DOW CREDIT UNION
DOW CREDIT UNION received 541 applications in 2025 and made 328 mortgages, in 50 counties across 1 state. The median rate its borrowers got was 7.375% on a median loan of $155,000. Of 380 decisions, 42 were denials — 11.1%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300EWYXV06QXJH078 |
|---|---|
| Applications received | 541 |
| Mortgages made | 328 |
| Denied | 42 |
| Approved, not taken up | 10 |
| Withdrawn or incomplete | 161 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 1.149 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 | 163 | 6.875% | $225,000 | 7.8% |
| Refinancing | 26 | 6.125% | $180,000 | 14.7% |
| Cash-out refinancing | 49 | 7.500% | $135,000 | 18.0% |
| Other purposes | 90 | 8.375% | $55,000 | 11.4% |
Where DOW 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 |
|---|---|---|---|
| Midland County, MI | 128 | 7.188% | 11.4% |
| Saginaw County, MI | 50 | 7.188% | 7.1% |
| Bay County, MI | 40 | 6.625% | 14.3% |
| Gladwin County, MI | 14 | 7.500% | 12.5% |
| Clare County, MI | 9 | Under 10 loans | 0.0% |
| Gratiot County, MI | 7 | Under 10 loans | 12.5% |
| Isabella County, MI | 7 | Under 10 loans | 22.2% |
| Genesee County, MI | 6 | Under 10 loans | 0.0% |
| Kent County, MI | 6 | Under 10 loans | 25.0% |
| Washtenaw County, MI | 6 | Under 10 loans | 0.0% |
| Roscommon County, MI | 5 | Under 10 loans | 0.0% |
| Oakland County, MI | 4 | Under 10 loans | 0.0% |
| Ogemaw County, MI | 4 | Under 10 loans | 20.0% |
| Wayne County, MI | 4 | Under 10 loans | 0.0% |
| Arenac County, MI | 3 | Under 10 loans | 0.0% |
| Charlevoix County, MI | 3 | Under 10 loans | 0.0% |
| Grand Traverse County, MI | 3 | Under 10 loans | 0.0% |
| Calhoun County, MI | 2 | Under 10 loans | 0.0% |
| Kalamazoo County, MI | 2 | Under 10 loans | 0.0% |
| Missaukee County, MI | 2 | Under 10 loans | 33.3% |
| Montcalm County, MI | 2 | Under 10 loans | 33.3% |
| Montmorency County, MI | 2 | Under 10 loans | 0.0% |
| Alcona County, MI | 1 | Under 10 loans | 0.0% |
| Antrim County, MI | 1 | Under 10 loans | 0.0% |
| Benzie County, MI | 1 | Under 10 loans | 0.0% |
| Crawford County, MI | 1 | Under 10 loans | 0.0% |
| Huron County, MI | 1 | Under 10 loans | 0.0% |
| Ingham County, MI | 1 | Under 10 loans | 0.0% |
| Jackson County, MI | 1 | Under 10 loans | 0.0% |
| Livingston County, MI | 1 | Under 10 loans | 0.0% |
| Luce County, MI | 1 | Under 10 loans | 0.0% |
| Macomb County, MI | 1 | Under 10 loans | 0.0% |
| Manistee County, MI | 1 | Under 10 loans | 0.0% |
| Marquette County, MI | 1 | Under 10 loans | 0.0% |
| Mason County, MI | 1 | Under 10 loans | 0.0% |
| Muskegon County, MI | 1 | Under 10 loans | 0.0% |
| Osceola County, MI | 1 | Under 10 loans | 0.0% |
| Otsego County, MI | 1 | Under 10 loans | 0.0% |
| Ottawa County, MI | 1 | Under 10 loans | 0.0% |
| Presque Isle County, MI | 1 | Under 10 loans | 0.0% |
| Shiawassee County, MI | 1 | Under 10 loans | 0.0% |
| Allegan County, MI | 0 | Under 10 loans | 100.0% |
| Berrien County, MI | 0 | Under 10 loans | Not published |
| Chippewa County, MI | 0 | Under 10 loans | 100.0% |
| Emmet County, MI | 0 | Under 10 loans | 100.0% |
| Houghton County, MI | 0 | Under 10 loans | Not published |
| Iosco County, MI | 0 | Under 10 loans | Not published |
| Lapeer County, MI | 0 | Under 10 loans | Not published |
| Mackinac County, MI | 0 | Under 10 loans | 100.0% |
| Tuscola County, MI | 0 | Under 10 loans | Not published |
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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.