PFCU
PFCU received 305 applications in 2025 and made 242 mortgages, in 24 counties across 1 state. The median rate its borrowers got was 6.732% on a median loan of $120,000. Of 267 decisions, 19 were denials — 7.1%, most often for debt-to-income ratio. 1 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 2549008NRAZRGNG0TT58 |
|---|---|
| Applications received | 305 |
| Mortgages made | 242 |
| Denied | 19 |
| Approved, not taken up | 6 |
| Withdrawn or incomplete | 38 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.333 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 | 109 | 6.500% | $195,000 | 1.8% |
| Refinancing | 8 | Under 10 loans | Under 10 loans | 38.5% |
| Cash-out refinancing | 32 | 6.625% | $150,000 | 13.2% |
| Other purposes | 93 | 7.375% | $55,000 | 6.7% |
Where PFCU 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 |
|---|---|---|---|
| Ionia County, MI | 94 | 6.625% | 5.9% |
| Shiawassee County, MI | 28 | 6.938% | 6.7% |
| Clinton County, MI | 23 | 6.500% | 0.0% |
| Eaton County, MI | 23 | 6.500% | 10.3% |
| Genesee County, MI | 19 | 7.000% | 9.5% |
| Barry County, MI | 14 | 6.625% | 0.0% |
| Kent County, MI | 11 | 7.125% | 7.7% |
| Ingham County, MI | 10 | 7.188% | 23.1% |
| Montcalm County, MI | 5 | Under 10 loans | 0.0% |
| Saginaw County, MI | 3 | Under 10 loans | 0.0% |
| Mecosta County, MI | 2 | Under 10 loans | 0.0% |
| Alger County, MI | 1 | Under 10 loans | 0.0% |
| Branch County, MI | 1 | Under 10 loans | 0.0% |
| Calhoun County, MI | 1 | Under 10 loans | 0.0% |
| Crawford County, MI | 1 | Under 10 loans | 0.0% |
| Kalkaska County, MI | 1 | Under 10 loans | 0.0% |
| Livingston County, MI | 1 | Under 10 loans | 0.0% |
| Montmorency County, MI | 1 | Under 10 loans | 0.0% |
| Ottawa County, MI | 1 | Under 10 loans | 0.0% |
| Roscommon County, MI | 1 | Under 10 loans | 0.0% |
| St. Joseph County, MI | 1 | Under 10 loans | 0.0% |
| Mackinac County, MI | 0 | Under 10 loans | Not published |
| Oakland County, MI | 0 | Under 10 loans | 100.0% |
| Tuscola County, MI | 0 | Under 10 loans | Not published |
Get told when this changes
When PFCU’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.