# SHAREPOINT CREDIT UNION

> **Canonical URL:** https://saferate.com/lenders/sharepoint-credit-union


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


SHAREPOINT CREDIT UNION is a credit union, headquartered in Bloomington, MN, serving borrowers across 2 states, with 29 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 24% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 55% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300DL0FLZ3XZV5J76
- **Headquarters:** Bloomington, MN
- **Geographic Reach:** Regional
- **States Served:** 2
- **State List:** MN, WI
- **Markets (MSAs):** 1
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 76/100
- Rating: ●●●●○ (4/5)

### Pull Through: Sound ☺️
- Score: 45/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.363%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $708
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 29
- **Dollar Volume:** $7 million
- **Applications Received:** 37
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $225,000
- **Average Borrower Income:** $141,379
- **Average Property Value:** $419,828

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 18/100 | 29 | +0.363% | $708 | Mediocre 😐 |

### Product Performance by Purpose

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 16/100 | 14 | $4M | +0.158% | Mediocre 😐 |
| Refinance | 28/100 | 15 | $2M | +0.619% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| MN | 28 | 0.04% | 59/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Minneapolis | MN-WI | 27 | 59/100 |

## Frequently Asked Questions

### What loan types does SHAREPOINT CREDIT UNION offer?

SHAREPOINT CREDIT UNION offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does SHAREPOINT CREDIT UNION offer mortgages?

SHAREPOINT CREDIT UNION offers mortgages in 2 states: MN, WI.

### How competitive are SHAREPOINT CREDIT UNION's mortgage rates?

SHAREPOINT CREDIT UNION has a pricing score of 76/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.363% above market average.

### What type of lender is SHAREPOINT CREDIT UNION?

SHAREPOINT CREDIT UNION is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Bloomington, MN.

### What is SHAREPOINT CREDIT UNION's loan approval success rate?

SHAREPOINT CREDIT UNION has a pull-through score of 45/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/sharepoint-credit-union

### How to Cite

> "SHAREPOINT CREDIT UNION Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/sharepoint-credit-union

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