TEAM ONE CREDIT UNION
TEAM ONE CREDIT UNION received 150 applications in 2025 and made 108 mortgages, in 23 counties across 1 state. The median rate its borrowers got was 6.750% on a median loan of $85,000. Of 118 decisions, 9 were denials — 7.6%, most often for credit history.
| Legal Entity Identifier | 549300BYPXU2L51NW896 |
|---|---|
| Applications received | 150 |
| Mortgages made | 108 |
| Denied | 9 |
| Approved, not taken up | 1 |
| Withdrawn or incomplete | 32 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.353 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 | 47 | 6.500% | $175,000 | 2.0% |
| Refinancing | 8 | Under 10 loans | Under 10 loans | 20.0% |
| Cash-out refinancing | 15 | 6.500% | $75,000 | 11.8% |
| Other purposes | 38 | 7.990% | $45,000 | 9.5% |
Where TEAM ONE CREDIT UNION lends most
The 23 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Tuscola County, MI | 24 | 7.245% | 7.7% |
| Huron County, MI | 21 | 7.490% | 12.0% |
| Saginaw County, MI | 21 | 6.500% | 4.6% |
| Sanilac County, MI | 14 | 6.625% | 0.0% |
| Genesee County, MI | 4 | Under 10 loans | 20.0% |
| Bay County, MI | 3 | Under 10 loans | 25.0% |
| Benzie County, MI | 2 | Under 10 loans | 0.0% |
| Grand Traverse County, MI | 2 | Under 10 loans | 0.0% |
| Kent County, MI | 2 | Under 10 loans | 0.0% |
| Oakland County, MI | 2 | Under 10 loans | 33.3% |
| Washtenaw County, MI | 2 | Under 10 loans | 0.0% |
| Gladwin County, MI | 1 | Under 10 loans | 0.0% |
| Gratiot County, MI | 1 | Under 10 loans | 0.0% |
| Kalkaska County, MI | 1 | Under 10 loans | 0.0% |
| Lapeer County, MI | 1 | Under 10 loans | 0.0% |
| Leelanau County, MI | 1 | Under 10 loans | 0.0% |
| Macomb County, MI | 1 | Under 10 loans | 0.0% |
| Midland County, MI | 1 | Under 10 loans | 0.0% |
| Ogemaw County, MI | 1 | Under 10 loans | 0.0% |
| Roscommon County, MI | 1 | Under 10 loans | 0.0% |
| St. Clair County, MI | 1 | Under 10 loans | 0.0% |
| Shiawassee County, MI | 1 | Under 10 loans | 0.0% |
| Berrien County, MI | 0 | Under 10 loans | Not published |
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When TEAM ONE 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.