AAC Credit Union
AAC Credit Union received 161 applications in 2025 and made 126 mortgages, in 21 counties across 1 state. The median rate its borrowers got was 7.490% on a median loan of $65,000. Of 144 decisions, 18 were denials — 12.5%, most often for credit history.
| Legal Entity Identifier | 2549003QXUI2HKRWW551 |
|---|---|
| Applications received | 161 |
| Mortgages made | 126 |
| Denied | 18 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 17 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 1.6365 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 | 22 | 6.500% | $195,000 | 4.4% |
| Refinancing | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Cash-out refinancing | 38 | 7.990% | $65,000 | 15.6% |
| Other purposes | 63 | 7.490% | $45,000 | 13.7% |
Where AAC Credit Union lends most
The 21 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Ottawa County, MI | 40 | 7.490% | 13.0% |
| Kent County, MI | 38 | 7.490% | 9.5% |
| Muskegon County, MI | 21 | 7.490% | 12.5% |
| Allegan County, MI | 13 | 8.490% | 18.8% |
| Macomb County, MI | 2 | Under 10 loans | 0.0% |
| Montcalm County, MI | 2 | Under 10 loans | 0.0% |
| Barry County, MI | 1 | Under 10 loans | 0.0% |
| Clare County, MI | 1 | Under 10 loans | 0.0% |
| Eaton County, MI | 1 | Under 10 loans | 0.0% |
| Ingham 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% |
| Manistee County, MI | 1 | Under 10 loans | 0.0% |
| Mason County, MI | 1 | Under 10 loans | 50.0% |
| Mecosta County, MI | 1 | Under 10 loans | 0.0% |
| Oakland County, MI | 1 | Under 10 loans | 0.0% |
| Ionia County, MI | 0 | Under 10 loans | Not published |
| Mackinac County, MI | 0 | Under 10 loans | Not published |
| Newaygo County, MI | 0 | Under 10 loans | Not published |
| Roscommon County, MI | 0 | Under 10 loans | 100.0% |
| Van Buren County, MI | 0 | Under 10 loans | Not published |
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When AAC 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.