BMI Federal Credit Union
BMI Federal Credit Union received 543 applications in 2025 and made 420 mortgages, in 41 counties across 6 states. The median rate its borrowers got was 7.500% on a median loan of $115,000. Of 479 decisions, 59 were denials — 12.3%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300LGE7I6F2K89769 |
|---|---|
| Applications received | 543 |
| Mortgages made | 420 |
| Denied | 59 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 64 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.24 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 | 89 | 5.875% | $325,000 | 3.3% |
| Refinancing | 54 | 6.625% | $230,000 | 10.0% |
| Cash-out refinancing | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Other purposes | 274 | 7.500% | $85,000 | 15.4% |
Where BMI Federal Credit Union lends most
The 41 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Franklin County, OH | 222 | 7.500% | 12.9% |
| Delaware County, OH | 67 | 7.500% | 10.7% |
| Union County, OH | 23 | 7.000% | 17.9% |
| Licking County, OH | 17 | 7.500% | 15.0% |
| Fairfield County, OH | 14 | 7.500% | 12.5% |
| Pickaway County, OH | 14 | 7.625% | 6.7% |
| Madison County, OH | 11 | 7.500% | 8.3% |
| Greene County, OH | 4 | Under 10 loans | 0.0% |
| Knox County, OH | 4 | Under 10 loans | 0.0% |
| Logan County, OH | 4 | Under 10 loans | 0.0% |
| Morrow County, OH | 4 | Under 10 loans | 0.0% |
| Champaign County, OH | 3 | Under 10 loans | 25.0% |
| Richland County, OH | 3 | Under 10 loans | 0.0% |
| Clark County, OH | 2 | Under 10 loans | 50.0% |
| Cuyahoga County, OH | 2 | Under 10 loans | 0.0% |
| Fayette County, OH | 2 | Under 10 loans | 33.3% |
| Perry County, OH | 2 | Under 10 loans | 0.0% |
| Boyd County, KY | 1 | Under 10 loans | 0.0% |
| Fayette County, KY | 1 | Under 10 loans | 0.0% |
| Kenton County, KY | 1 | Under 10 loans | 0.0% |
| Orleans County, NY | 1 | Under 10 loans | 0.0% |
| Ashland County, OH | 1 | Under 10 loans | 0.0% |
| Athens County, OH | 1 | Under 10 loans | 0.0% |
| Auglaize County, OH | 1 | Under 10 loans | 0.0% |
| Butler County, OH | 1 | Under 10 loans | 50.0% |
| Coshocton County, OH | 1 | Under 10 loans | 0.0% |
| Fulton County, OH | 1 | Under 10 loans | 0.0% |
| Hamilton County, OH | 1 | Under 10 loans | 0.0% |
| Hardin County, OH | 1 | Under 10 loans | 0.0% |
| Hocking County, OH | 1 | Under 10 loans | 0.0% |
| Lucas County, OH | 1 | Under 10 loans | 0.0% |
| Medina County, OH | 1 | Under 10 loans | 0.0% |
| Miami County, OH | 1 | Under 10 loans | 0.0% |
| Muskingum County, OH | 1 | Under 10 loans | 0.0% |
| Ross County, OH | 1 | Under 10 loans | 0.0% |
| Lancaster County, SC | 1 | Under 10 loans | 0.0% |
| Norfolk city, VA | 1 | Under 10 loans | 0.0% |
| Chelan County, WA | 1 | Under 10 loans | 0.0% |
| Kitsap County, WA | 1 | Under 10 loans | 0.0% |
| Marion County, OH | 0 | Under 10 loans | Not published |
| Summit County, OH | 0 | Under 10 loans | 100.0% |
Get told when this changes
When BMI Federal 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.