GERBER FEDERAL CREDIT UNION
GERBER FEDERAL CREDIT UNION received 263 applications in 2025 and made 186 mortgages, in 12 counties across 1 state. The median rate its borrowers got was Not published on a median loan of $85,000. Of 222 decisions, 36 were denials — 16.2%.
| Legal Entity Identifier | 549300UJJ1Q3YTRSGM27 |
|---|---|
| Applications received | 263 |
| Mortgages made | 186 |
| Denied | 36 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 41 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| 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 | 31 | Not published | $165,000 | 6.1% |
| Refinancing | 9 | Under 10 loans | Under 10 loans | 10.0% |
| Cash-out refinancing | 57 | Not published | $95,000 | 14.9% |
| Other purposes | 89 | Not published | $55,000 | 20.5% |
Where GERBER FEDERAL CREDIT UNION lends most
The 12 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Newaygo County, MI | 139 | Not published | 17.3% |
| Oceana County, MI | 18 | Not published | 10.0% |
| Muskegon County, MI | 13 | Not published | 23.5% |
| Kent County, MI | 4 | Under 10 loans | 0.0% |
| Montcalm County, MI | 4 | Under 10 loans | 0.0% |
| Lake County, MI | 2 | Under 10 loans | 0.0% |
| Ionia County, MI | 1 | Under 10 loans | 0.0% |
| Isabella County, MI | 1 | Under 10 loans | 0.0% |
| Kalamazoo County, MI | 1 | Under 10 loans | 0.0% |
| Kalkaska County, MI | 1 | Under 10 loans | 0.0% |
| Mason County, MI | 1 | Under 10 loans | 0.0% |
| Mecosta County, MI | 1 | Under 10 loans | 50.0% |
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When GERBER FEDERAL CREDIT UNION’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.