Lender in Minnesota · HMDA 2025
Trustone Financial Credit Union mortgages in Minnesota
Trustone Financial Credit Union's 2025 home-purchase and refinance lending in Minnesota, compared with all lenders in the state.
Trustone Financial Credit Union originated 912 owner-occupied single-family loans in Minnesota from 1,080 completed applications, making it the state's #19 lender by volume.
Its median conventional purchase loan costs were $4,010 versus $5,100 for all Minnesota lenders, at a median 30-year fixed rate of 6.625% (Minnesota: 6.625%).
Loans in MN
912
of 1,080 applications
Denial rate
7.5%
Purchase · MN 5.2%
Rate spread
+0.05 pts
Conv. · MN +0.15 pts
Loan amount
$305,000
Purchase · MN $305,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 799 | 706 | 7.5% | 6.625% | +0.05 pts | $4,010 | $305,000 |
| Refinance | 202 | 150 | 18.8% | 6.375% | +0.00 pts | $2,640 | $275,000 |
| Cash-out refinance | 79 | 56 | 19.0% | 7.000% | +0.24 pts | $3,620 | $255,000 |
*Conventional loans only; medians with at least 20 loans.
Minnesota counties where Trustone Financial Credit Union ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Lake County | 10 | 3 | 1.6% |
| Hennepin County | 11 | 331 | 2.0% |
| Ramsey County | 11 | 121 | 2.1% |
| Chisago County | 11 | 23 | 2.5% |
| Anoka County | 16 | 92 | 1.7% |
| Scott County | 17 | 42 | 1.7% |
| Dakota County | 20 | 91 | 1.4% |
| Goodhue County | 22 | 7 | 1.1% |
| Renville County | 22 | 2 | 1.4% |
| Sherburne County | 23 | 20 | 1.1% |
| Stearns County | 23 | 20 | 1.0% |
| Todd County | 23 | 3 | 1.1% |
| Roseau County | 24 | 1 | 0.7% |
| Washington County | 25 | 47 | 1.0% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology