MICHIGAN ONE COMMUNITY Credit Union
MICHIGAN ONE COMMUNITY Credit Union received 102 applications in 2025 and made 87 mortgages, in 19 counties across 1 state. The median rate its borrowers got was 7.125% on a median loan of $95,000. Of 97 decisions, 8 were denials — 8.3%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300PV90PV65OLDL82 |
|---|---|
| Applications received | 102 |
| Mortgages made | 87 |
| Denied | 8 |
| Approved, not taken up | 2 |
| Withdrawn or incomplete | 5 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.882 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 | 20 | 7.188% | $165,000 | 4.8% |
| Refinancing | 21 | 6.500% | $95,000 | 0.0% |
| Cash-out refinancing | 18 | 7.063% | $160,000 | 0.0% |
| Other purposes | 28 | 8.250% | $35,000 | 18.9% |
Where MICHIGAN ONE COMMUNITY Credit Union lends most
The 19 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Montcalm County, MI | 34 | 7.000% | 12.5% |
| Ionia County, MI | 17 | 7.125% | 5.6% |
| Gratiot County, MI | 12 | 7.125% | 14.3% |
| Kent County, MI | 8 | Under 10 loans | 0.0% |
| Barry County, MI | 2 | Under 10 loans | 0.0% |
| Mecosta County, MI | 2 | Under 10 loans | 0.0% |
| Allegan County, MI | 1 | Under 10 loans | 0.0% |
| Delta County, MI | 1 | Under 10 loans | 0.0% |
| Genesee County, MI | 1 | Under 10 loans | 0.0% |
| Grand Traverse County, MI | 1 | Under 10 loans | 0.0% |
| Lake County, MI | 1 | Under 10 loans | 0.0% |
| Livingston County, MI | 1 | Under 10 loans | 0.0% |
| Midland County, MI | 1 | Under 10 loans | 0.0% |
| Newaygo County, MI | 1 | Under 10 loans | 0.0% |
| Ontonagon County, MI | 1 | Under 10 loans | 0.0% |
| Otsego County, MI | 1 | Under 10 loans | 0.0% |
| Ottawa County, MI | 1 | Under 10 loans | 0.0% |
| Presque Isle County, MI | 1 | Under 10 loans | 0.0% |
| Clare County, MI | 0 | Under 10 loans | 0.0% |
Get told when this changes
When MICHIGAN ONE COMMUNITY 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.