Lender in Michigan · HMDA 2025
Frankenmuth Credit Union mortgages in Michigan
Frankenmuth Credit Union's 2025 home-purchase and refinance lending in Michigan, compared with all lenders in the state.
Frankenmuth Credit Union originated 468 owner-occupied single-family loans in Michigan from 474 completed applications.
Its median conventional purchase loan costs were $3,260 versus $4,140 for all Michigan lenders, at a median 30-year fixed rate of 6.625% (Michigan: 6.625%).
Loans in MI
468
of 474 applications
Denial rate
0.8%
Purchase · MI 7.8%
Rate spread
+0.35 pts
Conv. · MI +0.23 pts
Loan amount
$195,000
Purchase · MI $245,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 376 | 373 | 0.8% | 6.625% | +0.35 pts | $3,260 | $195,000 |
| Refinance | 34 | 34 | 0.0% | 6.500% | +0.08 pts | $2,750 | $145,000 |
| Cash-out refinance | 64 | 61 | 4.7% | 6.625% | +0.34 pts | $2,880 | $115,000 |
*Conventional loans only; medians with at least 20 loans.
Michigan counties where Frankenmuth Credit Union ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Tuscola County | 1 | 102 | 16.6% |
| Huron County | 2 | 30 | 10.3% |
| Saginaw County | 3 | 160 | 7.3% |
| Arenac County | 7 | 4 | 2.5% |
| Bay County | 8 | 42 | 3.1% |
| Ogemaw County | 8 | 5 | 2.2% |
| Iosco County | 8 | 4 | 1.4% |
| Midland County | 14 | 19 | 1.7% |
| Roscommon County | 15 | 5 | 1.4% |
| Montmorency County | 17 | 1 | 0.7% |
| Oscoda County | 18 | 1 | 1.1% |
| Dickinson County | 20 | 2 | 0.9% |
| Emmet County | 20 | 2 | 0.6% |
| Clare County | 21 | 4 | 0.9% |
| Sanilac County | 24 | 4 | 0.9% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology