Lender in Minnesota · HMDA 2025
Wings Financial Credit Union mortgages in Minnesota
Wings Financial Credit Union's 2025 home-purchase and refinance lending in Minnesota, compared with all lenders in the state.
Wings Financial Credit Union originated 757 owner-occupied single-family loans in Minnesota from 937 completed applications, making it the state's #24 lender by volume.
Its median conventional purchase loan costs were $3,970 versus $5,100 for all Minnesota lenders, at a median 30-year fixed rate of 6.375% (Minnesota: 6.625%).
Loans in MN
757
of 937 applications
Denial rate
1.0%
Purchase · MN 5.2%
Rate spread
−0.11 pts
Conv. · MN +0.15 pts
Loan amount
$335,000
Purchase · MN $305,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 681 | 596 | 1.0% | 6.375% | −0.11 pts | $3,970 | $335,000 |
| Refinance | 127 | 75 | 10.2% | — | −0.15 pts | $3,620 | $345,000 |
| Cash-out refinance | 129 | 86 | 14.7% | 6.375% | −0.09 pts | $3,410 | $255,000 |
*Conventional loans only; medians with at least 20 loans.
Minnesota counties where Wings Financial Credit Union ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Dakota County | 9 | 149 | 2.3% |
| Kittson County | 11 | 1 | 2.9% |
| Hennepin County | 18 | 261 | 1.6% |
| Scott County | 18 | 40 | 1.7% |
| Rice County | 18 | 11 | 1.4% |
| Crow Wing County | 19 | 13 | 1.5% |
| Koochiching County | 19 | 1 | 0.8% |
| Carver County | 20 | 25 | 1.3% |
| Pennington County | 21 | 1 | 0.9% |
| Stevens County | 22 | 1 | 1.3% |
| Washington County | 24 | 50 | 1.1% |
| Anoka County | 25 | 56 | 1.0% |
| Grant County | 25 | 1 | 1.4% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology