LAFCU Credit Union
LAFCU Credit Union received 468 applications in 2025 and made 298 mortgages, in 61 counties across 8 states. The median rate its borrowers got was 5.875% on a median loan of $115,000. Of 351 decisions, 41 were denials — 11.7%, most often for debt-to-income ratio.
| Legal Entity Identifier | 5493003KK3OFPYXHCI44 |
|---|---|
| Applications received | 468 |
| Mortgages made | 298 |
| Denied | 41 |
| Approved, not taken up | 12 |
| Withdrawn or incomplete | 117 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | -0.21 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 | 100 | 5.375% | $225,000 | 7.1% |
| Refinancing | 18 | 4.875% | $340,000 | 0.0% |
| Cash-out refinancing | 91 | 5.625% | $115,000 | 9.3% |
| Other purposes | 89 | 7.290% | $45,000 | 20.5% |
Where LAFCU Credit Union lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Eaton County, MI | 72 | 5.875% | 9.8% |
| Ingham County, MI | 65 | 6.000% | 6.8% |
| Shiawassee County, MI | 35 | 6.375% | 17.8% |
| Clinton County, MI | 27 | 5.625% | 15.6% |
| Livingston County, MI | 9 | Under 10 loans | 18.2% |
| Oakland County, MI | 8 | Under 10 loans | 0.0% |
| Ionia County, MI | 6 | Under 10 loans | 0.0% |
| Calhoun County, MI | 5 | Under 10 loans | 14.3% |
| Genesee County, MI | 5 | Under 10 loans | 28.6% |
| Jackson County, MI | 5 | Under 10 loans | 16.7% |
| Branch County, MI | 4 | Under 10 loans | 0.0% |
| Gratiot County, MI | 4 | Under 10 loans | 0.0% |
| Washtenaw County, MI | 4 | Under 10 loans | 0.0% |
| Bay County, MI | 3 | Under 10 loans | 0.0% |
| Allegan County, MI | 2 | Under 10 loans | 33.3% |
| Barry County, MI | 2 | Under 10 loans | 0.0% |
| Emmet County, MI | 2 | Under 10 loans | 0.0% |
| Kalamazoo County, MI | 2 | Under 10 loans | 0.0% |
| Kent County, MI | 2 | Under 10 loans | 33.3% |
| Macomb County, MI | 2 | Under 10 loans | 0.0% |
| Montcalm County, MI | 2 | Under 10 loans | 0.0% |
| Tuscola County, MI | 2 | Under 10 loans | 0.0% |
| Ottawa County, OH | 2 | Under 10 loans | 0.0% |
| Hernando County, FL | 1 | Under 10 loans | 0.0% |
| Hillsborough County, FL | 1 | Under 10 loans | 0.0% |
| Lee County, FL | 1 | Under 10 loans | 0.0% |
| Cheboygan County, MI | 1 | Under 10 loans | 0.0% |
| Clare County, MI | 1 | Under 10 loans | 50.0% |
| Crawford 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% |
| Lapeer County, MI | 1 | Under 10 loans | 0.0% |
| Leelanau County, MI | 1 | Under 10 loans | 0.0% |
| Mackinac County, MI | 1 | Under 10 loans | 0.0% |
| Marquette County, MI | 1 | Under 10 loans | 0.0% |
| Mecosta County, MI | 1 | Under 10 loans | 50.0% |
| Monroe County, MI | 1 | Under 10 loans | 0.0% |
| Muskegon County, MI | 1 | Under 10 loans | 0.0% |
| Newaygo County, MI | 1 | Under 10 loans | 0.0% |
| Oceana County, MI | 1 | Under 10 loans | 0.0% |
| Ogemaw County, MI | 1 | Under 10 loans | 0.0% |
| Oscoda County, MI | 1 | Under 10 loans | 0.0% |
| Otsego County, MI | 1 | Under 10 loans | 0.0% |
| Roscommon County, MI | 1 | Under 10 loans | 0.0% |
| Saginaw County, MI | 1 | Under 10 loans | 0.0% |
| Stanly County, NC | 1 | Under 10 loans | 0.0% |
| Butler County, OH | 1 | Under 10 loans | 0.0% |
| Clermont County, OH | 1 | Under 10 loans | 0.0% |
| Montgomery County, OH | 1 | Under 10 loans | 0.0% |
| Wood County, OH | 1 | Under 10 loans | 0.0% |
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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.