Lender in Michigan · HMDA 2025
University of Michigan Credit Union mortgages in Michigan
University of Michigan Credit Union's 2025 home-purchase and refinance lending in Michigan, compared with all lenders in the state.
University of Michigan Credit Union originated 210 owner-occupied single-family loans in Michigan from 299 completed applications.
Its median conventional purchase loan costs were $3,320 versus $4,140 for all Michigan lenders, at a median 30-year fixed rate of 6.375% (Michigan: 6.625%).
Loans in MI
210
of 299 applications
Denial rate
3.9%
Purchase · MI 7.8%
Rate spread
−0.13 pts
Conv. · MI +0.23 pts
Loan amount
$295,000
Purchase · MI $245,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 234 | 175 | 3.9% | 6.375% | −0.13 pts | $3,320 | $295,000 |
| Refinance | 21 | 12 | 9.5% | — | — | — | — |
| Cash-out refinance | 44 | 23 | 31.8% | — | −0.18 pts | $2,890 | $275,000 |
*Conventional loans only; medians with at least 20 loans.
Michigan counties where University of Michigan Credit Union ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Washtenaw County | 9 | 117 | 2.8% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology