Name of the lender

North Central Area Credit UnionMortgage rates, total loan costs and denial rate, 2025

HMDA year2025

Years filed2025

Head office: Houghton Lake, MI
Reporting agency: National Credit Union Administration (NCUA)
Legal Entity Identifier (LEI)

Figures by state (CSV)

North Central Area Credit Union reported 134 mortgage applications in the HMDA data of 2025.

It originated 125 loans in 2025, for $14.6 million in total.

The lender filed the interest rate as “Exempt” for 111 of its 125 loans originated in 2025. This page shows no median interest rate.

This page shows no median total loan costs, because fewer than 20 loans report the amount.

It denied 3.1% of the applications that it decided in 2025, and the national denial rate was 22.6%.

Filed figures of North Central Area Credit Union, 2025
Figure	This lender	United States
Applications	134Under 0.1% of the US total	11,766,671
Loans originated	125$14.6 million	6,827,891
Median interest rate	ExemptWhy there is no median	6.375%
Median total loan costs	Exempt	$6,413
Denial rate	3.1%	22.6%

HMDA data are generally not used alone to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions.
The words of the Consumer Financial Protection Bureau (CFPB). Source: Consumer Financial Protection Bureau, Summary of 2023 Data on Mortgage Lending (11 July 2024), copied on 2 Oct 2026. The figures on this page are from the HMDA data of 2025, the snapshot dataset.

Since the last update

No change on record

No tracked figure of this lender has changed since this site started its record. The record compares each update of the HMDA data with the update before it. The record of updates.

PricingMedians of 2025 loans

Median interest rate, 2025Exempt

The lender filed the interest rate as “Exempt” for 111 of its 125 loans originated in 2025.

Medians are for originated closed-end loans with a first lien. Reverse mortgages, open-end lines of credit and loans for a business purpose are not in the medians.

The applications, the loans originated and the denial rate on this page do not need the exempt fields.

A lender with a partial exemption can file “Exempt” in place of the interest rate, the total loan costs and some other fields. The glossary has the rule.

If a financial institution is eligible for a partial exemption for a specific transaction, then the financial institution is not required to collect, record, or report certain data points for the transaction.
Source: CFPB, A Beginner’s Guide to Accessing and Using Home Mortgage Disclosure Act Data (June 2022), copied on 2 Oct 2026.

Action takenHMDA codes and labels

Records of North Central Area Credit Union by the action taken, 2025
Action taken	Records	Share of records	US share
1Loan originated	125	93.3%	50.4%
2Application approved but not accepted	0	0.0%	3.1%
3Application denied	4	3.0%	15.6%
4Application withdrawn by applicant	5	3.7%	12.6%
5File closed for incompleteness	0	0.0%	5.1%
6Purchased loan	0	0.0%	11.7%
7Preapproval request denied	0	0.0%	0.4%
8Preapproval request approved but not accepted	0	0.0%	1.1%

The denial rate is code 3 divided by codes 1, 2 and 3: the applications that the lender decided. Codes 4 and 5 are applications with no decision. Code 6 is a loan that the lender bought.

Denial reasonsFirst reason coded

The lender has fewer than 25 denials in 2025, so this page shows no reasons.

Loan types and purposesLoans of 2025

Applications of North Central Area Credit Union by loan type
Loan type	Applications	Loans originated	Denial rate
Conventional	134	125	3.1%US 23.4%

Applications of North Central Area Credit Union by loan purpose
Loan purpose	Applications	Loans originated	Share of loans
Home purchase	31	30	24.0%
Home improvement	7	7	5.6%
Refinancing	18	14	11.2%
Cash-out refinancing	14	10	8.0%
Other purpose	64	64	51.2%

The denial rate of a loan type is the denied applications divided by the decided applications of that type. It is "n/a" under 25 decided applications.

States where it lends1 state with 25 applications or more

North Central Area Credit Union by state, 2025In order of the names. A state with 100 applications or more links to the lender's page for the state.
State	Applications	Loans originated	Median interest rate	Median total loan costs	Denial rate
Michigan	134	125	n/a	n/a	3.1%

Figures by yearHMDA 2022 to 2025

North Central Area Credit Union by HMDA year"n/a" shows a year with fewer than 25 applications, or a year that this site does not process.
Year	Applications	Loans originated	Median interest rate	Median total loan costs	Denial rate	Records filed
2025	134	125	n/a	n/a	3.1%	134
2024	n/a	n/a	n/a	n/a	n/a	n/a
2023	n/a	n/a	n/a	n/a	n/a	n/a
2022	n/a	n/a	n/a	n/a	n/a	n/a

Records filed is the count on the lender's HMDA transmittal sheet. It includes purchased loans and requests for preapproval.

Denial rate by year: North Central Area Credit Union and the United States

North Central Area Credit UnionUnited States

Peer lenders12 lenders

These lenders originated a count of loans close to the count of this lender, in the same states. The site compares the applications of each lender by state. The list is not a ranking.

1st State BankSaginaw, MI
AAC Credit UnionGrand Rapids, MI
Community West Credit UnionKentwood, MI
Eaton Community BankCharlotte, MI
Ignite Credit UnionGrandville, MI
Jolt Credit UnionSaginaw, MI
Michigan Legacy Credit UnionWyandotte, MI
Neighborhood Mortgage Solutions, LLCFrankenmuth, MI
Thumb Bank & TrustPigeon, MI
United Financial Credit UnionSaginaw, MI
West Michigan Community BankHudsonville, MI
WMCUGrand Rapids, MI

Official channelsLinks checked 2 Oct 2026

HMDA Data Browser (FFIEC and CFPB)The HMDA records of this lender, with a CSV download.
Submit a complaint (Consumer Financial Protection Bureau)The CFPB form for a complaint about a mortgage or a lender.

Cite this page

Page: Lender Register, "North Central Area Credit Union mortgage rates, 2025", https://lenderregister.com/lender/254900diwcheqwz9gv45-north-central-area-credit-union/
Lender: North Central Area Credit Union, LEI 254900DIWCHEQWZ9GV45
Source: Federal Financial Institutions Examination Council and Consumer Financial Protection Bureau, Home Mortgage Disclosure Act data, 2025, snapshot dataset
Data date: HMDA year 2025. Page made 2 Oct 2026.

Provenance

The figures come from the public HMDA loan/application register of 2022 to 2025. The count of records filed comes from the transmittal sheets of 2025 to 2025. The FFIEC and the CFPB publish them at ffiec.cfpb.gov. The name, the head office and the agency are from the newest transmittal sheet of the LEI.

This site withholds a figure with fewer than 25 applications and a median with fewer than 20 loans. Method of the figures. Terms. Report an error.

Questions

How many loans did North Central Area Credit Union buy from other lenders in 2025?: It reported no purchased loans. HMDA counts a purchased loan apart from the applications, so the denial rate does not include it.
In which states did North Central Area Credit Union originate the most loans in 2025?: It had 25 applications or more in one state only: Michigan, with 125 loans originated.
Which loan types did North Central Area Credit Union originate in 2025?: All its loans were of one type: 125 Conventional.
How many records did North Central Area Credit Union file for 2025?: Its transmittal sheet counts 134 records. The count includes purchased loans and requests for preapproval, so it is not the count of applications.