Michigan United Credit Union
Michigan United Credit Union received 328 applications in 2025 and made 215 mortgages, in 29 counties across 1 state. The median rate its borrowers got was 4.740% on a median loan of $65,000. Of 263 decisions, 37 were denials — 14.1%, most often for debt-to-income ratio. 10 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 54930005S5CFTGC2VR75 |
|---|---|
| Applications received | 328 |
| Mortgages made | 215 |
| Denied | 37 |
| Approved, not taken up | 11 |
| Withdrawn or incomplete | 65 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| 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 | 11 | 6.250% | $235,000 | 0.0% |
| Refinancing | 89 | 3.365% | $65,000 | 16.8% |
| Cash-out refinancing | 34 | 5.375% | $70,000 | 16.7% |
| Other purposes | 81 | 1.990% | $55,000 | 11.7% |
Where Michigan United Credit Union lends most
The 29 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Oakland County, MI | 121 | 5.240% | 12.0% |
| Macomb County, MI | 39 | 1.990% | 18.0% |
| Wayne County, MI | 11 | 1.990% | 14.3% |
| Kent County, MI | 8 | Under 10 loans | 10.0% |
| Livingston County, MI | 5 | Under 10 loans | 16.7% |
| St. Clair County, MI | 5 | Under 10 loans | 28.6% |
| Ingham County, MI | 4 | Under 10 loans | 20.0% |
| Washtenaw County, MI | 3 | Under 10 loans | 0.0% |
| Genesee County, MI | 2 | Under 10 loans | 33.3% |
| Lapeer County, MI | 2 | Under 10 loans | 33.3% |
| Roscommon County, MI | 2 | Under 10 loans | 0.0% |
| Arenac County, MI | 1 | Under 10 loans | 0.0% |
| Branch County, MI | 1 | Under 10 loans | 0.0% |
| Cheboygan County, MI | 1 | Under 10 loans | 0.0% |
| Clare County, MI | 1 | Under 10 loans | 0.0% |
| Gladwin County, MI | 1 | Under 10 loans | 0.0% |
| Jackson County, MI | 1 | Under 10 loans | 0.0% |
| Kalamazoo County, MI | 1 | Under 10 loans | 0.0% |
| Manistee County, MI | 1 | Under 10 loans | 0.0% |
| Mason County, MI | 1 | Under 10 loans | 50.0% |
| Midland County, MI | 1 | Under 10 loans | 0.0% |
| Montmorency County, MI | 1 | Under 10 loans | 0.0% |
| Oscoda County, MI | 1 | Under 10 loans | 0.0% |
| Sanilac County, MI | 1 | Under 10 loans | 0.0% |
| Crawford County, MI | 0 | Under 10 loans | 100.0% |
| Eaton County, MI | 0 | Under 10 loans | Not published |
| Grand Traverse County, MI | 0 | Under 10 loans | Not published |
| Newaygo County, MI | 0 | Under 10 loans | Not published |
| Ottawa County, MI | 0 | Under 10 loans | Not published |
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When Michigan United 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.