No single line of business
Refinances made up 32.0% of its 122 loans in 2025, purchases 24.6%, other purposes 22.1% and home improvement 21.3%. Every loan was conventional, with no government backing.
Applications / Mortgage Analytics / Lenders / Minnesota / Sharepoint Credit Union
Sharepoint Credit Union
Bloomington, MN · Credit union · NCUA · $363 million assets · 122 loans in 2025
Sharepoint Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
122
loans originated, 2025
178
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Sharepoint Credit Union, a Twin Cities lender, splits its lending almost evenly between refinancing, home buying, home improvement and other purposes, mostly in small loans.
Smaller loans
Its typical loan was $75,000, smaller than at most similar lenders, credit unions making between half and twice as many loans, where $105,000 was typical. That fits a lender doing much home-improvement and other-purpose lending.
Modest-income borrowers
Low- and moderate-income borrowers took 36.4% of its loans, more than at about seven in ten similar lenders, whose typical share was 29.1%. Its share in low- and moderate-income neighborhoods, 15.6%, was near their 17.2%.
Flat while others grew
Its loans fell 2% while similar lenders grew 8% and the whole market 10%. It has made between 122 and 127 loans a year since 2023, after 234 in 2022. In Minneapolis-St. Paul it held 0.1% of lending and ranked 183rd of 688. It merged with Star Choice Credit Union in 2024.
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
122 loans in 2025, against a peak of 234 in 2022.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Sharepoint Credit Union took 178 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
32.0% of its 2025 loans were refinance loans; all were conventional loans.
Refinance 32.0% · Purchase 24.6% · Other 22.1% · Home improvement 21.3%
Conventional 100.0% · of 122 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
2 states, 1 metro, 15 counties
| State | Loans | Share |
|---|---|---|
| Minnesota | 120 | 98.4% |
| Wisconsin | 2 | 1.6% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Minneapolis-St. Paul-Bloomington | 118 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300DL0FLZ3XZV5J76 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 410298 | 2012–2023 |
| Respondent ID (the HMDA filer code before 2018) | 563098 | 2012–2017 |
Established 1 January 1933. Reported under HMDA 2012-2025.
Mergers, name changes, data editions and corrections: Sharepoint Credit Union's data.
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