CREDIT UNION ONE
CREDIT UNION ONE received 3,347 applications in 2025 and made 1,851 mortgages, in 92 counties across 12 states. The median rate its borrowers got was 7.990% on a median loan of $95,000. Of 2,980 decisions, 878 were denials — 29.5%, most often for debt-to-income ratio.
| Legal Entity Identifier | 5493008NQVB5ZOWYNU83 |
|---|---|
| Applications received | 3,347 |
| Mortgages made | 1,851 |
| Denied | 878 |
| Approved, not taken up | 251 |
| Withdrawn or incomplete | 367 |
| Loans bought from other lenders | 135 |
| Median rate spread over the prime offer rate | 0.88 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 | 256 | 6.625% | $225,000 | 14.9% |
| Refinancing | 45 | 6.250% | $225,000 | 24.2% |
| Cash-out refinancing | 512 | 7.990% | $105,000 | 29.0% |
| Other purposes | 1,038 | 8.138% | $65,000 | 32.4% |
Where CREDIT UNION ONE 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 |
|---|---|---|---|
| Oakland County, MI | 478 | 7.990% | 27.9% |
| Macomb County, MI | 323 | 7.990% | 31.3% |
| Wayne County, MI | 280 | 7.990% | 42.9% |
| Grand Traverse County, MI | 101 | 7.125% | 16.4% |
| Kent County, MI | 73 | 7.740% | 23.3% |
| Washtenaw County, MI | 65 | 7.990% | 20.2% |
| Genesee County, MI | 64 | 8.240% | 37.2% |
| Livingston County, MI | 50 | 8.189% | 24.7% |
| St. Clair County, MI | 32 | 7.990% | 22.2% |
| Saginaw County, MI | 31 | 7.990% | 11.9% |
| Leelanau County, MI | 24 | 6.875% | 15.2% |
| Ottawa County, MI | 22 | 7.865% | 8.0% |
| Lapeer County, MI | 21 | 7.990% | 31.3% |
| Benzie County, MI | 19 | 6.625% | 13.0% |
| Jackson County, MI | 18 | 8.240% | 23.1% |
| Kalkaska County, MI | 18 | 7.000% | 9.5% |
| Bay County, MI | 17 | 7.990% | 15.0% |
| Midland County, MI | 16 | 8.115% | 20.8% |
| Marquette County, MI | 11 | 8.240% | 6.7% |
| Ingham County, MI | 10 | 7.495% | 15.4% |
| Wexford County, MI | 10 | 6.813% | 28.6% |
| Antrim County, MI | 9 | Under 10 loans | 18.2% |
| Clinton County, MI | 9 | Under 10 loans | 0.0% |
| Shiawassee County, MI | 9 | Under 10 loans | 21.4% |
| Monroe County, MI | 8 | Under 10 loans | 37.5% |
| Roscommon County, MI | 7 | Under 10 loans | 12.5% |
| Gladwin County, MI | 6 | Under 10 loans | 33.3% |
| Isabella County, MI | 6 | Under 10 loans | 30.0% |
| Allegan County, MI | 5 | Under 10 loans | 12.5% |
| Sanilac County, MI | 5 | Under 10 loans | 14.3% |
| Clare County, MI | 4 | Under 10 loans | 14.3% |
| Eaton County, MI | 4 | Under 10 loans | 0.0% |
| Lenawee County, MI | 4 | Under 10 loans | 14.3% |
| Manistee County, MI | 4 | Under 10 loans | 16.7% |
| Mecosta County, MI | 4 | Under 10 loans | 20.0% |
| Muskegon County, MI | 4 | Under 10 loans | 55.6% |
| Tuscola County, MI | 4 | Under 10 loans | 50.0% |
| Lucas County, OH | 4 | Under 10 loans | 20.0% |
| Alcona County, MI | 3 | Under 10 loans | 20.0% |
| Berrien County, MI | 3 | Under 10 loans | 33.3% |
| Gratiot County, MI | 3 | Under 10 loans | 40.0% |
| Ionia County, MI | 3 | Under 10 loans | 40.0% |
| Iosco County, MI | 3 | Under 10 loans | 0.0% |
| Kalamazoo County, MI | 3 | Under 10 loans | 25.0% |
| Montcalm County, MI | 3 | Under 10 loans | 25.0% |
| Osceola County, MI | 3 | Under 10 loans | 50.0% |
| Presque Isle County, MI | 3 | Under 10 loans | 25.0% |
| Summit County, OH | 3 | Under 10 loans | 20.0% |
| Calhoun County, MI | 2 | Under 10 loans | 0.0% |
| Crawford County, MI | 2 | Under 10 loans | 33.3% |
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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.