Members Cooperative Credit Union
Members Cooperative Credit Union received 845 applications in 2025 and made 556 mortgages, in 36 counties across 2 states. The median rate its borrowers got was 7.600% on a median loan of $85,000. Of 693 decisions, 130 were denials — 18.8%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300GS2JP8CQK0MD31 |
|---|---|
| Applications received | 845 |
| Mortgages made | 556 |
| Denied | 130 |
| Approved, not taken up | 7 |
| Withdrawn or incomplete | 152 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.757 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 | 182 | 7.000% | $205,000 | 10.6% |
| Refinancing | 110 | 7.750% | $75,000 | 19.6% |
| Cash-out refinancing | 9 | Under 10 loans | Under 10 loans | 50.0% |
| Other purposes | 255 | 7.750% | $55,000 | 21.8% |
Where Members Cooperative Credit Union lends most
The 36 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 | 172 | 7.500% | 16.7% |
| Carlton County, MN | 115 | 7.750% | 17.7% |
| Pine County, MN | 68 | 7.563% | 16.9% |
| Aitkin County, MN | 46 | 7.750% | 9.8% |
| Itasca County, MN | 34 | 7.188% | 30.0% |
| Douglas County, WI | 27 | 7.750% | 9.7% |
| Chisago County, MN | 20 | 7.750% | 20.0% |
| Crow Wing County, MN | 15 | 7.250% | 21.1% |
| Isanti County, MN | 9 | Under 10 loans | 30.8% |
| Anoka County, MN | 6 | Under 10 loans | 0.0% |
| Kanabec County, MN | 6 | Under 10 loans | 25.0% |
| Cass County, MN | 4 | Under 10 loans | 33.3% |
| Hennepin County, MN | 4 | Under 10 loans | 55.6% |
| Lake County, MN | 4 | Under 10 loans | 42.9% |
| Burnett County, WI | 3 | Under 10 loans | 0.0% |
| Cook County, MN | 2 | Under 10 loans | 50.0% |
| Goodhue County, MN | 2 | Under 10 loans | 0.0% |
| Mille Lacs County, MN | 2 | Under 10 loans | 33.3% |
| Morrison County, MN | 2 | Under 10 loans | 33.3% |
| Washington County, MN | 2 | Under 10 loans | 33.3% |
| Beltrami County, MN | 1 | Under 10 loans | 0.0% |
| Dakota County, MN | 1 | Under 10 loans | 50.0% |
| Hubbard County, MN | 1 | Under 10 loans | 50.0% |
| Meeker County, MN | 1 | Under 10 loans | 0.0% |
| Renville County, MN | 1 | Under 10 loans | 0.0% |
| Scott County, MN | 1 | Under 10 loans | 0.0% |
| Sherburne County, MN | 1 | Under 10 loans | 0.0% |
| Stearns County, MN | 1 | Under 10 loans | 0.0% |
| Todd County, MN | 1 | Under 10 loans | 0.0% |
| Wadena County, MN | 1 | Under 10 loans | 0.0% |
| Wright County, MN | 1 | Under 10 loans | 0.0% |
| Bayfield County, WI | 1 | Under 10 loans | 0.0% |
| Sawyer County, WI | 1 | Under 10 loans | 0.0% |
| Pope County, MN | 0 | Under 10 loans | 100.0% |
| Ramsey County, MN | 0 | Under 10 loans | Not published |
| Winona County, MN | 0 | Under 10 loans | Not published |
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When Members Cooperative Credit Union’s figures are published for the next year, or restated.
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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.