MICHIGAN STATE UNIVERSITY Federal Credit Union received 4,712 applications in 2025 and made
2,748 mortgages, in 208 counties across 21 states.
The median rate its borrowers got was 7.500% on a median loan of $125,000.
Of 3,978 decisions, 820 were denials — 20.6%, most often for debt-to-income ratio.
460 of its applications carried no county and are counted here but on no county page.
Legal Entity Identifier
54930053SM8COVIPIY54
Applications received
4,712
Mortgages made
2,748
Denied
820
Approved, not taken up
410
Withdrawn or incomplete
734
Loans bought from other lenders
85
Median rate spread over the prime offer rate
0.31 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
950
6.625%
$235,000
3.7%
Refinancing
131
7.125%
$135,000
18.4%
Cash-out refinancing
223
6.750%
$165,000
30.2%
Other purposes
1,444
7.750%
$75,000
26.5%
Where MICHIGAN STATE UNIVERSITY Federal Credit Union lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
When MICHIGAN STATE UNIVERSITY Federal 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.