Lender in Michigan · HMDA 2025
United Federal Credit Union mortgages in Michigan
United Federal Credit Union's 2025 home-purchase and refinance lending in Michigan, compared with all lenders in the state.
United Federal Credit Union originated 461 owner-occupied single-family loans in Michigan from 495 completed applications.
Its median conventional purchase loan costs were $3,640 versus $4,140 for all Michigan lenders, at a median 30-year fixed rate of 6.625% (Michigan: 6.625%).
Loans in MI
461
of 495 applications
Denial rate
6.0%
Purchase · MI 7.8%
Rate spread
+0.15 pts
Conv. · MI +0.23 pts
Loan amount
$255,000
Purchase · MI $245,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 366 | 344 | 6.0% | 6.625% | +0.15 pts | $3,640 | $255,000 |
| Refinance | 55 | 51 | 7.3% | — | −0.16 pts | $3,290 | $225,000 |
| Cash-out refinance | 74 | 66 | 10.8% | 6.750% | +0.01 pts | $3,480 | $215,000 |
*Conventional loans only; medians with at least 20 loans.
Michigan counties where United Federal Credit Union ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Berrien County | 1 | 283 | 15.6% |
| Cass County | 5 | 27 | 4.3% |
| Van Buren County | 15 | 15 | 1.8% |
| Ottawa County | 16 | 51 | 1.3% |
| Presque Isle County | 23 | 1 | 1.2% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology