DFCU FINANCIAL
DFCU FINANCIAL received 4,768 applications in 2025 and made 3,280 mortgages, in 111 counties across 10 states. The median rate its borrowers got was 6.250% on a median loan of $125,000. Of 4,398 decisions, 628 were denials — 14.3%, most often for debt-to-income ratio. 1 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 549300W6K140RN8NQB93 |
|---|---|
| Applications received | 4,768 |
| Mortgages made | 3,280 |
| Denied | 628 |
| Approved, not taken up | 490 |
| Withdrawn or incomplete | 370 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.1 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 | 862 | 6.250% | $275,000 | 1.4% |
| Refinancing | 408 | 6.563% | $125,000 | 13.1% |
| Cash-out refinancing | 177 | 6.000% | $195,000 | 9.0% |
| Other purposes | 1,833 | 5.750% | $75,000 | 19.1% |
Where DFCU FINANCIAL 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 | 1,390 | 6.250% | 16.5% |
| Oakland County, MI | 568 | 6.125% | 11.6% |
| Washtenaw County, MI | 232 | 6.250% | 12.3% |
| Livingston County, MI | 151 | 6.250% | 7.5% |
| Kent County, MI | 143 | 6.125% | 12.4% |
| Macomb County, MI | 121 | 6.375% | 15.9% |
| Hillsborough County, FL | 112 | 5.750% | 9.4% |
| Monroe County, MI | 69 | 6.375% | 12.2% |
| Ingham County, MI | 60 | 5.750% | 21.7% |
| Pinellas County, FL | 40 | 5.750% | 9.6% |
| Collier County, FL | 30 | 6.250% | 5.7% |
| Ottawa County, MI | 30 | 6.125% | 15.0% |
| Pasco County, FL | 26 | 6.125% | 6.9% |
| Jackson County, MI | 21 | 5.875% | 10.7% |
| Lenawee County, MI | 21 | 6.250% | 8.7% |
| Lee County, FL | 18 | 6.688% | 3.7% |
| Eaton County, MI | 14 | 5.750% | 11.8% |
| Genesee County, MI | 14 | 6.625% | 22.2% |
| Clinton County, MI | 12 | 6.125% | 13.3% |
| Allegan County, MI | 10 | 5.938% | 7.7% |
| Sarasota County, FL | 9 | Under 10 loans | 35.7% |
| Iosco County, MI | 8 | Under 10 loans | 25.0% |
| Muskegon County, MI | 8 | Under 10 loans | 0.0% |
| Newaygo County, MI | 8 | Under 10 loans | 18.2% |
| Broward County, FL | 7 | Under 10 loans | 0.0% |
| Charlotte County, FL | 7 | Under 10 loans | 0.0% |
| Orange County, FL | 7 | Under 10 loans | 0.0% |
| Manatee County, FL | 6 | Under 10 loans | 12.5% |
| Polk County, FL | 6 | Under 10 loans | 30.0% |
| Montcalm County, MI | 6 | Under 10 loans | 22.2% |
| Roscommon County, MI | 6 | Under 10 loans | 22.2% |
| Isabella County, MI | 5 | Under 10 loans | 0.0% |
| Shiawassee County, MI | 5 | Under 10 loans | 0.0% |
| Citrus County, FL | 4 | Under 10 loans | 0.0% |
| Charlevoix County, MI | 4 | Under 10 loans | 0.0% |
| Ionia County, MI | 4 | Under 10 loans | 28.6% |
| Kalamazoo County, MI | 4 | Under 10 loans | 0.0% |
| Lapeer County, MI | 4 | Under 10 loans | 20.0% |
| Mecosta County, MI | 4 | Under 10 loans | 0.0% |
| St. Clair County, MI | 4 | Under 10 loans | 16.7% |
| Brevard County, FL | 3 | Under 10 loans | 20.0% |
| Palm Beach County, FL | 3 | Under 10 loans | 0.0% |
| Barry County, MI | 3 | Under 10 loans | 0.0% |
| Benzie County, MI | 3 | Under 10 loans | 0.0% |
| Clare County, MI | 3 | Under 10 loans | 0.0% |
| Gladwin County, MI | 3 | Under 10 loans | 25.0% |
| Grand Traverse County, MI | 3 | Under 10 loans | 0.0% |
| Mason County, MI | 3 | Under 10 loans | 0.0% |
| Otsego County, MI | 3 | Under 10 loans | 20.0% |
| Saginaw County, MI | 3 | 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.