VIBE CREDIT UNION
VIBE CREDIT UNION received 700 applications in 2025 and made 568 mortgages, in 41 counties across 8 states. The median rate its borrowers got was 6.500% on a median loan of $75,000. Of 634 decisions, 60 were denials — 9.5%, most often for debt-to-income ratio.
| Legal Entity Identifier | 5493001XRDEGNB7US825 |
|---|---|
| Applications received | 700 |
| Mortgages made | 568 |
| Denied | 60 |
| Approved, not taken up | 6 |
| Withdrawn or incomplete | 66 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 5.49 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 | 97 | 6.250% | $225,000 | 3.9% |
| Refinancing | 14 | 5.990% | $130,000 | 22.2% |
| Cash-out refinancing | 341 | 6.500% | $65,000 | 11.3% |
| Other purposes | 116 | 7.250% | $65,000 | 6.5% |
Where VIBE CREDIT UNION lends most
The 41 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 | 318 | 6.500% | 8.0% |
| Wayne County, MI | 98 | 6.750% | 17.0% |
| Macomb County, MI | 48 | 6.500% | 4.0% |
| Livingston County, MI | 24 | 6.495% | 0.0% |
| Genesee County, MI | 23 | 6.500% | 0.0% |
| Lapeer County, MI | 12 | 6.875% | 0.0% |
| Washtenaw County, MI | 6 | Under 10 loans | 14.3% |
| Clare County, MI | 4 | Under 10 loans | 0.0% |
| Shiawassee County, MI | 4 | Under 10 loans | 0.0% |
| St. Clair County, MI | 3 | Under 10 loans | 40.0% |
| Berrien County, MI | 2 | Under 10 loans | 0.0% |
| Iosco County, MI | 2 | Under 10 loans | 0.0% |
| Lenawee County, MI | 2 | Under 10 loans | 0.0% |
| Monroe County, MI | 2 | Under 10 loans | 33.3% |
| Roscommon County, MI | 2 | Under 10 loans | 0.0% |
| Maricopa County, AZ | 1 | Under 10 loans | 0.0% |
| Lake County, IN | 1 | Under 10 loans | 50.0% |
| Alpena County, MI | 1 | Under 10 loans | 0.0% |
| Bay County, MI | 1 | Under 10 loans | 0.0% |
| Cheboygan County, MI | 1 | Under 10 loans | 0.0% |
| Gladwin County, MI | 1 | Under 10 loans | 0.0% |
| Huron County, MI | 1 | Under 10 loans | 0.0% |
| Kalkaska County, MI | 1 | Under 10 loans | 0.0% |
| Kent County, MI | 1 | Under 10 loans | 0.0% |
| Luce County, MI | 1 | Under 10 loans | 0.0% |
| Mackinac County, MI | 1 | Under 10 loans | 0.0% |
| Midland County, MI | 1 | Under 10 loans | 0.0% |
| Muskegon County, MI | 1 | Under 10 loans | 0.0% |
| Newaygo County, MI | 1 | Under 10 loans | 0.0% |
| Osceola County, MI | 1 | Under 10 loans | 0.0% |
| Pasquotank County, NC | 1 | Under 10 loans | 0.0% |
| Medina County, OH | 1 | Under 10 loans | 0.0% |
| Greenbrier County, WV | 1 | Under 10 loans | 0.0% |
| Sacramento County, CA | 0 | Under 10 loans | Not published |
| Gulf County, FL | 0 | Under 10 loans | 100.0% |
| Allegan County, MI | 0 | Under 10 loans | 100.0% |
| Antrim County, MI | 0 | Under 10 loans | 100.0% |
| Arenac County, MI | 0 | Under 10 loans | 100.0% |
| Grand Traverse County, MI | 0 | Under 10 loans | Not published |
| Leelanau County, MI | 0 | Under 10 loans | Not published |
| Marquette County, MI | 0 | Under 10 loans | 100.0% |
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When VIBE 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.