MEMBERS FIRST Credit Union
MEMBERS FIRST Credit Union received 374 applications in 2025 and made 216 mortgages, in 28 counties across 1 state. The median rate its borrowers got was 6.625% on a median loan of $125,000. Of 305 decisions, 89 were denials — 29.2%, most often for credit history.
| Legal Entity Identifier | 549300MPZCS4LF270327 |
|---|---|
| Applications received | 374 |
| Mortgages made | 216 |
| Denied | 89 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 69 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.2125 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 | 119 | 6.625% | $145,000 | 19.1% |
| Refinancing | 6 | Under 10 loans | Under 10 loans | 25.0% |
| Cash-out refinancing | 57 | 6.500% | $95,000 | 31.3% |
| Other purposes | 34 | 6.688% | $75,000 | 49.3% |
Where MEMBERS FIRST Credit Union lends most
The 28 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Clare County, MI | 52 | 6.500% | 29.7% |
| Midland County, MI | 48 | 6.750% | 27.3% |
| Isabella County, MI | 24 | 6.750% | 33.3% |
| Gladwin County, MI | 21 | 6.500% | 40.0% |
| Saginaw County, MI | 17 | 6.750% | 15.0% |
| Bay County, MI | 13 | 6.875% | 18.8% |
| Kent County, MI | 8 | Under 10 loans | 11.1% |
| Osceola County, MI | 8 | Under 10 loans | 50.0% |
| Gratiot County, MI | 4 | Under 10 loans | 0.0% |
| Mecosta County, MI | 4 | Under 10 loans | 33.3% |
| Ottawa County, MI | 3 | Under 10 loans | 0.0% |
| Allegan County, MI | 2 | Under 10 loans | 0.0% |
| Lake County, MI | 2 | Under 10 loans | 0.0% |
| Muskegon County, MI | 2 | Under 10 loans | 0.0% |
| Alpena County, MI | 1 | Under 10 loans | 0.0% |
| Barry County, MI | 1 | Under 10 loans | 0.0% |
| Houghton County, MI | 1 | Under 10 loans | 0.0% |
| Kalamazoo County, MI | 1 | Under 10 loans | 0.0% |
| Macomb County, MI | 1 | Under 10 loans | 0.0% |
| Manistee County, MI | 1 | Under 10 loans | 0.0% |
| Ogemaw County, MI | 1 | Under 10 loans | 50.0% |
| Roscommon County, MI | 1 | Under 10 loans | 50.0% |
| Arenac County, MI | 0 | Under 10 loans | 100.0% |
| Cass County, MI | 0 | Under 10 loans | 100.0% |
| Genesee County, MI | 0 | Under 10 loans | Not published |
| Leelanau County, MI | 0 | Under 10 loans | 100.0% |
| Montcalm County, MI | 0 | Under 10 loans | 100.0% |
| Oakland County, MI | 0 | Under 10 loans | Not published |
Get told when this changes
When MEMBERS FIRST Credit Union’s figures are published for the next year, or restated.
Double opt-in, one click to unsubscribe. We never sell or share the list, and we are not a lender, a broker or a lead generator: this is a notification about published data, not a sales call. Privacy.
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.