MY Credit Union
MY Credit Union received 40 applications in 2025 and made 32 mortgages, in 8 counties across 2 states. The median rate its borrowers got was 6.500% on a median loan of $255,000. Of 34 decisions, 2 were denials — 5.9%, most often for credit history.
| Legal Entity Identifier | 254900WAOJC0EM7P8C35 |
|---|---|
| Applications received | 40 |
| Mortgages made | 32 |
| Denied | 2 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 6 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.1335 points |
| 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 | 20 | 6.563% | $285,000 | 0.0% |
| Refinancing | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Cash-out refinancing | 9 | Under 10 loans | Under 10 loans | 18.2% |
Where MY Credit Union lends most
The 8 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Hennepin County, MN | 14 | 6.500% | 12.5% |
| Dakota County, MN | 10 | 6.688% | 0.0% |
| Anoka County, MN | 4 | Under 10 loans | 0.0% |
| Aitkin County, MN | 1 | Under 10 loans | 0.0% |
| Scott County, MN | 1 | Under 10 loans | 0.0% |
| Sherburne County, MN | 1 | Under 10 loans | 0.0% |
| Rusk County, WI | 1 | Under 10 loans | 0.0% |
| Ramsey County, MN | 0 | Under 10 loans | Not published |
Get told when this changes
When MY Credit Union’s figures are published for the next year, or restated.
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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.