UNIVERSITY OF MICHIGAN CREDIT UNION
UNIVERSITY OF MICHIGAN CREDIT UNION received 1,188 applications in 2025 and made 790 mortgages, in 49 counties across 4 states. The median rate its borrowers got was 7.500% on a median loan of $130,000. Of 983 decisions, 70 were denials — 7.1%, most often for credit history.
| Legal Entity Identifier | 549300AQN2CY1MGE3J02 |
|---|---|
| Applications received | 1,188 |
| Mortgages made | 790 |
| Denied | 70 |
| Approved, not taken up | 123 |
| Withdrawn or incomplete | 205 |
| Loans bought from other lenders | 8 |
| Median rate spread over the prime offer rate | 0.0625 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 | 194 | 6.375% | $285,000 | 3.5% |
| Refinancing | 16 | 6.375% | $240,000 | 20.7% |
| Cash-out refinancing | 91 | 7.250% | $125,000 | 18.9% |
| Other purposes | 489 | 7.500% | $85,000 | 5.3% |
Where UNIVERSITY OF MICHIGAN CREDIT UNION lends most
The 49 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Washtenaw County, MI | 438 | 7.500% | 4.6% |
| Wayne County, MI | 107 | 7.500% | 16.0% |
| Oakland County, MI | 71 | 7.250% | 5.7% |
| Livingston County, MI | 41 | 7.500% | 4.2% |
| Genesee County, MI | 30 | 8.000% | 5.1% |
| Jackson County, MI | 15 | 7.500% | 14.3% |
| Monroe County, MI | 14 | 7.500% | 15.8% |
| Lenawee County, MI | 11 | 7.500% | 5.9% |
| Macomb County, MI | 11 | 7.000% | 14.3% |
| Ingham County, MI | 8 | Under 10 loans | 0.0% |
| Kent County, MI | 5 | Under 10 loans | 0.0% |
| Antrim County, MI | 4 | Under 10 loans | 0.0% |
| Grand Traverse County, MI | 4 | Under 10 loans | 0.0% |
| Ottawa County, MI | 3 | Under 10 loans | 0.0% |
| Saginaw County, MI | 3 | Under 10 loans | 0.0% |
| Shiawassee County, MI | 3 | Under 10 loans | 20.0% |
| Emmet County, MI | 2 | Under 10 loans | 0.0% |
| Presque Isle County, MI | 2 | Under 10 loans | 0.0% |
| Barry County, MI | 1 | Under 10 loans | 0.0% |
| Bay County, MI | 1 | Under 10 loans | 0.0% |
| Benzie County, MI | 1 | Under 10 loans | 0.0% |
| Berrien County, MI | 1 | Under 10 loans | 0.0% |
| Calhoun County, MI | 1 | Under 10 loans | 0.0% |
| Clinton County, MI | 1 | Under 10 loans | 0.0% |
| Crawford County, MI | 1 | Under 10 loans | 0.0% |
| Eaton County, MI | 1 | Under 10 loans | 0.0% |
| Kalamazoo County, MI | 1 | Under 10 loans | 0.0% |
| Lake County, MI | 1 | Under 10 loans | 0.0% |
| Montmorency County, MI | 1 | Under 10 loans | 50.0% |
| Muskegon County, MI | 1 | Under 10 loans | 0.0% |
| Ogemaw County, MI | 1 | Under 10 loans | 0.0% |
| Otsego County, MI | 1 | Under 10 loans | 0.0% |
| St. Clair County, MI | 1 | Under 10 loans | 0.0% |
| Sanilac County, MI | 1 | Under 10 loans | 0.0% |
| Van Buren County, MI | 1 | Under 10 loans | 0.0% |
| Wexford County, MI | 1 | Under 10 loans | 0.0% |
| Marion County, IN | 0 | Under 10 loans | Not published |
| Delta County, MI | 0 | Under 10 loans | 0.0% |
| Gladwin County, MI | 0 | Under 10 loans | Not published |
| Iosco County, MI | 0 | Under 10 loans | Not published |
| Lapeer County, MI | 0 | Under 10 loans | Not published |
| Leelanau County, MI | 0 | Under 10 loans | Not published |
| Manistee County, MI | 0 | Under 10 loans | 0.0% |
| Mason County, MI | 0 | Under 10 loans | Not published |
| Midland County, MI | 0 | Under 10 loans | Not published |
| Oceana County, MI | 0 | Under 10 loans | Not published |
| Schoolcraft County, MI | 0 | Under 10 loans | 100.0% |
| Wake County, NC | 0 | Under 10 loans | Not published |
| Franklin County, OH | 0 | Under 10 loans | Not published |
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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.