Michigan Legacy Credit Union
Michigan Legacy Credit Union received 180 applications in 2025 and made 110 mortgages, in 24 counties across 1 state. The median rate its borrowers got was 4.990% on a median loan of $150,000. Of 144 decisions, 33 were denials — 22.9%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300GKFM8W0GQXCQ93 |
|---|---|
| Applications received | 180 |
| Mortgages made | 110 |
| Denied | 33 |
| Approved, not taken up | 1 |
| Withdrawn or incomplete | 36 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | -0.4325 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 | 16 | 4.990% | $240,000 | 15.8% |
| Refinancing | 25 | 4.990% | $335,000 | 30.6% |
| Cash-out refinancing | 24 | 4.990% | $185,000 | 17.2% |
| Other purposes | 45 | 7.480% | $55,000 | 23.3% |
Where Michigan Legacy Credit Union lends most
The 24 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 | 41 | 6.250% | 22.6% |
| Oakland County, MI | 23 | 6.500% | 14.3% |
| Macomb County, MI | 13 | 4.990% | 18.8% |
| Monroe County, MI | 8 | Under 10 loans | 20.0% |
| Livingston County, MI | 6 | Under 10 loans | 25.0% |
| Kent County, MI | 4 | Under 10 loans | 0.0% |
| Genesee County, MI | 3 | Under 10 loans | 0.0% |
| St. Clair County, MI | 2 | Under 10 loans | 0.0% |
| Alger County, MI | 1 | Under 10 loans | 0.0% |
| Antrim County, MI | 1 | Under 10 loans | 50.0% |
| Arenac County, MI | 1 | Under 10 loans | 0.0% |
| Clinton County, MI | 1 | Under 10 loans | 0.0% |
| Hillsdale County, MI | 1 | Under 10 loans | 0.0% |
| Jackson County, MI | 1 | Under 10 loans | 0.0% |
| Lenawee County, MI | 1 | Under 10 loans | 0.0% |
| Missaukee County, MI | 1 | Under 10 loans | 0.0% |
| Muskegon County, MI | 1 | Under 10 loans | 66.7% |
| Washtenaw County, MI | 1 | Under 10 loans | 0.0% |
| Alpena County, MI | 0 | Under 10 loans | 100.0% |
| Chippewa County, MI | 0 | Under 10 loans | Not published |
| Lapeer County, MI | 0 | Under 10 loans | 100.0% |
| Mecosta County, MI | 0 | Under 10 loans | 100.0% |
| Osceola County, MI | 0 | Under 10 loans | 100.0% |
| Ottawa County, MI | 0 | Under 10 loans | 100.0% |
Get told when this changes
When Michigan Legacy Credit Union’s figures are published for the next year, or restated.
Double opt-in, one click to unsubscribe. We never sell or share the list, and we are not a lender, a broker or a lead generator: this is a notification about published data, not a sales call. Privacy.
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.