LAKE MICHIGAN CREDIT UNION received 18,732 applications in 2025 and made
14,279 mortgages, in 216 counties across 15 states.
The median rate its borrowers got was 6.740% on a median loan of $215,000.
Of 15,902 decisions, 1,154 were denials — 7.3%, most often for debt-to-income ratio.
Legal Entity Identifier
549300YB1H2FRI6JPM51
Applications received
18,732
Mortgages made
14,279
Denied
1,154
Approved, not taken up
469
Withdrawn or incomplete
2,830
Loans bought from other lenders
73
Median rate spread over the prime offer rate
0.01 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
7,792
6.375%
$305,000
3.4%
Refinancing
2,099
7.240%
$165,000
7.7%
Cash-out refinancing
307
6.500%
$225,000
12.9%
Other purposes
4,081
7.240%
$65,000
13.0%
Where LAKE MICHIGAN CREDIT UNION lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
When LAKE MICHIGAN 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.