Lender in Michigan · HMDA 2025
Consumers Credit Union mortgages in Michigan
Consumers Credit Union's 2025 home-purchase and refinance lending in Michigan, compared with all lenders in the state.
Consumers Credit Union originated 1,399 owner-occupied single-family loans in Michigan from 1,452 completed applications, making it the state's #17 lender by volume.
Its median conventional purchase loan costs were $3,420 versus $4,140 for all Michigan lenders, at a median 30-year fixed rate of 6.75% (Michigan: 6.625%).
Loans in MI
1,399
of 1,452 applications
Denial rate
1.7%
Purchase · MI 7.8%
Rate spread
+0.24 pts
Conv. · MI +0.23 pts
Loan amount
$265,000
Purchase · MI $245,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 1,149 | 1,128 | 1.7% | 6.750% | +0.24 pts | $3,420 | $265,000 |
| Refinance | 198 | 174 | 12.1% | 6.625% | +0.20 pts | $2,700 | $165,000 |
| Cash-out refinance | 105 | 97 | 6.7% | 6.875% | +0.33 pts | $3,080 | $185,000 |
*Conventional loans only; medians with at least 20 loans.
Michigan counties where Consumers Credit Union ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Kalamazoo County | 1 | 472 | 14.4% |
| Van Buren County | 1 | 88 | 10.3% |
| Allegan County | 4 | 88 | 5.3% |
| Kent County | 7 | 228 | 2.5% |
| Calhoun County | 7 | 66 | 3.6% |
| Branch County | 7 | 29 | 6.0% |
| Ottawa County | 8 | 109 | 2.7% |
| Barry County | 9 | 22 | 2.5% |
| Muskegon County | 11 | 54 | 1.9% |
| St. Joseph County | 11 | 19 | 2.4% |
| Ionia County | 12 | 20 | 2.3% |
| Eaton County | 13 | 25 | 1.6% |
| Oceana County | 13 | 6 | 2.1% |
| Cass County | 17 | 8 | 1.3% |
| Cheboygan County | 19 | 2 | 0.9% |
| Ingham County | 23 | 26 | 0.8% |
| Wexford County | 23 | 4 | 0.9% |
| Newaygo County | 25 | 6 | 1.0% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology