Lender in Michigan · HMDA 2025
Credit Union One mortgages in Michigan
Credit Union One's 2025 home-purchase and refinance lending in Michigan, compared with all lenders in the state.
Credit Union One originated 391 owner-occupied single-family loans in Michigan from 497 completed applications.
Its median conventional purchase loan costs were $3,800 versus $4,140 for all Michigan lenders, at a median 30-year fixed rate of 6.625% (Michigan: 6.625%).
Loans in MI
391
of 497 applications
Denial rate
10.1%
Purchase · MI 7.8%
Rate spread
+0.02 pts
Conv. · MI +0.23 pts
Loan amount
$235,000
Purchase · MI $245,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 209 | 182 | 10.1% | 6.625% | +0.02 pts | $3,800 | $235,000 |
| Refinance | 43 | 35 | 16.3% | — | +0.02 pts | $3,330 | $245,000 |
| Cash-out refinance | 245 | 174 | 26.9% | 7.125% | +0.60 pts | $0 | $115,000 |
*Conventional loans only; medians with at least 20 loans.
Michigan counties where Credit Union One ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Grand Traverse County | 4 | 48 | 4.0% |
| Kalkaska County | 4 | 10 | 4.3% |
| Benzie County | 6 | 10 | 4.5% |
| Leelanau County | 7 | 9 | 4.0% |
| Antrim County | 18 | 3 | 1.1% |
| Crawford County | 19 | 2 | 1.1% |
| Wexford County | 21 | 5 | 1.1% |
| Montmorency County | 25 | 1 | 0.7% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology