CONSUMERS CREDIT UNION
CONSUMERS CREDIT UNION received 3,936 applications in 2025 and made 2,943 mortgages, in 92 counties across 10 states. The median rate its borrowers got was 6.375% on a median loan of $165,000. Of 3,333 decisions, 387 were denials — 11.6%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300GSYIBSO9N4PB10 |
|---|---|
| Applications received | 3,936 |
| Mortgages made | 2,943 |
| Denied | 387 |
| Approved, not taken up | 3 |
| Withdrawn or incomplete | 603 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.299 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 | 1,271 | 6.625% | $255,000 | 1.6% |
| Refinancing | 1,450 | 5.990% | $85,000 | 19.4% |
| Cash-out refinancing | 125 | 6.875% | $175,000 | 5.3% |
| Other purposes | 97 | 5.990% | $65,000 | 8.5% |
Where CONSUMERS 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 |
|---|---|---|---|
| Kalamazoo County, MI | 873 | 6.500% | 7.8% |
| Kent County, MI | 480 | 6.375% | 16.2% |
| Ottawa County, MI | 281 | 5.990% | 16.1% |
| Van Buren County, MI | 239 | 6.000% | 10.8% |
| Allegan County, MI | 202 | 6.375% | 10.6% |
| Muskegon County, MI | 111 | 6.500% | 12.6% |
| Calhoun County, MI | 105 | 6.375% | 7.1% |
| Branch County, MI | 71 | 6.500% | 18.4% |
| Oakland County, MI | 57 | 5.990% | 3.4% |
| Ingham County, MI | 55 | 5.990% | 15.4% |
| Barry County, MI | 52 | 6.250% | 14.8% |
| Eaton County, MI | 43 | 6.375% | 12.2% |
| Ionia County, MI | 29 | 6.750% | 17.1% |
| St. Joseph County, MI | 28 | 6.500% | 6.7% |
| Wayne County, MI | 28 | 6.500% | 15.2% |
| Macomb County, MI | 26 | 6.500% | 7.1% |
| Berrien County, MI | 25 | 6.750% | 16.7% |
| Genesee County, MI | 20 | 6.563% | 12.5% |
| Cass County, MI | 17 | 6.750% | 5.6% |
| Montcalm County, MI | 17 | 6.625% | 5.6% |
| Clinton County, MI | 16 | 5.990% | 5.9% |
| Newaygo County, MI | 15 | 5.990% | 11.8% |
| Grand Traverse County, MI | 10 | 6.250% | 0.0% |
| Jackson County, MI | 9 | Under 10 loans | 25.0% |
| Mecosta County, MI | 9 | Under 10 loans | 0.0% |
| Lake County, MI | 8 | Under 10 loans | 11.1% |
| Wexford County, MI | 8 | Under 10 loans | 0.0% |
| Hillsdale County, MI | 7 | Under 10 loans | 22.2% |
| Oceana County, MI | 7 | Under 10 loans | 22.2% |
| Washtenaw County, MI | 7 | Under 10 loans | 12.5% |
| Livingston County, MI | 6 | Under 10 loans | 14.3% |
| Shiawassee County, MI | 6 | Under 10 loans | 0.0% |
| Antrim County, MI | 4 | Under 10 loans | 20.0% |
| Clare County, MI | 4 | Under 10 loans | 0.0% |
| Saginaw County, MI | 4 | Under 10 loans | 0.0% |
| St. Joseph County, IN | 3 | Under 10 loans | 0.0% |
| Cheboygan County, MI | 3 | Under 10 loans | 0.0% |
| Emmet County, MI | 3 | Under 10 loans | 0.0% |
| Gladwin County, MI | 3 | Under 10 loans | 0.0% |
| Lenawee County, MI | 3 | Under 10 loans | 0.0% |
| Mason County, MI | 3 | Under 10 loans | 40.0% |
| Osceola County, MI | 3 | Under 10 loans | 0.0% |
| St. Clair County, MI | 3 | Under 10 loans | 0.0% |
| Allen County, IN | 2 | Under 10 loans | 0.0% |
| Hamilton County, IN | 2 | Under 10 loans | 0.0% |
| Noble County, IN | 2 | Under 10 loans | 0.0% |
| Crawford County, MI | 2 | Under 10 loans | 0.0% |
| Houghton County, MI | 2 | Under 10 loans | 0.0% |
| Manistee County, MI | 2 | Under 10 loans | 0.0% |
| Midland County, MI | 2 | 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.