Applications / Mortgage Analytics / Lenders / Minnesota / SouthPoint Financial Credit Union / Competition
SouthPoint Financial Credit Union
Sleepy Eye, MN · Credit union · NCUA · $610 million assets · 311 loans in 2025
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311
loans originated, 2025
418
applications, 2025
5
states and territories
0
gaps bigger than at similar lenders
Who SouthPoint Financial Credit Union competes with, by dollars lent in 2025, in its five largest markets and the three it entered most recently. A Pareto chart puts the lenders in order of size and draws their running share, so the reader sees how concentrated each market is: where the line climbs steeply, a few lenders hold most of it.
FIG. 1 — NON-METRO MINNESOTA, 2025
SouthPoint Financial Credit Union ranks 46th of 536 lenders in non-metro Minnesota, with $30.8M lent: 0.6% of a $5.28B market.
non-metro Minnesota is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and SouthPoint Financial Credit Union in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 31% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 2 — MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI, 2025
SouthPoint Financial Credit Union ranks 189th of 688 lenders in Minneapolis-St. Paul-Bloomington, MN-WI, with $15.3M lent: 0.1% of a $27.60B market.
Minneapolis-St. Paul-Bloomington, MN-WI is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and SouthPoint Financial Credit Union in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 32% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 3 — MANKATO, MN, 2025
SouthPoint Financial Credit Union ranks 20th of 180 lenders in Mankato, MN, with $7.1M lent: 1.4% of a $491.5M market.
Mankato, MN is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and SouthPoint Financial Credit Union in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 56% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 4 — ST. CLOUD, MN, 2025
SouthPoint Financial Credit Union ranks 129th of 243 lenders in St. Cloud, MN, with $685K lent: 0.1% of a $1.04B market.
St. Cloud, MN is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and SouthPoint Financial Credit Union in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 43% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 5 — RACINE-MOUNT PLEASANT, WI, 2025
SouthPoint Financial Credit Union ranks 165th of 285 lenders in Racine-Mount Pleasant, WI, with $555K lent: 0.0% of a $1.15B market.
Racine-Mount Pleasant, WI is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and SouthPoint Financial Credit Union in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 42% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 6 — RAPID CITY, SD, 2025
SouthPoint Financial Credit Union ranks 142nd of 181 lenders in Rapid City, SD, with $400K lent: 0.0% of a $1.12B market.
Rapid City, SD is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and SouthPoint Financial Credit Union in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 57% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 7 — NON-METRO INDIANA, 2025
SouthPoint Financial Credit Union ranks 426th of 555 lenders in non-metro Indiana, with $305K lent: 0.0% of a $5.84B market.
non-metro Indiana is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and SouthPoint Financial Credit Union in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 30% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 8 — CEDAR RAPIDS, IA, 2025
SouthPoint Financial Credit Union ranks 188th of 210 lenders in Cedar Rapids, IA, with $135K lent: 0.0% of a $1.53B market.
Cedar Rapids, IA is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and SouthPoint Financial Credit Union in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 62% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
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