Marshall Community 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 B 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%
96th0.6% deniedPricingmedian rate spread over APOR, weight 30%
12th0.98 ptsProcesswithdrawn + incomplete share, weight 15%
93rd1.2%Closing coststotal loan costs ÷ loan amount, weight 10%
50th1.90% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 325 | 296 | 0.3% | 0.3% | 7.25% | $47M |
| 2024 | 284 | 267 | 0.0% | 0.0% | 7.50% | $40M |
| 2025 | 344 | 324 | 0.6% | 0.6% | 7.13% | $52M |
What Marshall Community 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: 0 home-equity lines, 0 reverse mortgages, 16 manufactured homes, 11 investment properties.
Why Marshall Community Credit Union denies applications
Primary reason reported for each of the 2 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Marshall Community 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 | 65 | 62 | 1.6% |
| $50k – $100k | 149 | 141 | 0.0% |
| $100k – $150k | 66 | 60 | 1.5% |
| $150k – $250k | 45 | 42 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 57 | 53 | 0.0% |
| 35–44 | 78 | 71 | 1.3% |
| 45–54 | 77 | 75 | 0.0% |
| 55–64 | 57 | 53 | 0.0% |
| 65–74 | 42 | 41 | 0.0% |
Where Marshall Community Credit Union lends
1 states and 21 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Michigan | 344 | 324 | 0.6% | 7.13% | #159 |
Frequently asked questions
Marshall Community Credit Union denied 0.6% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 96th percentile of small mortgage lenders.
The most common reason Marshall Community Credit Union gave in 2025 was "credit history", cited on 100.0% 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 Marshall Community Credit Union originated in 2025 was 7.13%, and its median rate spread over the average prime offer rate was 0.98 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 28% of its applications were for home purchases, 71% for refinancing (including cash-out), and 0% 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.