Wildfire Credit Union
Wildfire Credit Union received 403 applications in 2025 and made 310 mortgages, in 41 counties across 1 state. The median rate its borrowers got was Not published on a median loan of $145,000. Of 356 decisions, 43 were denials — 12.1%. 94 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 254900TKL128GKFR9C87 |
|---|---|
| Applications received | 403 |
| Mortgages made | 310 |
| Denied | 43 |
| Approved, not taken up | 3 |
| Withdrawn or incomplete | 47 |
| 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 | 143 | Not published | $195,000 | 4.6% |
| Refinancing | 19 | Not published | $125,000 | 13.6% |
| Cash-out refinancing | 90 | Not published | $105,000 | 18.8% |
| Other purposes | 58 | Not published | $95,000 | 16.9% |
Where Wildfire 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 |
|---|---|---|---|
| Saginaw County, MI | 94 | Not published | 19.7% |
| Bay County, MI | 84 | Not published | 6.6% |
| Midland County, MI | 51 | Not published | 10.5% |
| Gladwin County, MI | 9 | Under 10 loans | 0.0% |
| Oakland County, MI | 9 | Under 10 loans | 0.0% |
| Arenac County, MI | 7 | Under 10 loans | 0.0% |
| Genesee County, MI | 5 | Under 10 loans | 14.3% |
| Wayne County, MI | 5 | Under 10 loans | 0.0% |
| Isabella County, MI | 4 | Under 10 loans | 0.0% |
| Huron County, MI | 3 | Under 10 loans | 0.0% |
| Iosco County, MI | 3 | Under 10 loans | 25.0% |
| Livingston County, MI | 3 | Under 10 loans | 0.0% |
| Tuscola County, MI | 3 | Under 10 loans | 25.0% |
| Antrim County, MI | 2 | Under 10 loans | 0.0% |
| Emmet County, MI | 2 | Under 10 loans | 0.0% |
| Grand Traverse County, MI | 2 | Under 10 loans | 0.0% |
| Ogemaw County, MI | 2 | Under 10 loans | 0.0% |
| Roscommon County, MI | 2 | Under 10 loans | 33.3% |
| Alcona County, MI | 1 | Under 10 loans | 0.0% |
| Berrien County, MI | 1 | Under 10 loans | 0.0% |
| Cheboygan County, MI | 1 | Under 10 loans | 0.0% |
| Clinton County, MI | 1 | Under 10 loans | 0.0% |
| Crawford County, MI | 1 | Under 10 loans | 0.0% |
| Ingham 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% |
| Manistee County, MI | 1 | Under 10 loans | 0.0% |
| Mason County, MI | 1 | Under 10 loans | 0.0% |
| Mecosta County, MI | 1 | Under 10 loans | 0.0% |
| Missaukee County, MI | 1 | Under 10 loans | 0.0% |
| Montcalm County, MI | 1 | Under 10 loans | 0.0% |
| Oscoda County, MI | 1 | Under 10 loans | 0.0% |
| Ottawa 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% |
| Washtenaw County, MI | 1 | Under 10 loans | 0.0% |
| Wexford County, MI | 1 | Under 10 loans | 0.0% |
| Charlevoix County, MI | 0 | Under 10 loans | Not published |
| Clare County, MI | 0 | Under 10 loans | Not published |
| Gratiot County, MI | 0 | Under 10 loans | Not published |
| Kent County, MI | 0 | Under 10 loans | Not published |
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When Wildfire 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.