Name of the lender

North Central Area Credit Union in MichiganMortgage rates, total loan costs and denial rate for homes in Michigan, 2025

HMDA year2025

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

North Central Area Credit Union reported 134 applications for homes in Michigan in the HMDA data of 2025.

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

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

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

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

Filed figures of North Central Area Credit Union in Michigan, 2025
Figure	In MI	Lender, all states	MI, all lenders
Applications	134	134	383,226
Loans originated	125	125	229,505
Median interest rate	n/a	n/a	6.599%
Median total loan costs	n/a	n/a	$4,527
Denial rate	3.1%	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.

PricingMedians of 2025 loans in MI

Median interest rate in MIExempt

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

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.

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. A median needs 20 loans.

Action taken and loan types

Records in Michigan by the action taken
Action taken	Records	Share
1Loan originated	125	93.3%
2Application approved but not accepted	0	0.0%
3Application denied	4	3.0%
4Application withdrawn by applicant	5	3.7%
5File closed for incompleteness	0	0.0%
6Purchased loan	0	0.0%
7Preapproval request denied	0	0.0%
8Preapproval request approved but not accepted	0	0.0%

Applications in Michigan by loan type
Loan type	Applications	Loans originated	Denial rate
Conventional	134	125	3.1%

Counties in Michigan

Counties of North Central Area Credit Union in Michigan with 25 applications or more, 2025In order of the names.
County	Applications	Loans originated	Amount	Denial rate
Crawford County	26	25	$2.3 million	3.8%
Roscommon County	48	46	$4.1 million	2.1%

Figures by year

North Central Area Credit Union in Michigan by HMDA year"n/a" shows a year with fewer than 25 applications in the state.
Year	Applications	Loans originated	Amount	Median interest rate	Median total loan costs	Denial rate
2025	134	125	$14.6 million	n/a	n/a	3.1%
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

Official channelsLinks checked 2 Oct 2026

HMDA Data Browser (FFIEC and CFPB)The HMDA records of this lender in this state, 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 in Michigan, 2025", https://lenderregister.com/lender/254900diwcheqwz9gv45-north-central-area-credit-union/mi/
Source: Federal Financial Institutions Examination Council and Consumer Financial Protection Bureau, Home Mortgage Disclosure Act data, 2025
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. They are the records of this LEI for homes in Michigan. This site withholds a figure with fewer than 25 applications. Method of the figures. Terms. Report an error.

Questions

What share of the loans of North Central Area Credit Union were in Michigan in 2025?: 125 of its loans originated, out of 125 in all states. That is 100.0%.
In which counties of Michigan did North Central Area Credit Union originate the most loans in 2025?: The three with the most loans were Roscommon County (46) and Crawford County (25).
Which loan types did North Central Area Credit Union originate in Michigan in 2025?: All its loans in the state were of one type: 125 conventional.
What share of the applications in Michigan did North Central Area Credit Union report in 2025?: 0.0%: 134 out of 383,226 applications of all lenders in the state.