Adventure Credit Union
Adventure Credit Union received 569 applications in 2025 and made 415 mortgages, in 36 counties across 3 states. The median rate its borrowers got was 7.000% on a median loan of $85,000. Of 466 decisions, 49 were denials — 10.5%, most often for debt-to-income ratio.
| Legal Entity Identifier | 254900GP2576VSW7TS47 |
|---|---|
| Applications received | 569 |
| Mortgages made | 415 |
| Denied | 49 |
| Approved, not taken up | 2 |
| Withdrawn or incomplete | 103 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.246 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 89 | 5.990% | $235,000 | 10.1% |
| Refinancing | 21 | 6.500% | $115,000 | 22.2% |
| Cash-out refinancing | 49 | 5.990% | $205,000 | 14.0% |
| Other purposes | 256 | 7.490% | $55,000 | 8.8% |
Where Adventure Credit Union lends most
The 36 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Kent County, MI | 196 | 7.240% | 6.2% |
| Ingham County, MI | 43 | 6.990% | 21.8% |
| Ottawa County, MI | 32 | 6.740% | 5.9% |
| Eaton County, MI | 19 | 7.240% | 17.4% |
| Clinton County, MI | 15 | 6.740% | 11.8% |
| Newaygo County, MI | 15 | 6.990% | 0.0% |
| Ionia County, MI | 14 | 7.245% | 30.0% |
| Barry County, MI | 13 | 7.250% | 7.1% |
| Muskegon County, MI | 13 | 7.150% | 0.0% |
| Allegan County, MI | 12 | 6.865% | 14.3% |
| Montcalm County, MI | 12 | 6.990% | 14.3% |
| Mecosta County, MI | 9 | Under 10 loans | 10.0% |
| Kalamazoo County, MI | 3 | Under 10 loans | 0.0% |
| Bay County, MI | 2 | Under 10 loans | 0.0% |
| Lake County, MI | 2 | Under 10 loans | 0.0% |
| Oceana County, MI | 2 | Under 10 loans | 0.0% |
| Genesee County, MI | 1 | Under 10 loans | 0.0% |
| Gladwin County, MI | 1 | Under 10 loans | 0.0% |
| Huron County, MI | 1 | Under 10 loans | 0.0% |
| Jackson County, MI | 1 | Under 10 loans | 0.0% |
| Kalkaska County, MI | 1 | Under 10 loans | 0.0% |
| Leelanau County, MI | 1 | Under 10 loans | 0.0% |
| Livingston County, MI | 1 | Under 10 loans | 0.0% |
| Macomb County, MI | 1 | Under 10 loans | 0.0% |
| Otsego County, MI | 1 | Under 10 loans | 0.0% |
| Roscommon County, MI | 1 | Under 10 loans | 0.0% |
| St. Clair County, MI | 1 | Under 10 loans | 0.0% |
| Sanilac County, MI | 1 | Under 10 loans | 0.0% |
| Van Buren County, MI | 1 | Under 10 loans | 50.0% |
| Cook County, IL | 0 | Under 10 loans | 100.0% |
| Clare County, MI | 0 | Under 10 loans | Not published |
| Oakland County, MI | 0 | Under 10 loans | Not published |
| Osceola County, MI | 0 | Under 10 loans | Not published |
| Shiawassee County, MI | 0 | Under 10 loans | Not published |
| Wayne County, MI | 0 | Under 10 loans | 100.0% |
| Butler County, PA | 0 | Under 10 loans | Not published |
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When Adventure Credit Union’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.