SHAREPOINT CREDIT UNION
SHAREPOINT CREDIT UNION received 178 applications in 2025 and made 122 mortgages, in 17 counties across 3 states. The median rate its borrowers got was 6.990% on a median loan of $75,000. Of 152 decisions, 19 were denials — 12.5%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300DL0FLZ3XZV5J76 |
|---|---|
| Applications received | 178 |
| Mortgages made | 122 |
| Denied | 19 |
| Approved, not taken up | 11 |
| Withdrawn or incomplete | 26 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.753 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 | 30 | 6.625% | $305,000 | 2.9% |
| Refinancing | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Cash-out refinancing | 38 | 7.058% | $80,000 | 18.0% |
| Other purposes | 53 | 6.990% | $45,000 | 8.2% |
Where SHAREPOINT CREDIT UNION lends most
The 17 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Hennepin County, MN | 65 | 6.740% | 16.3% |
| Anoka County, MN | 12 | 6.933% | 0.0% |
| Dakota County, MN | 11 | 7.375% | 7.7% |
| Wright County, MN | 9 | Under 10 loans | 10.0% |
| Scott County, MN | 5 | Under 10 loans | 0.0% |
| Ramsey County, MN | 4 | Under 10 loans | 14.3% |
| Sherburne County, MN | 3 | Under 10 loans | 0.0% |
| Carver County, MN | 2 | Under 10 loans | 0.0% |
| Isanti County, MN | 2 | Under 10 loans | 0.0% |
| Le Sueur County, MN | 2 | Under 10 loans | 0.0% |
| Rice County, MN | 2 | Under 10 loans | 33.3% |
| St. Croix County, WI | 2 | Under 10 loans | 33.3% |
| Cass County, MN | 1 | Under 10 loans | 50.0% |
| McLeod County, MN | 1 | Under 10 loans | 0.0% |
| Washington County, MN | 1 | Under 10 loans | 0.0% |
| Haywood County, NC | 0 | Under 10 loans | 0.0% |
| Kenosha County, WI | 0 | Under 10 loans | Not published |
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When SHAREPOINT 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.