Frankenmuth Credit Union
Frankenmuth Credit Union received 1,047 applications in 2025 and made 937 mortgages, in 44 counties across 1 state. The median rate its borrowers got was 7.125% on a median loan of $125,000. Of 965 decisions, 27 were denials — 2.8%, most often for other. 1 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 254900BQVRDMH5K9QS04 |
|---|---|
| Applications received | 1,047 |
| Mortgages made | 937 |
| Denied | 27 |
| Approved, not taken up | 1 |
| Withdrawn or incomplete | 82 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.8625 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 | 466 | 6.750% | $185,000 | 1.1% |
| Refinancing | 40 | 6.438% | $145,000 | 0.0% |
| Cash-out refinancing | 86 | 6.704% | $115,000 | 3.4% |
| Other purposes | 345 | 7.875% | $65,000 | 5.2% |
Where Frankenmuth Credit Union lends most
The 44 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Saginaw County, MI | 336 | 7.125% | 2.3% |
| Tuscola County, MI | 190 | 7.000% | 3.6% |
| Genesee County, MI | 85 | 7.125% | 0.0% |
| Bay County, MI | 83 | 7.250% | 3.5% |
| Huron County, MI | 52 | 6.875% | 5.5% |
| Midland County, MI | 40 | 7.188% | 2.4% |
| Lapeer County, MI | 14 | 7.313% | 0.0% |
| Sanilac County, MI | 14 | 7.688% | 6.7% |
| Roscommon County, MI | 11 | 6.875% | 0.0% |
| Gladwin County, MI | 10 | 7.375% | 0.0% |
| Arenac County, MI | 9 | Under 10 loans | 10.0% |
| Shiawassee County, MI | 9 | Under 10 loans | 0.0% |
| Ogemaw County, MI | 8 | Under 10 loans | 0.0% |
| Gratiot County, MI | 7 | Under 10 loans | 0.0% |
| Oakland County, MI | 7 | Under 10 loans | 12.5% |
| Grand Traverse County, MI | 6 | Under 10 loans | 0.0% |
| Clare County, MI | 5 | Under 10 loans | 0.0% |
| Iosco County, MI | 5 | Under 10 loans | 0.0% |
| Macomb County, MI | 5 | Under 10 loans | 0.0% |
| Clinton County, MI | 4 | Under 10 loans | 20.0% |
| Wayne County, MI | 4 | Under 10 loans | 0.0% |
| Charlevoix County, MI | 3 | Under 10 loans | 0.0% |
| Emmet County, MI | 3 | Under 10 loans | 0.0% |
| Cheboygan County, MI | 2 | Under 10 loans | 0.0% |
| Dickinson County, MI | 2 | Under 10 loans | 0.0% |
| Isabella County, MI | 2 | Under 10 loans | 0.0% |
| Kalamazoo County, MI | 2 | Under 10 loans | 0.0% |
| Livingston County, MI | 2 | Under 10 loans | 0.0% |
| Missaukee County, MI | 2 | Under 10 loans | 0.0% |
| St. Clair County, MI | 2 | Under 10 loans | 0.0% |
| Antrim County, MI | 1 | Under 10 loans | 0.0% |
| Crawford County, MI | 1 | Under 10 loans | 0.0% |
| Houghton County, MI | 1 | Under 10 loans | 0.0% |
| Ingham County, MI | 1 | Under 10 loans | 0.0% |
| Jackson County, MI | 1 | Under 10 loans | 0.0% |
| Kent County, MI | 1 | Under 10 loans | 0.0% |
| Leelanau County, MI | 1 | Under 10 loans | 0.0% |
| Montcalm County, MI | 1 | Under 10 loans | 0.0% |
| Montmorency County, MI | 1 | Under 10 loans | 50.0% |
| Oscoda County, MI | 1 | Under 10 loans | 0.0% |
| Otsego County, MI | 1 | Under 10 loans | 0.0% |
| Ottawa County, MI | 1 | Under 10 loans | 0.0% |
| Alger County, MI | 0 | Under 10 loans | Not published |
| Kalkaska County, MI | 0 | Under 10 loans | Not published |
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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.