# MICHIGAN ONE COMMUNITY Credit Union

> **Canonical URL:** https://saferate.com/lenders/michigan-one-community-credit-union


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


MICHIGAN ONE COMMUNITY Credit Union is a credit union, headquartered in Ionia, MI, with 45 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 63% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 64% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300PV90PV65OLDL82
- **Headquarters:** Ionia, MI
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** MI
- **Markets (MSAs):** 1
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 37/100
- Rating: ●●○○○ (2/5)

### Pull Through: Acceptable 🙂
- Score: 36/100
- Rating: ●●○○○ (2/5)

### Pricing Details
- **Average Rate Spread:** +0.519%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,758
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 45
- **Dollar Volume:** $7 million
- **Applications Received:** 45
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $163,222
- **Average Borrower Income:** $81,778
- **Average Property Value:** $268,333

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 26/100 | 45 | +0.519% | $2,758 | Acceptable 🙂 |

### Product Performance by Purpose

**Conventional:**
- Refinance: 32 loans, Score: 46/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 18/100 | 13 | $3M | +0.444% | Mediocre 😐 |
| Refinance | 44/100 | 32 | $5M | +0.568% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| MI | 45 | 0.04% | 62/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Grand Rapids | MI | 35 | 62/100 |

## Where This Lender Ranks

MICHIGAN ONE COMMUNITY Credit Union appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#9** in Grand Rapids Credit Unions
  - [View Full Rankings](https://saferate.com/grand-rapids/best-mortgage-lenders/credit-unions)
- 🏆 **#9** in Grand Rapids for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/grand-rapids/best-mortgage-lenders/credit-unions/conventional-loans)

## Frequently Asked Questions

### What loan types does MICHIGAN ONE COMMUNITY Credit Union offer?

MICHIGAN ONE COMMUNITY Credit Union offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does MICHIGAN ONE COMMUNITY Credit Union offer mortgages?

MICHIGAN ONE COMMUNITY Credit Union offers mortgages in 1 states: MI.

### How competitive are MICHIGAN ONE COMMUNITY Credit Union's mortgage rates?

MICHIGAN ONE COMMUNITY Credit Union has a pricing score of 37/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.519% above market average.

### What type of lender is MICHIGAN ONE COMMUNITY Credit Union?

MICHIGAN ONE COMMUNITY Credit Union is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Ionia, MI.

### What is MICHIGAN ONE COMMUNITY Credit Union's loan approval success rate?

MICHIGAN ONE COMMUNITY Credit Union has a pull-through score of 36/100 (Acceptable). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/michigan-one-community-credit-union

### How to Cite

> "MICHIGAN ONE COMMUNITY Credit Union Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/michigan-one-community-credit-union

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