SECURITY CREDIT UNION
SECURITY CREDIT UNION received 344 applications in 2025 and made 196 mortgages, in 25 counties across 2 states. The median rate its borrowers got was 6.625% on a median loan of $55,000. Of 331 decisions, 86 were denials — 26.0%, most often for credit history.
| Legal Entity Identifier | 5493005RSCVBUTB80M24 |
|---|---|
| Applications received | 344 |
| Mortgages made | 196 |
| Denied | 86 |
| Approved, not taken up | 49 |
| Withdrawn or incomplete | 13 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.1905 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 | 33 | 6.625% | $185,000 | 4.6% |
| Refinancing | 9 | Under 10 loans | Under 10 loans | 33.3% |
| Cash-out refinancing | 4 | Under 10 loans | Under 10 loans | 37.5% |
| Other purposes | 150 | 6.250% | $45,000 | 28.5% |
Where SECURITY CREDIT UNION lends most
The 25 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Genesee County, MI | 71 | 6.500% | 19.8% |
| Lapeer County, MI | 51 | 6.625% | 21.1% |
| Shiawassee County, MI | 14 | 6.250% | 13.6% |
| Saginaw County, MI | 11 | 5.750% | 40.0% |
| St. Clair County, MI | 8 | Under 10 loans | 31.3% |
| Wayne County, MI | 7 | Under 10 loans | 55.6% |
| Oakland County, MI | 6 | Under 10 loans | 9.1% |
| Tuscola County, MI | 6 | Under 10 loans | 11.1% |
| Macomb County, MI | 5 | Under 10 loans | 45.5% |
| Sanilac County, MI | 5 | Under 10 loans | 25.0% |
| Bay County, MI | 1 | Under 10 loans | 33.3% |
| Benzie County, MI | 1 | Under 10 loans | 0.0% |
| Clinton County, MI | 1 | Under 10 loans | 0.0% |
| Eaton County, MI | 1 | Under 10 loans | 0.0% |
| Gladwin County, MI | 1 | Under 10 loans | 0.0% |
| Lake County, MI | 1 | Under 10 loans | 0.0% |
| Livingston County, MI | 1 | Under 10 loans | 0.0% |
| Luce County, MI | 1 | Under 10 loans | 0.0% |
| Montmorency County, MI | 1 | Under 10 loans | 66.7% |
| Roscommon County, MI | 1 | Under 10 loans | 0.0% |
| Washtenaw County, MI | 1 | Under 10 loans | 0.0% |
| Lucas County, OH | 1 | Under 10 loans | 83.3% |
| Huron County, MI | 0 | Under 10 loans | 0.0% |
| Midland County, MI | 0 | Under 10 loans | 100.0% |
| Monroe County, MI | 0 | Under 10 loans | Not published |
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When SECURITY 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.