CASE Credit Union at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the C grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
37th13.0% deniedPricingmedian rate spread over APOR, weight 30%
57th0.22 ptsProcesswithdrawn + incomplete share, weight 15%
22nd19.2%Closing coststotal loan costs ÷ loan amount, weight 10%
21st2.93% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 249 | 142 | 21.7% | 27.6% | 8.00% | $16M |
| 2024 | 192 | 131 | 8.9% | 11.5% | 7.25% | $20M |
| 2025 | 219 | 154 | 10.5% | 13.0% | 7.13% | $35M |
What CASE Credit Union lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 105 home-equity lines, 0 reverse mortgages, 1 manufactured homes, 36 investment properties.
Why CASE Credit Union denies applications
Primary reason reported for each of the 23 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at CASE Credit Union
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 42 | 21 | 25.0% |
| $50k – $100k | 77 | 49 | 19.7% |
| $100k – $150k | 30 | 22 | 12.0% |
| $150k – $250k | 28 | 22 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 26 | 17 | 29.2% |
| 35–44 | 28 | 19 | 20.8% |
| 45–54 | 36 | 26 | 7.1% |
| 55–64 | 35 | 23 | 11.5% |
| 65–74 | 34 | 20 | 9.1% |
Where CASE Credit Union lends
3 states and 27 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Michigan | 211 | 154 | 8.1% | 7.13% | #202 |
Frequently asked questions
CASE Credit Union denied 13.0% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 37th percentile of small mortgage lenders.
The most common reason CASE Credit Union gave in 2025 was "debt-to-income ratio", cited on 52.2% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans CASE Credit Union originated in 2025 was 7.13%, and its median rate spread over the average prime offer rate was 0.22 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 21% of its applications were for home purchases, 47% for refinancing (including cash-out), and 32% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.