Christian Financial Credit Union
Christian Financial Credit Union received 471 applications in 2025 and made 250 mortgages, in 18 counties across 5 states. The median rate its borrowers got was 6.000% on a median loan of $45,000. Of 395 decisions, 145 were denials — 36.7%, most often for debt-to-income ratio.
| Legal Entity Identifier | 254900PE3F2ADLAJRQ97 |
|---|---|
| Applications received | 471 |
| Mortgages made | 250 |
| Denied | 145 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 76 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | -0.865 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 | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Refinancing | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Cash-out refinancing | 20 | 6.000% | $55,000 | 23.1% |
| Other purposes | 225 | 6.000% | $45,000 | 37.7% |
Where Christian Financial Credit Union lends most
The 18 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Macomb County, MI | 175 | 6.000% | 36.1% |
| Wayne County, MI | 31 | 6.250% | 53.0% |
| Oakland County, MI | 22 | 6.375% | 15.4% |
| St. Clair County, MI | 15 | 6.000% | 16.7% |
| Washtenaw County, MI | 2 | Under 10 loans | 0.0% |
| Genesee County, MI | 1 | Under 10 loans | 0.0% |
| Ingham County, MI | 1 | Under 10 loans | 0.0% |
| Lapeer County, MI | 1 | Under 10 loans | 0.0% |
| Roscommon County, MI | 1 | Under 10 loans | 0.0% |
| Sanilac County, MI | 1 | Under 10 loans | 0.0% |
| Benton County, AR | 0 | Under 10 loans | 100.0% |
| Sumter County, FL | 0 | Under 10 loans | 100.0% |
| Gladwin County, MI | 0 | Under 10 loans | Not published |
| Mecosta County, MI | 0 | Under 10 loans | 100.0% |
| Monroe County, MI | 0 | Under 10 loans | Not published |
| Otsego County, MI | 0 | Under 10 loans | Not published |
| Lancaster County, SC | 0 | Under 10 loans | 100.0% |
| Dane County, WI | 0 | Under 10 loans | Not published |
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When Christian 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.