SUNRISE FAMILY CREDIT UNION
SUNRISE FAMILY CREDIT UNION received 64 applications in 2025 and made 61 mortgages, in 10 counties across 1 state. The median rate its borrowers got was 5.750% on a median loan of $85,000. Of 63 decisions, 2 were denials — 3.2%, most often for credit history.
| Legal Entity Identifier | 549300P1I25L8ILSI852 |
|---|---|
| Applications received | 64 |
| Mortgages made | 61 |
| Denied | 2 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 1 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | -0.13 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 | 23 | 5.750% | $155,000 | 0.0% |
| Refinancing | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Cash-out refinancing | 12 | 5.563% | $90,000 | 7.7% |
| Other purposes | 24 | 6.875% | $55,000 | 4.0% |
Where SUNRISE FAMILY CREDIT UNION lends most
The 10 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Bay County, MI | 36 | 5.875% | 5.3% |
| Arenac County, MI | 11 | 6.500% | 0.0% |
| Midland County, MI | 4 | Under 10 loans | 0.0% |
| Saginaw County, MI | 4 | Under 10 loans | 0.0% |
| Berrien County, MI | 1 | Under 10 loans | 0.0% |
| Genesee County, MI | 1 | Under 10 loans | 0.0% |
| Gladwin County, MI | 1 | Under 10 loans | 0.0% |
| Macomb County, MI | 1 | Under 10 loans | 0.0% |
| Roscommon County, MI | 1 | Under 10 loans | 0.0% |
| Tuscola County, MI | 1 | Under 10 loans | 0.0% |
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When SUNRISE FAMILY 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.