GLASS CITY Federal Credit Union
GLASS CITY Federal Credit Union received 38 applications in 2025 and made 25 mortgages, in 6 counties across 1 state. The median rate its borrowers got was 6.875% on a median loan of $165,000. Of 35 decisions, 9 were denials — 25.7%, most often for debt-to-income ratio. 5 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 549300BYZ5JSI6TQMS54 |
|---|---|
| Applications received | 38 |
| Mortgages made | 25 |
| Denied | 9 |
| Approved, not taken up | 1 |
| Withdrawn or incomplete | 3 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.4165 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 | 21 | 6.875% | $185,000 | 19.2% |
| Refinancing | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Cash-out refinancing | 3 | Under 10 loans | Under 10 loans | 42.9% |
Where GLASS CITY Federal Credit Union lends most
The 6 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Lucas County, OH | 15 | 6.875% | 28.6% |
| Wood County, OH | 7 | Under 10 loans | 20.0% |
| Henry County, OH | 1 | Under 10 loans | 0.0% |
| Huron County, OH | 1 | Under 10 loans | 0.0% |
| Ottawa County, OH | 1 | Under 10 loans | 0.0% |
| Fulton County, OH | 0 | Under 10 loans | 100.0% |
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When GLASS CITY 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.