4Front Credit Union
4Front Credit Union received 1,017 applications in 2025 and made 600 mortgages, in 37 counties across 1 state. The median rate its borrowers got was 7.500% on a median loan of $100,000. Of 682 decisions, 68 were denials — 10.0%, most often for other. 4 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 254900REWJG6071ZPT32 |
|---|---|
| Applications received | 1,017 |
| Mortgages made | 600 |
| Denied | 68 |
| Approved, not taken up | 14 |
| Withdrawn or incomplete | 335 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.5505 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 | 126 | 6.750% | $195,000 | 7.8% |
| Refinancing | 32 | 7.250% | $130,000 | 12.5% |
| Cash-out refinancing | 93 | 7.125% | $155,000 | 9.4% |
| Other purposes | 349 | 8.000% | $65,000 | 10.7% |
Where 4Front Credit Union lends most
The 37 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Grand Traverse County, MI | 113 | 7.500% | 13.0% |
| Antrim County, MI | 108 | 7.500% | 5.2% |
| Charlevoix County, MI | 77 | 7.875% | 7.0% |
| Emmet County, MI | 70 | 7.500% | 2.7% |
| Chippewa County, MI | 42 | 7.500% | 2.3% |
| Kalkaska County, MI | 36 | 7.500% | 18.2% |
| Wexford County, MI | 23 | 7.500% | 21.2% |
| Benzie County, MI | 21 | 7.500% | 8.7% |
| Manistee County, MI | 20 | 7.688% | 20.0% |
| Leelanau County, MI | 15 | 7.500% | 6.3% |
| Cheboygan County, MI | 13 | 7.750% | 13.3% |
| Missaukee County, MI | 9 | Under 10 loans | 9.1% |
| Kent County, MI | 7 | Under 10 loans | 12.5% |
| Otsego County, MI | 6 | Under 10 loans | 0.0% |
| Crawford County, MI | 5 | Under 10 loans | 28.6% |
| Mackinac County, MI | 5 | Under 10 loans | 0.0% |
| Muskegon County, MI | 4 | Under 10 loans | 42.9% |
| Mason County, MI | 3 | Under 10 loans | 0.0% |
| Oakland County, MI | 3 | Under 10 loans | 0.0% |
| Ottawa County, MI | 3 | Under 10 loans | 25.0% |
| Lake County, MI | 2 | Under 10 loans | 0.0% |
| Osceola County, MI | 2 | Under 10 loans | 33.3% |
| Roscommon County, MI | 2 | Under 10 loans | 33.3% |
| Barry County, MI | 1 | Under 10 loans | 0.0% |
| Clare County, MI | 1 | Under 10 loans | 0.0% |
| Genesee County, MI | 1 | Under 10 loans | 0.0% |
| Gladwin County, MI | 1 | Under 10 loans | 0.0% |
| Houghton County, MI | 1 | Under 10 loans | 0.0% |
| Lenawee County, MI | 1 | Under 10 loans | 0.0% |
| Mecosta County, MI | 1 | Under 10 loans | 0.0% |
| Midland County, MI | 1 | Under 10 loans | 50.0% |
| Newaygo County, MI | 1 | Under 10 loans | 0.0% |
| Presque Isle County, MI | 1 | Under 10 loans | 0.0% |
| Tuscola County, MI | 1 | Under 10 loans | 0.0% |
| Alcona County, MI | 0 | Under 10 loans | Not published |
| Bay County, MI | 0 | Under 10 loans | Not published |
| Berrien County, MI | 0 | Under 10 loans | Not published |
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When 4Front 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.