JOLT CREDIT UNION
JOLT CREDIT UNION received 182 applications in 2025 and made 114 mortgages, in 21 counties across 1 state. The median rate its borrowers got was 5.990% on a median loan of $145,000. Of 153 decisions, 27 were denials — 17.7%, most often for debt-to-income ratio. 20 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 549300760C8FJ53D2J56 |
|---|---|
| Applications received | 182 |
| Mortgages made | 114 |
| Denied | 27 |
| Approved, not taken up | 12 |
| Withdrawn or incomplete | 29 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.079 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 | 81 | 5.990% | $155,000 | 13.5% |
| Refinancing | 10 | 5.990% | $110,000 | 31.3% |
| Cash-out refinancing | 22 | 5.990% | $70,000 | 25.0% |
| Other purposes | 1 | Under 10 loans | Under 10 loans | 0.0% |
Where JOLT CREDIT UNION lends most
The 21 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 | 48 | 5.990% | 15.5% |
| Bay County, MI | 40 | 5.990% | 8.9% |
| Midland County, MI | 7 | Under 10 loans | 20.0% |
| Gladwin County, MI | 3 | Under 10 loans | 16.7% |
| Arenac County, MI | 2 | Under 10 loans | 0.0% |
| Manistee County, MI | 2 | Under 10 loans | 0.0% |
| Oakland County, MI | 2 | Under 10 loans | 0.0% |
| Calhoun County, MI | 1 | Under 10 loans | 50.0% |
| Chippewa County, MI | 1 | Under 10 loans | 0.0% |
| Ingham 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% |
| Kent County, MI | 1 | Under 10 loans | 0.0% |
| Montmorency County, MI | 1 | Under 10 loans | 0.0% |
| Otsego County, MI | 1 | Under 10 loans | 0.0% |
| Tuscola County, MI | 1 | Under 10 loans | 0.0% |
| Wayne County, MI | 1 | Under 10 loans | 50.0% |
| Clare County, MI | 0 | Under 10 loans | 100.0% |
| Crawford County, MI | 0 | Under 10 loans | Not published |
| Genesee County, MI | 0 | Under 10 loans | 100.0% |
| Roscommon 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.