MN | 1 | Under 10 loans | 0.0% |
| Goodhue County, MN | 1 | Under 10 loans | 0.0% |
| Lake County, MN | 1 | Under 10 loans | 50.0% |
| Lyon County, MN | 1 | Under 10 loans | 0.0% |
| McLeod County, MN | 1 | Under 10 loans | 0.0% |
| Otter Tail County, MN | 1 | Under 10 loans | 66.7% |
| Pine County, MN | 1 | Under 10 loans | 0.0% |
| Todd County, MN | 1 | Under 10 loans | 0.0% |
| Wabasha County, MN | 1 | Under 10 loans | 0.0% |
| Waseca County, MN | 1 | Under 10 loans | 0.0% |
| Winona County, MN | 1 | Under 10 loans | 0.0% |
| Barron County, WI | 1 | Under 10 loans | 50.0% |
| Buffalo County, WI | 1 | Under 10 loans | 0.0% |
| Eau Claire County, WI | 1 | Under 10 loans | 0.0% |
| Kenosha County, WI | 1 | Under 10 loans | 0.0% |
| Marathon County, WI | 1 | Under 10 loans | 0.0% |
| Marinette County, WI | 1 | Under 10 loans | 0.0% |
| Marquette County, WI | 1 | Under 10 loans | 0.0% |
| Monroe County, WI | 1 | Under 10 loans | 0.0% |
| Outagamie County, WI | 1 | Under 10 loans | 0.0% |
| Ozaukee County, WI | 1 | Under 10 loans | 0.0% |
| Racine County, WI | 1 | Under 10 loans | 0.0% |
| Trempealeau County, WI | 1 | Under 10 loans | 0.0% |
| Vilas County, WI | 1 | Under 10 loans | 0.0% |
| Washington County, WI | 1 | Under 10 loans | 0.0% |
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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.