COMMUNITY FINANCIAL CREDIT UNION
COMMUNITY FINANCIAL CREDIT UNION received 1,752 applications in 2025 and made 1,201 mortgages, in 59 counties across 3 states. The median rate its borrowers got was 7.250% on a median loan of $105,000. Of 1,672 decisions, 278 were denials — 16.6%, most often for debt-to-income ratio.
| Legal Entity Identifier | 5493007XQ4LU452LQJ67 |
|---|---|
| Applications received | 1,752 |
| Mortgages made | 1,201 |
| Denied | 278 |
| Approved, not taken up | 193 |
| Withdrawn or incomplete | 80 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.255 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 | 189 | 6.500% | $185,000 | 6.6% |
| Refinancing | 75 | 7.000% | $115,000 | 17.8% |
| Cash-out refinancing | 206 | 7.495% | $115,000 | 17.8% |
| Other purposes | 731 | 7.500% | $75,000 | 19.0% |
Where COMMUNITY FINANCIAL CREDIT UNION lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Wayne County, MI | 486 | 7.250% | 16.0% |
| Oakland County, MI | 173 | 7.250% | 19.6% |
| Otsego County, MI | 137 | 7.500% | 14.8% |
| Montmorency County, MI | 70 | 7.250% | 18.0% |
| Livingston County, MI | 61 | 7.250% | 12.2% |
| Washtenaw County, MI | 45 | 7.750% | 14.9% |
| Macomb County, MI | 29 | 7.250% | 20.0% |
| Emmet County, MI | 24 | 5.000% | 0.0% |
| Oscoda County, MI | 20 | 7.250% | 7.4% |
| Crawford County, MI | 13 | 7.750% | 25.0% |
| Antrim County, MI | 12 | 7.625% | 15.8% |
| Monroe County, MI | 12 | 8.000% | 36.8% |
| Alpena County, MI | 10 | 7.375% | 33.3% |
| Charlevoix County, MI | 10 | 7.000% | 0.0% |
| Cheboygan County, MI | 7 | Under 10 loans | 22.2% |
| Jackson County, MI | 7 | Under 10 loans | 11.1% |
| Clare County, MI | 6 | Under 10 loans | 22.2% |
| Ingham County, MI | 6 | Under 10 loans | 0.0% |
| Alcona County, MI | 5 | Under 10 loans | 25.0% |
| Genesee County, MI | 5 | Under 10 loans | 28.6% |
| Presque Isle County, MI | 5 | Under 10 loans | 0.0% |
| Roscommon County, MI | 5 | Under 10 loans | 14.3% |
| Grand Traverse County, MI | 4 | Under 10 loans | 20.0% |
| Kent County, MI | 4 | Under 10 loans | 33.3% |
| Lenawee County, MI | 4 | Under 10 loans | 20.0% |
| Huron County, MI | 3 | Under 10 loans | 0.0% |
| Lapeer County, MI | 3 | Under 10 loans | 25.0% |
| Ogemaw County, MI | 3 | Under 10 loans | 20.0% |
| Ottawa County, MI | 3 | Under 10 loans | 25.0% |
| Saginaw County, MI | 3 | Under 10 loans | 0.0% |
| Chippewa County, MI | 2 | Under 10 loans | 0.0% |
| Eaton County, MI | 2 | Under 10 loans | 0.0% |
| Midland County, MI | 2 | Under 10 loans | 0.0% |
| St. Clair County, MI | 2 | Under 10 loans | 0.0% |
| Allegan County, MI | 1 | Under 10 loans | 50.0% |
| Arenac County, MI | 1 | Under 10 loans | 0.0% |
| Bay County, MI | 1 | Under 10 loans | 50.0% |
| Calhoun County, MI | 1 | Under 10 loans | 0.0% |
| Clinton County, MI | 1 | Under 10 loans | 0.0% |
| Delta County, MI | 1 | Under 10 loans | 0.0% |
| Hillsdale County, MI | 1 | Under 10 loans | 0.0% |
| Iosco County, MI | 1 | Under 10 loans | 66.7% |
| Kalamazoo County, MI | 1 | Under 10 loans | 0.0% |
| Kalkaska County, MI | 1 | Under 10 loans | 0.0% |
| Lake County, MI | 1 | Under 10 loans | 0.0% |
| Leelanau County, MI | 1 | Under 10 loans | 0.0% |
| Mecosta County, MI | 1 | Under 10 loans | 0.0% |
| Missaukee County, MI | 1 | Under 10 loans | 0.0% |
| Muskegon County, MI | 1 | Under 10 loans | 0.0% |
| Oceana County, MI | 1 | Under 10 loans | 0.0% |
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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.