MINNCO CREDIT UNION
MINNCO CREDIT UNION received 438 applications in 2025 and made 251 mortgages, in 26 counties across 2 states. The median rate its borrowers got was 7.000% on a median loan of $65,000. Of 343 decisions, 79 were denials — 23.0%, most often for debt-to-income ratio. 1 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 549300X83ACLZT2UNN87 |
|---|---|
| Applications received | 438 |
| Mortgages made | 251 |
| Denied | 79 |
| Approved, not taken up | 13 |
| Withdrawn or incomplete | 95 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 1.195 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 | 34 | 6.500% | $265,000 | 8.7% |
| Refinancing | 16 | 6.938% | $110,000 | 37.0% |
| Cash-out refinancing | 55 | 7.500% | $95,000 | 8.1% |
| Other purposes | 146 | 7.500% | $45,000 | 28.8% |
Where MINNCO CREDIT UNION lends most
The 26 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Isanti County, MN | 72 | 7.500% | 30.6% |
| Chisago County, MN | 44 | 7.500% | 15.4% |
| Anoka County, MN | 43 | 7.000% | 22.0% |
| Sherburne County, MN | 34 | 7.500% | 20.5% |
| Mille Lacs County, MN | 12 | 6.688% | 20.0% |
| Kanabec County, MN | 9 | Under 10 loans | 21.4% |
| Pine County, MN | 9 | Under 10 loans | 25.0% |
| Hennepin County, MN | 6 | Under 10 loans | 0.0% |
| Washington County, MN | 6 | Under 10 loans | 0.0% |
| Benton County, MN | 3 | Under 10 loans | 0.0% |
| St. Louis County, MN | 2 | Under 10 loans | 0.0% |
| Wright County, MN | 2 | Under 10 loans | 50.0% |
| Carver County, MN | 1 | Under 10 loans | 0.0% |
| Cass County, MN | 1 | Under 10 loans | 0.0% |
| Dakota County, MN | 1 | Under 10 loans | 0.0% |
| Lake of the Woods County, MN | 1 | Under 10 loans | 0.0% |
| Lyon County, MN | 1 | Under 10 loans | 0.0% |
| Ramsey County, MN | 1 | Under 10 loans | 66.7% |
| Stearns County, MN | 1 | Under 10 loans | 0.0% |
| Pierce County, WI | 1 | Under 10 loans | 0.0% |
| Polk County, WI | 1 | Under 10 loans | 0.0% |
| Carlton County, MN | 0 | Under 10 loans | 100.0% |
| Meeker County, MN | 0 | Under 10 loans | 100.0% |
| Morrison County, MN | 0 | Under 10 loans | Not published |
| Wadena County, MN | 0 | Under 10 loans | Not published |
| Burnett County, WI | 0 | Under 10 loans | Not published |
Get told when this changes
When MINNCO 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.