Lake Huron Credit Union
Lake Huron Credit Union received 66 applications in 2025 and made 46 mortgages, in 8 counties across 1 state. The median rate its borrowers got was 6.500% on a median loan of $125,000. Of 64 decisions, 18 were denials — 28.1%, most often for credit application incomplete.
| Legal Entity Identifier | 254900ZS27YP5BQKD225 |
|---|---|
| Applications received | 66 |
| Mortgages made | 46 |
| Denied | 18 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 2 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.846 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 | 21 | 6.250% | $125,000 | 4.6% |
| Refinancing | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Cash-out refinancing | 25 | 6.500% | $125,000 | 32.4% |
| Other purposes | 0 | Under 10 loans | Under 10 loans | 100.0% |
Where Lake Huron Credit Union lends most
The 8 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 | 34 | 6.500% | 26.1% |
| Bay County, MI | 6 | Under 10 loans | 40.0% |
| Baraga County, MI | 1 | Under 10 loans | 0.0% |
| Clinton County, MI | 1 | Under 10 loans | 0.0% |
| Gratiot County, MI | 1 | Under 10 loans | 0.0% |
| Iosco County, MI | 1 | Under 10 loans | 0.0% |
| Midland County, MI | 1 | Under 10 loans | 50.0% |
| Shiawassee County, MI | 1 | Under 10 loans | 50.0% |
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When Lake Huron 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.