LOC Credit Union
LOC Credit Union received 821 applications in 2025 and made 490 mortgages, in 34 counties across 1 state. The median rate its borrowers got was 4.990% on a median loan of $75,000. Of 732 decisions, 241 were denials — 32.9%, most often for other. 3 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 549300ZX2TCCVHMJN581 |
|---|---|
| Applications received | 821 |
| Mortgages made | 490 |
| Denied | 241 |
| Approved, not taken up | 1 |
| Withdrawn or incomplete | 89 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | -2.08 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 | 33 | 6.000% | $135,000 | 23.3% |
| Refinancing | 41 | 6.350% | $95,000 | 25.5% |
| Cash-out refinancing | 5 | Under 10 loans | Under 10 loans | 50.0% |
| Other purposes | 411 | 4.990% | $65,000 | 33.9% |
Where LOC Credit Union lends most
The 34 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 | 218 | 4.990% | 22.7% |
| Oakland County, MI | 118 | 4.990% | 34.8% |
| Wayne County, MI | 94 | 4.990% | 44.8% |
| Washtenaw County, MI | 11 | 4.990% | 8.3% |
| Macomb County, MI | 10 | 6.863% | 56.5% |
| Genesee County, MI | 6 | Under 10 loans | 40.0% |
| Monroe County, MI | 4 | Under 10 loans | 42.9% |
| Ingham County, MI | 3 | Under 10 loans | 40.0% |
| Kent County, MI | 3 | Under 10 loans | 0.0% |
| Shiawassee County, MI | 3 | Under 10 loans | 40.0% |
| Barry County, MI | 2 | Under 10 loans | 0.0% |
| Jackson County, MI | 2 | Under 10 loans | 33.3% |
| Lenawee County, MI | 2 | Under 10 loans | 50.0% |
| Ottawa County, MI | 2 | Under 10 loans | 0.0% |
| Saginaw County, MI | 2 | Under 10 loans | 0.0% |
| Allegan County, MI | 1 | Under 10 loans | 0.0% |
| Arenac County, MI | 1 | Under 10 loans | 0.0% |
| Bay County, MI | 1 | Under 10 loans | 0.0% |
| Gladwin County, MI | 1 | Under 10 loans | 0.0% |
| Isabella County, MI | 1 | Under 10 loans | 0.0% |
| Kalamazoo County, MI | 1 | Under 10 loans | 0.0% |
| Mecosta County, MI | 1 | Under 10 loans | 50.0% |
| Muskegon County, MI | 1 | Under 10 loans | 0.0% |
| Wexford County, MI | 1 | Under 10 loans | 0.0% |
| Baraga County, MI | 0 | Under 10 loans | Not published |
| Calhoun County, MI | 0 | Under 10 loans | 100.0% |
| Grand Traverse County, MI | 0 | Under 10 loans | 100.0% |
| Gratiot County, MI | 0 | Under 10 loans | 100.0% |
| Houghton County, MI | 0 | Under 10 loans | Not published |
| Iosco County, MI | 0 | Under 10 loans | 100.0% |
| Ogemaw County, MI | 0 | Under 10 loans | 100.0% |
| Oscoda County, MI | 0 | Under 10 loans | Not published |
| Roscommon County, MI | 0 | Under 10 loans | Not published |
| St. Clair County, MI | 0 | Under 10 loans | Not published |
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When LOC 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.