Lenders › 4front Credit Union › Michigan
4front Credit Union in Michigan
HMDA record for properties in Michigan, calendar year 2024. National record · Michigan overview
HMDA data alone cannot be used 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. Cells under 25 applications are withheld.
In Michigan, 4front Credit Union reported 907 applications and 502 originations for 2024, $61m in all.
Its denial rate in the state was 10.9%, below the Michigan rate of 23.9% across all lenders and compared with the lender's national rate of 10.9%.
The median rate spread on its Michigan originations was 0.7 percentage points (state median 0.5).
Compared with the state and the lender's national record
| Measure | In Michigan | Michigan, all lenders | 4front Credit Union, all states | United States |
|---|---|---|---|---|
| Denial rate | 10.9% | 23.9% | 10.9% | 24.3% |
| Median rate spread, pp | 0.7 | 0.5 | 0.7 | 0.3 |
| Originations with spread of 1.5 pp or more | 25.8% | 18.4% | 25.8% | 15.6% |
| Average originated loan | $122k | $212k | $122k | $329k |
| Home purchase share | 20.5% | 51.2% | 20.5% | 57.0% |
| FHA-insured share | 0.0% | 10.0% | 0.0% | 13.4% |
| VA-guaranteed share | 0.0% | 4.5% | 0.0% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateMichigan, all lenders
Loan purpose and loan type in Michigan
By purpose
Home purchase 21% (103)Home improvement 28% (140)Refinancing 8% (38)Cash-out refinancing 9% (46)Other purpose 35% (175)
By type
Conventional 100% (502)
Denial reasons as coded
Share of 62 denials in Michigan by first denial reason coded (outlined bar: all lenders in the state).
Counties in Michigan
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Grand Traverse County | 163 | 92 | $14m | 6.1% |
| Antrim County | 131 | 85 | $9.2m | 6.5% |
| Charlevoix County | 122 | 71 | $9.3m | 9.0% |
| Emmet County | 79 | 38 | $5.0m | 15.6% |
| Kalkaska County | 67 | 35 | $2.6m | 28.0% |
| Chippewa County | 57 | 34 | $4.2m | 10.0% |
| Wexford County | 41 | 20 | $1.9m | — |
| Manistee County | 35 | 20 | $1.9m | — |
| Leelanau County | 32 | 18 | $2.6m | — |
| Benzie County | 31 | 17 | $1.5m | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did 4front Credit Union originate in Michigan in 2024?
502 loans totalling $61m, from 907 applications reported for properties in Michigan.
What is 4front Credit Union's denial rate in Michigan?
10.9% of decided applications in Michigan were denied, against 23.9% for all lenders in the state and 10.9% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which Michigan counties does 4front Credit Union lend in most?
By originations: Grand Traverse County (92), Antrim County (85), Charlevoix County (71), Emmet County (38), Kalkaska County (35).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Michigan. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.