FINANCIAL PLUS CREDIT UNION
FINANCIAL PLUS CREDIT UNION received 802 applications in 2025 and made 466 mortgages, in 41 counties across 1 state. The median rate its borrowers got was 7.240% on a median loan of $65,000. Of 632 decisions, 162 were denials — 25.6%, most often for credit history.
| Legal Entity Identifier | 5493009YUAJW70SG7L54 |
|---|---|
| Applications received | 802 |
| Mortgages made | 466 |
| Denied | 162 |
| Approved, not taken up | 4 |
| Withdrawn or incomplete | 170 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 1.221 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 | 116 | 6.625% | $145,000 | 12.1% |
| Refinancing | 20 | 6.745% | $70,000 | 48.7% |
| Cash-out refinancing | 99 | 7.240% | $75,000 | 25.4% |
| Other purposes | 231 | 7.240% | $45,000 | 28.4% |
Where FINANCIAL PLUS CREDIT UNION lends most
The 41 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Genesee County, MI | 184 | 7.240% | 25.5% |
| Saginaw County, MI | 92 | 7.240% | 38.8% |
| Bay County, MI | 67 | 6.990% | 16.3% |
| Oakland County, MI | 21 | 7.240% | 8.7% |
| Livingston County, MI | 16 | 7.365% | 5.9% |
| Shiawassee County, MI | 13 | 7.240% | 31.6% |
| Lapeer County, MI | 10 | 7.490% | 16.7% |
| Wayne County, MI | 10 | 6.875% | 16.7% |
| Midland County, MI | 7 | Under 10 loans | 0.0% |
| Gladwin County, MI | 5 | Under 10 loans | 44.4% |
| Iosco County, MI | 4 | Under 10 loans | 20.0% |
| Jackson County, MI | 4 | Under 10 loans | 0.0% |
| Roscommon County, MI | 4 | Under 10 loans | 0.0% |
| Washtenaw County, MI | 4 | Under 10 loans | 0.0% |
| Ingham County, MI | 3 | Under 10 loans | 25.0% |
| Antrim County, MI | 2 | Under 10 loans | 0.0% |
| Arenac County, MI | 2 | Under 10 loans | 33.3% |
| Clinton County, MI | 2 | Under 10 loans | 0.0% |
| Macomb County, MI | 2 | Under 10 loans | 0.0% |
| St. Clair County, MI | 2 | Under 10 loans | 0.0% |
| Tuscola County, MI | 2 | Under 10 loans | 33.3% |
| Benzie County, MI | 1 | Under 10 loans | 50.0% |
| Charlevoix County, MI | 1 | Under 10 loans | 0.0% |
| Clare County, MI | 1 | Under 10 loans | 0.0% |
| Eaton County, MI | 1 | Under 10 loans | 0.0% |
| Huron County, MI | 1 | Under 10 loans | 0.0% |
| Isabella County, MI | 1 | Under 10 loans | 50.0% |
| Lenawee County, MI | 1 | Under 10 loans | 0.0% |
| Manistee County, MI | 1 | Under 10 loans | 0.0% |
| Oceana County, MI | 1 | Under 10 loans | 0.0% |
| Otsego County, MI | 1 | Under 10 loans | 0.0% |
| Alcona County, MI | 0 | Under 10 loans | Not published |
| Berrien County, MI | 0 | Under 10 loans | Not published |
| Cheboygan County, MI | 0 | Under 10 loans | Not published |
| Emmet County, MI | 0 | Under 10 loans | Not published |
| Grand Traverse County, MI | 0 | Under 10 loans | Not published |
| Gratiot County, MI | 0 | Under 10 loans | 100.0% |
| Montmorency County, MI | 0 | Under 10 loans | 100.0% |
| Ogemaw County, MI | 0 | Under 10 loans | Not published |
| Osceola County, MI | 0 | Under 10 loans | Not published |
| Sanilac 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.