UNITED FINANCIAL Credit Union
UNITED FINANCIAL Credit Union received 167 applications in 2025 and made 111 mortgages, in 20 counties across 1 state. The median rate its borrowers got was 6.500% on a median loan of $135,000. Of 127 decisions, 15 were denials — 11.8%, most often for debt-to-income ratio.
| Legal Entity Identifier | 5493001BHN5KL2O67M10 |
|---|---|
| Applications received | 167 |
| Mortgages made | 111 |
| Denied | 15 |
| Approved, not taken up | 1 |
| Withdrawn or incomplete | 40 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.591 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 | 45 | 6.125% | $195,000 | 0.0% |
| Refinancing | 6 | Under 10 loans | Under 10 loans | 25.0% |
| Cash-out refinancing | 20 | 6.500% | $150,000 | 23.1% |
| Other purposes | 40 | 7.063% | $65,000 | 14.6% |
Where UNITED FINANCIAL Credit Union lends most
The 20 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 | 59 | 6.500% | 15.5% |
| Bay County, MI | 23 | 6.750% | 8.0% |
| Midland County, MI | 7 | Under 10 loans | 0.0% |
| Genesee County, MI | 4 | Under 10 loans | 0.0% |
| Tuscola County, MI | 3 | Under 10 loans | 0.0% |
| Gladwin County, MI | 2 | Under 10 loans | 0.0% |
| Ingham County, MI | 2 | Under 10 loans | 0.0% |
| Roscommon County, MI | 2 | Under 10 loans | 0.0% |
| Wayne County, MI | 2 | Under 10 loans | 33.3% |
| Cheboygan County, MI | 1 | Under 10 loans | 0.0% |
| Kalamazoo County, MI | 1 | Under 10 loans | 0.0% |
| Kent County, MI | 1 | Under 10 loans | 0.0% |
| Lake County, MI | 1 | Under 10 loans | 0.0% |
| Oakland County, MI | 1 | Under 10 loans | 0.0% |
| Sanilac County, MI | 1 | Under 10 loans | 0.0% |
| Shiawassee County, MI | 1 | Under 10 loans | 0.0% |
| Gratiot County, MI | 0 | Under 10 loans | Not published |
| Iosco County, MI | 0 | Under 10 loans | Not published |
| Isabella County, MI | 0 | Under 10 loans | 100.0% |
| Ogemaw County, MI | 0 | Under 10 loans | Not published |
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When UNITED FINANCIAL 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.