Lender in Minnesota · HMDA 2025
Altra Federal Credit Union mortgages in Minnesota
Altra Federal Credit Union's 2025 home-purchase and refinance lending in Minnesota, compared with all lenders in the state.
Altra Federal Credit Union originated 289 owner-occupied single-family loans in Minnesota from 302 completed applications.
Its median conventional purchase loan costs were $4,220 versus $5,100 for all Minnesota lenders, at a median 30-year fixed rate of 6.525% (Minnesota: 6.625%).
Loans in MN
289
of 302 applications
Denial rate
0.9%
Purchase · MN 5.2%
Rate spread
+0.21 pts
Conv. · MN +0.15 pts
Loan amount
$245,000
Purchase · MN $305,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 236 | 233 | 0.9% | 6.525% | +0.21 pts | $4,220 | $245,000 |
| Refinance | 44 | 36 | 15.9% | — | +0.01 pts | $2,320 | $215,000 |
| Cash-out refinance | 22 | 20 | 4.5% | — | +0.28 pts | $2,820 | $155,000 |
*Conventional loans only; medians with at least 20 loans.
Minnesota counties where Altra Federal Credit Union ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Houston County | 1 | 61 | 25.5% |
| Winona County | 2 | 103 | 21.2% |
| Fillmore County | 6 | 11 | 4.3% |
| Olmsted County | 8 | 67 | 3.0% |
| Wabasha County | 10 | 6 | 2.2% |
| Goodhue County | 16 | 9 | 1.4% |
| Dodge County | 18 | 5 | 1.6% |
| Freeborn County | 23 | 3 | 0.9% |
| Faribault County | 24 | 1 | 0.8% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology