MAYO EMPLOYEES FEDERAL CREDIT UNION
MAYO EMPLOYEES FEDERAL CREDIT UNION received 503 applications in 2025 and made 359 mortgages, in 55 counties across 14 states. The median rate its borrowers got was 6.540% on a median loan of $85,000. Of 443 decisions, 83 were denials — 18.7%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300QTN66CFMVWLH03 |
|---|---|
| Applications received | 503 |
| Mortgages made | 359 |
| Denied | 83 |
| Approved, not taken up | 1 |
| Withdrawn or incomplete | 60 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.514 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 | 86 | 6.375% | $645,000 | 0.0% |
| Refinancing | 85 | 6.590% | $85,000 | 20.6% |
| Cash-out refinancing | 5 | Under 10 loans | Under 10 loans | 77.3% |
| Other purposes | 183 | 6.590% | $55,000 | 19.4% |
Where MAYO EMPLOYEES FEDERAL 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 |
|---|---|---|---|
| Olmsted County, MN | 153 | 6.590% | 17.3% |
| Maricopa County, AZ | 62 | 6.590% | 22.5% |
| Dodge County, MN | 24 | 6.490% | 22.6% |
| Duval County, FL | 19 | 6.490% | 9.5% |
| Goodhue County, MN | 10 | 6.540% | 9.1% |
| Eau Claire County, WI | 9 | Under 10 loans | 0.0% |
| St. Johns County, FL | 8 | Under 10 loans | 11.1% |
| Wabasha County, MN | 7 | Under 10 loans | 30.0% |
| Winona County, MN | 7 | Under 10 loans | 30.0% |
| Hennepin County, MN | 5 | Under 10 loans | 0.0% |
| Mower County, MN | 5 | Under 10 loans | 16.7% |
| La Crosse County, WI | 4 | Under 10 loans | 33.3% |
| Dakota County, MN | 3 | Under 10 loans | 50.0% |
| Ramsey County, MN | 3 | Under 10 loans | 0.0% |
| Pinal County, AZ | 2 | Under 10 loans | 33.3% |
| Fillmore County, MN | 2 | Under 10 loans | 66.7% |
| Houston County, MN | 2 | Under 10 loans | 0.0% |
| Nicollet County, MN | 2 | Under 10 loans | 0.0% |
| Rice County, MN | 2 | Under 10 loans | 0.0% |
| Washington County, MN | 2 | Under 10 loans | 0.0% |
| Chippewa County, WI | 2 | Under 10 loans | 0.0% |
| Monroe County, WI | 2 | Under 10 loans | 0.0% |
| Yavapai County, AZ | 1 | Under 10 loans | 0.0% |
| Los Angeles County, CA | 1 | Under 10 loans | 0.0% |
| San Luis Obispo County, CA | 1 | Under 10 loans | 0.0% |
| Clay County, FL | 1 | Under 10 loans | 0.0% |
| Lowndes County, GA | 1 | Under 10 loans | 0.0% |
| Marion County, IN | 1 | Under 10 loans | 0.0% |
| Bremer County, IA | 1 | Under 10 loans | 0.0% |
| Aitkin County, MN | 1 | Under 10 loans | 0.0% |
| Anoka County, MN | 1 | Under 10 loans | 0.0% |
| Blue Earth County, MN | 1 | Under 10 loans | 50.0% |
| Cook County, MN | 1 | Under 10 loans | 0.0% |
| Le Sueur County, MN | 1 | Under 10 loans | 0.0% |
| Martin County, MN | 1 | Under 10 loans | 50.0% |
| Mille Lacs County, MN | 1 | Under 10 loans | 0.0% |
| Otter Tail County, MN | 1 | Under 10 loans | 0.0% |
| St. Louis County, MN | 1 | Under 10 loans | 0.0% |
| Scott County, MN | 1 | Under 10 loans | 0.0% |
| Steele County, MN | 1 | Under 10 loans | 0.0% |
| Bernalillo County, NM | 1 | Under 10 loans | 0.0% |
| Williamson County, TX | 1 | Under 10 loans | 0.0% |
| Pierce County, WI | 1 | Under 10 loans | 0.0% |
| Rock County, WI | 1 | Under 10 loans | 0.0% |
| Sawyer County, WI | 1 | Under 10 loans | 0.0% |
| Vernon County, WI | 1 | Under 10 loans | 0.0% |
| Eagle County, CO | 0 | Under 10 loans | 100.0% |
| Nassau County, FL | 0 | Under 10 loans | Not published |
| Orange County, FL | 0 | Under 10 loans | 100.0% |
| Pinellas County, FL | 0 | Under 10 loans | Not published |
Get told when this changes
When MAYO EMPLOYEES FEDERAL 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.