Extra
Extra received 119 applications in 2025 and made 57 mortgages, in 11 counties across 3 states. The median rate its borrowers got was 7.250% on a median loan of $105,000. Of 90 decisions, 32 were denials — 35.6%, most often for debt-to-income ratio.
| Legal Entity Identifier | 2549006AC9Y4MDVXIL37 |
|---|---|
| Applications received | 119 |
| Mortgages made | 57 |
| Denied | 32 |
| Approved, not taken up | 1 |
| Withdrawn or incomplete | 29 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.86 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 | 11 | 7.000% | $255,000 | 21.4% |
| Refinancing | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Cash-out refinancing | 36 | 7.125% | $105,000 | 37.3% |
| Other purposes | 9 | Under 10 loans | Under 10 loans | 40.0% |
Where Extra lends most
The 11 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Macomb County, MI | 39 | 7.125% | 33.9% |
| Wayne County, MI | 5 | Under 10 loans | 50.0% |
| Genesee County, MI | 3 | Under 10 loans | 0.0% |
| Oakland County, MI | 3 | Under 10 loans | 70.0% |
| Lapeer County, MI | 2 | Under 10 loans | 0.0% |
| Sanilac County, MI | 2 | Under 10 loans | 0.0% |
| DeKalb County, GA | 1 | Under 10 loans | 0.0% |
| Gladwin County, MI | 1 | Under 10 loans | 0.0% |
| St. Clair County, MI | 1 | Under 10 loans | 0.0% |
| Volusia County, FL | 0 | Under 10 loans | Not published |
| Ogemaw County, MI | 0 | Under 10 loans | Not published |
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When Extra’s figures are published for the next year, or restated.
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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.