SOUTH METRO FEDERAL CREDIT UNION
SOUTH METRO FEDERAL CREDIT UNION received 81 applications in 2025 and made 70 mortgages, in 12 counties across 3 states. The median rate its borrowers got was 6.125% on a median loan of $115,000. Of 77 decisions, 7 were denials — 9.1%, most often for debt-to-income ratio. 7 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 254900NRU0TO5WZHHH62 |
|---|---|
| Applications received | 81 |
| Mortgages made | 70 |
| Denied | 7 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 4 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 6.429 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 | 37 | 6.375% | $125,000 | 9.8% |
| Refinancing | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Cash-out refinancing | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Other purposes | 20 | 5.500% | $95,000 | 9.1% |
Where SOUTH METRO FEDERAL CREDIT UNION lends most
The 12 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Scott County, MN | 19 | 5.500% | 9.5% |
| Douglas County, NE | 17 | 6.125% | 10.5% |
| Hennepin County, MN | 16 | 6.375% | 15.8% |
| Washtenaw County, MI | 7 | Under 10 loans | 0.0% |
| Dakota County, MN | 5 | Under 10 loans | 0.0% |
| Carver County, MN | 2 | Under 10 loans | 0.0% |
| Aitkin County, MN | 1 | Under 10 loans | 0.0% |
| Houston County, MN | 1 | Under 10 loans | 0.0% |
| Sherburne County, MN | 1 | Under 10 loans | 0.0% |
| Wright County, MN | 1 | Under 10 loans | 0.0% |
| Isanti County, MN | 0 | Under 10 loans | Not published |
| Ramsey County, MN | 0 | Under 10 loans | Not published |
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When SOUTH METRO FEDERAL 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.