Applications / Mortgage Analytics / Lenders / Minnesota / My Credit Union
Bloomington, MN · Credit union · NCUA · $357 million assets · 32 loans in 2025
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32
loans originated, 2025
40
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
My Credit Union is a small Minnesota home-purchase lender whose lending has shrunk from 238 loans in 2020 to 32 in 2025.
The credit union made 201 loans in 2021, 124 in 2022 and 50 in 2023. In 2025 its loans fell 9% while the whole market grew 10%. One possible reason is higher rates: its typical rate was 3.00% in 2020 and 6.50% in 2025. It has lent in the Minneapolis-St. Paul area since 1990, but with 32 loans its share there rounds to nothing.
Purchases made up 62.5% of its loans and refinances the rest. All were conventional loans, with no government backing, and it bought none from other lenders. Its typical loan, $255,000, was larger than at nine in ten similar lenders (credit unions making between half and twice as many loans), where the typical loan was $95,000.
Some 64.5% of its borrowers had low or moderate incomes (LMI), about twice the 31.7% at similar lenders. With only 32 loans, a handful of borrowers can move that share a long way.
None of its loans was higher-priced (a rate well above the average for similar loans). Its typical rate, 6.50%, was a little below the 6.75% at similar lenders.
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, 2020–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. My Credit Union took 40 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 62.5% · Refinance 37.5%
Conventional 100.0% · of 32 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 | 31 | 96.9% |
| Wisconsin | 1 | 3.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Minneapolis-St. Paul-Bloomington | 30 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900WAOJC0EM7P8C35 | 2020–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 208990 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 560125 | 1990–2016 |
Established 1 January 1957. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: My Credit Union's data.
My Credit Union's data
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