Lender in Minnesota · HMDA 2025
Royal Credit Union mortgages in Minnesota
Royal Credit Union's 2025 home-purchase and refinance lending in Minnesota, compared with all lenders in the state.
Royal Credit Union originated 1,025 owner-occupied single-family loans in Minnesota from 1,096 completed applications, making it the state's #17 lender by volume.
Its median conventional purchase loan costs were $6,300 versus $5,100 for all Minnesota lenders, at a median 30-year fixed rate of 6.50% (Minnesota: 6.625%).
Loans in MN
1,025
of 1,096 applications
Denial rate
2.5%
Purchase · MN 5.2%
Rate spread
+0.21 pts
Conv. · MN +0.15 pts
Loan amount
$295,000
Purchase · MN $305,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 989 | 951 | 2.5% | 6.500% | +0.21 pts | $6,300 | $295,000 |
| Refinance | 68 | 46 | 27.9% | — | +0.22 pts | $5,840 | $275,000 |
| Cash-out refinance | 39 | 28 | 23.1% | — | +0.36 pts | $3,910 | $235,000 |
*Conventional loans only; medians with at least 20 loans.
Minnesota counties where Royal Credit Union ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Washington County | 6 | 127 | 2.7% |
| Ramsey County | 7 | 173 | 3.0% |
| Chisago County | 9 | 24 | 2.6% |
| Anoka County | 10 | 125 | 2.3% |
| Hennepin County | 14 | 310 | 1.9% |
| Nobles County | 15 | 2 | 1.1% |
| Dakota County | 16 | 118 | 1.8% |
| Isanti County | 17 | 11 | 1.5% |
| Kandiyohi County | 17 | 6 | 1.3% |
| Kanabec County | 23 | 3 | 1.4% |
| Todd County | 24 | 3 | 1.1% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology