HEALTH ADVANTAGE FEDERAL CREDIT UNION
HEALTH ADVANTAGE FEDERAL CREDIT UNION received 77 applications in 2025 and made 70 mortgages, in 7 counties across 1 state. The median rate its borrowers got was 6.250% on a median loan of $80,000. Of 72 decisions, 2 were denials — 2.8%, most often for credit history. 31 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 549300MBSNDZDNPHNF53 |
|---|---|
| Applications received | 77 |
| Mortgages made | 70 |
| Denied | 2 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 5 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0 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 | 37 | 6.750% | $185,000 | 0.0% |
| Refinancing | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Cash-out refinancing | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Other purposes | 23 | 6.250% | $35,000 | 0.0% |
Where HEALTH ADVANTAGE FEDERAL CREDIT UNION lends most
The 7 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Saginaw County, MI | 31 | 6.750% | 3.1% |
| Bay County, MI | 3 | Under 10 loans | 0.0% |
| Gladwin County, MI | 2 | Under 10 loans | 0.0% |
| Midland County, MI | 2 | Under 10 loans | 0.0% |
| Alpena County, MI | 1 | Under 10 loans | 0.0% |
| Mason County, MI | 1 | Under 10 loans | 0.0% |
| Tuscola County, MI | 0 | Under 10 loans | Not published |
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When HEALTH ADVANTAGE 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.