Applications / Mortgage Analytics / Lenders / Minnesota / Building Trades Federal Credit Union
Maple Grove, MN · Credit union · NCUA · $240 million assets · 69 loans in 2025
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69
loans originated, 2025
82
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Building Trades Federal Credit Union does not finance home purchases at all; nearly half of its 69 loans in 2025 paid for home improvements.
Home improvement made up 46.4% of its loans, other purposes 30.4% and refinances 23.2%. It reported no purchase loans. Its typical loan was $55,000, against $95,000 at similar lenders, credit unions making between half and twice as many loans. That puts it among the lowest tenth. Every loan was conventional.
Its 69 loans put it near the middle of its peers, whose typical count was 70. But its total of $4.2 million was lower than at about nine in ten of them, against $9.8 million. Small home-improvement loans may account for the gap.
It made 69 loans, down 8% from 75 in 2024, while similar lenders grew 7% and the whole market 10%. It made 119 loans in 2018 and 42 in 2020. It filed no report for 2021, a gap in the record rather than a year without lending.
Low- and moderate-income (LMI) neighborhoods took 23.2% of its loans, up from 5.3% in 2024 and above the 17.2% at similar lenders. That is higher than about seven in ten of them. With 69 loans, a handful can move the figure. LMI borrowers took 29.0%, near the middle of its peers.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. Building Trades Federal Credit Union took 82 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 46.4% · Other 30.4% · Refinance 23.2%
Conventional 100.0% · of 69 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Minnesota | 64 | 92.8% |
| Wisconsin | 5 | 7.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Minneapolis-St. Paul-Bloomington | 55 |
| Duluth | 1 |
| La Crosse-Onalaska | 1 |
| Rochester | 1 |
| St. Cloud | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300CMT3RKMW1QLO34 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 350590 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 524414 | 1994–2017 |
Established 1 January 1959. Reported under HMDA 1994-2025.
Mergers, name changes, data editions and corrections: Building Trades Federal Credit Union's data.
Building Trades Federal Credit Union's data
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Building Trades Federal Credit Union and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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