Lender in Michigan · HMDA 2025
Dfcu Financial mortgages in Michigan
Dfcu Financial's 2025 home-purchase and refinance lending in Michigan, compared with all lenders in the state.
Dfcu Financial originated 873 owner-occupied single-family loans in Michigan from 917 completed applications.
Its median conventional purchase loan costs were $4,450 versus $4,140 for all Michigan lenders, at a median 30-year fixed rate of 6.625% (Michigan: 6.625%).
Loans in MI
873
of 917 applications
Denial rate
1.2%
Purchase · MI 7.8%
Rate spread
+0.16 pts
Conv. · MI +0.23 pts
Loan amount
$275,000
Purchase · MI $245,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 660 | 638 | 1.2% | 6.625% | +0.16 pts | $4,450 | $275,000 |
| Refinance | 79 | 73 | 6.3% | — | +0.15 pts | $3,980 | $205,000 |
| Cash-out refinance | 178 | 162 | 7.3% | — | +0.16 pts | $3,770 | $185,000 |
*Conventional loans only; medians with at least 20 loans.
Michigan counties where Dfcu Financial ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Wayne County | 6 | 390 | 2.1% |
| Monroe County | 13 | 38 | 1.6% |
| Livingston County | 14 | 44 | 1.4% |
| Washtenaw County | 15 | 70 | 1.7% |
| Oakland County | 25 | 149 | 0.8% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology