St. Paul Federal Credit Union
St. Paul Federal Credit Union received 79 applications in 2025 and made 62 mortgages, in 22 counties across 2 states. The median rate its borrowers got was Not published on a median loan of $255,000. Of 67 decisions, 5 were denials — 7.5%, most often for other.
| Legal Entity Identifier | 254900TFUMB07CBEN720 |
|---|---|
| Applications received | 79 |
| Mortgages made | 62 |
| Denied | 5 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 12 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| 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 | 18 | Not published | $255,000 | 5.3% |
| Refinancing | 23 | Not published | $345,000 | 11.5% |
| Cash-out refinancing | 21 | Not published | $155,000 | 4.6% |
Where St. Paul Federal Credit Union lends most
The 22 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Ramsey County, MN | 18 | Not published | 0.0% |
| Washington County, MN | 11 | Not published | 8.3% |
| Hennepin County, MN | 7 | Under 10 loans | 0.0% |
| Dakota County, MN | 6 | Under 10 loans | 33.3% |
| Carver County, MN | 3 | Under 10 loans | 0.0% |
| Anoka County, MN | 2 | Under 10 loans | 0.0% |
| Chisago County, MN | 2 | Under 10 loans | 0.0% |
| Goodhue County, MN | 2 | Under 10 loans | 0.0% |
| Aitkin County, MN | 1 | Under 10 loans | 0.0% |
| Crow Wing County, MN | 1 | Under 10 loans | 0.0% |
| Itasca County, MN | 1 | Under 10 loans | 0.0% |
| Meeker County, MN | 1 | Under 10 loans | 0.0% |
| Mille Lacs County, MN | 1 | Under 10 loans | 0.0% |
| Sherburne County, MN | 1 | Under 10 loans | 0.0% |
| Burnett County, WI | 1 | Under 10 loans | 0.0% |
| Chippewa County, WI | 1 | Under 10 loans | 0.0% |
| Douglas County, WI | 1 | Under 10 loans | 0.0% |
| Pierce County, WI | 1 | Under 10 loans | 0.0% |
| St. Croix County, WI | 1 | Under 10 loans | 0.0% |
| Carlton County, MN | 0 | Under 10 loans | 100.0% |
| Cass County, MN | 0 | Under 10 loans | Not published |
| Morrison County, MN | 0 | Under 10 loans | Not published |
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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.