MICHIGAN FIRST CREDIT UNION
MICHIGAN FIRST CREDIT UNION received 2,511 applications in 2025 and made 1,308 mortgages, in 80 counties across 12 states. The median rate its borrowers got was 6.875% on a median loan of $155,000. Of 2,300 decisions, 968 were denials — 42.1%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300C6TQAJABMFOR79 |
|---|---|
| Applications received | 2,511 |
| Mortgages made | 1,308 |
| Denied | 968 |
| Approved, not taken up | 24 |
| Withdrawn or incomplete | 211 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.798 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 | 659 | 6.625% | $215,000 | 15.6% |
| Refinancing | 79 | 6.375% | $305,000 | 18.6% |
| Cash-out refinancing | 232 | 8.750% | $105,000 | 44.7% |
| Other purposes | 338 | 9.500% | $45,000 | 64.2% |
Where MICHIGAN FIRST CREDIT UNION lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Wayne County, MI | 472 | 7.188% | 53.4% |
| Oakland County, MI | 277 | 7.125% | 35.3% |
| Macomb County, MI | 164 | 7.125% | 44.1% |
| Kent County, MI | 108 | 6.750% | 27.3% |
| Livingston County, MI | 31 | 6.625% | 8.8% |
| Ottawa County, MI | 28 | 6.500% | 12.5% |
| Washtenaw County, MI | 21 | 7.375% | 36.4% |
| Genesee County, MI | 19 | 7.000% | 24.0% |
| Monroe County, MI | 16 | 7.500% | 23.8% |
| Ingham County, MI | 14 | 6.625% | 17.7% |
| Muskegon County, MI | 14 | 6.625% | 17.7% |
| St. Clair County, MI | 11 | 8.250% | 15.4% |
| Allegan County, MI | 10 | 6.563% | 33.3% |
| Eaton County, MI | 8 | Under 10 loans | 33.3% |
| Jackson County, MI | 8 | Under 10 loans | 20.0% |
| Kalamazoo County, MI | 8 | Under 10 loans | 20.0% |
| Montcalm County, MI | 7 | Under 10 loans | 12.5% |
| Lenawee County, MI | 5 | Under 10 loans | 28.6% |
| Mecosta County, MI | 5 | Under 10 loans | 0.0% |
| Calhoun County, MI | 4 | Under 10 loans | 0.0% |
| Ionia County, MI | 4 | Under 10 loans | 33.3% |
| Lapeer County, MI | 4 | Under 10 loans | 42.9% |
| Saginaw County, MI | 4 | Under 10 loans | 0.0% |
| Sanilac County, MI | 4 | Under 10 loans | 20.0% |
| Cheboygan County, MI | 3 | Under 10 loans | 0.0% |
| Newaygo County, MI | 3 | Under 10 loans | 50.0% |
| Van Buren County, MI | 3 | Under 10 loans | 25.0% |
| Lucas County, OH | 3 | Under 10 loans | 40.0% |
| Collier County, FL | 2 | Under 10 loans | 0.0% |
| Barry County, MI | 2 | Under 10 loans | 0.0% |
| Bay County, MI | 2 | Under 10 loans | 0.0% |
| Clare County, MI | 2 | Under 10 loans | 33.3% |
| Clinton County, MI | 2 | Under 10 loans | 0.0% |
| Huron County, MI | 2 | Under 10 loans | 0.0% |
| Leelanau County, MI | 2 | Under 10 loans | 0.0% |
| Otsego County, MI | 2 | Under 10 loans | 33.3% |
| Roscommon County, MI | 2 | Under 10 loans | 33.3% |
| Shiawassee County, MI | 2 | Under 10 loans | 25.0% |
| Maricopa County, AZ | 1 | Under 10 loans | 66.7% |
| Lee County, FL | 1 | Under 10 loans | 0.0% |
| Orange County, FL | 1 | Under 10 loans | 0.0% |
| Palm Beach County, FL | 1 | Under 10 loans | 0.0% |
| Pinellas County, FL | 1 | Under 10 loans | 0.0% |
| Cook County, IL | 1 | Under 10 loans | 0.0% |
| Jefferson County, KY | 1 | Under 10 loans | 0.0% |
| Alger County, MI | 1 | Under 10 loans | 0.0% |
| Alpena County, MI | 1 | Under 10 loans | 0.0% |
| Baraga County, MI | 1 | Under 10 loans | 0.0% |
| Berrien County, MI | 1 | Under 10 loans | 0.0% |
| Cass County, MI | 1 | Under 10 loans | 0.0% |
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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.