Lake Trust Credit Union
Lake Trust Credit Union received 955 applications in 2025 and made 522 mortgages, in 41 counties across 1 state. The median rate its borrowers got was 7.390% on a median loan of $55,000. Of 948 decisions, 418 were denials — 44.1%, most often for debt-to-income ratio.
| Legal Entity Identifier | 254900RQGXH1N2N6D695 |
|---|---|
| Applications received | 955 |
| Mortgages made | 522 |
| Denied | 418 |
| Approved, not taken up | 8 |
| Withdrawn or incomplete | 7 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 1.34 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 | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Refinancing | 16 | 7.280% | $65,000 | 64.4% |
| Cash-out refinancing | 99 | 7.310% | $85,000 | 29.3% |
| Other purposes | 402 | 7.410% | $55,000 | 45.9% |
Where Lake Trust Credit Union lends most
The 41 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Livingston County, MI | 117 | 7.480% | 39.6% |
| Ingham County, MI | 70 | 7.285% | 39.7% |
| Washtenaw County, MI | 56 | 7.500% | 45.2% |
| Barry County, MI | 42 | 7.500% | 33.3% |
| Wayne County, MI | 39 | 7.230% | 54.9% |
| Eaton County, MI | 36 | 7.240% | 50.0% |
| Oakland County, MI | 32 | 7.435% | 42.1% |
| Ottawa County, MI | 29 | 7.320% | 35.6% |
| Clinton County, MI | 19 | 7.500% | 44.1% |
| Macomb County, MI | 19 | 7.190% | 43.2% |
| Isabella County, MI | 8 | Under 10 loans | 33.3% |
| Jackson County, MI | 7 | Under 10 loans | 56.3% |
| Genesee County, MI | 6 | Under 10 loans | 45.5% |
| Lenawee County, MI | 6 | Under 10 loans | 40.0% |
| Shiawassee County, MI | 6 | Under 10 loans | 53.8% |
| Muskegon County, MI | 5 | Under 10 loans | 50.0% |
| St. Clair County, MI | 3 | Under 10 loans | 40.0% |
| Allegan County, MI | 2 | Under 10 loans | 60.0% |
| Berrien County, MI | 2 | Under 10 loans | 0.0% |
| Clare County, MI | 2 | Under 10 loans | 33.3% |
| Midland County, MI | 2 | Under 10 loans | 0.0% |
| Monroe County, MI | 2 | Under 10 loans | 75.0% |
| Alcona County, MI | 1 | Under 10 loans | 75.0% |
| Calhoun County, MI | 1 | Under 10 loans | 50.0% |
| Cheboygan County, MI | 1 | Under 10 loans | 0.0% |
| Gratiot County, MI | 1 | Under 10 loans | 66.7% |
| Huron County, MI | 1 | Under 10 loans | 0.0% |
| Ionia County, MI | 1 | Under 10 loans | 0.0% |
| Kent County, MI | 1 | Under 10 loans | 66.7% |
| Mecosta County, MI | 1 | Under 10 loans | 75.0% |
| Montcalm County, MI | 1 | Under 10 loans | 75.0% |
| Oceana County, MI | 1 | Under 10 loans | 0.0% |
| Otsego County, MI | 1 | Under 10 loans | 50.0% |
| Saginaw County, MI | 1 | Under 10 loans | 0.0% |
| Gladwin County, MI | 0 | Under 10 loans | 100.0% |
| Hillsdale County, MI | 0 | Under 10 loans | 100.0% |
| Kalamazoo County, MI | 0 | Under 10 loans | 100.0% |
| Lake County, MI | 0 | Under 10 loans | 100.0% |
| Marquette County, MI | 0 | Under 10 loans | 100.0% |
| Van Buren County, MI | 0 | Under 10 loans | 100.0% |
| Wexford County, MI | 0 | Under 10 loans | 100.0% |
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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.