PlainLender

4FRONT CREDIT UNION

TRAVERSE CITY, MI

4FRONT CREDIT UNION processed 911 mortgage applications in 2024 per HMDA data reported to the Consumer Financial Protection Bureau (CFPB), originating 502 loans with a 6.8% denial rate. Other was the primary loan purpose. Based in TRAVERSE CITY, MI. The approval rate of 55.1% reflects originated loans as a share of all applications. Below you will find a breakdown by loan type, loan purpose, denial reasons, and demographic lending patterns as required by the Home Mortgage Disclosure Act.

Portfolio scale. 4FRONT CREDIT UNION processed 911 HMDA-reported mortgage applications in 2024, originating 502 loans and denying 62 for a denial rate of 6.8% (applicants themselves withdrew 317 files before a decision). The average loan amount was $112,267 at a 8.261% average note rate, and applicants self-reported an average income of $35,000. The lender reports under LEI 254900REWJG6071ZPT32 from TRAVERSE CITY, MI.

Why approval and denial rates diverge. Approval (origination) rate and denial rate do not sum to 100% — HMDA records several outcomes beyond approved-and-funded, including files that were approved but not accepted by the applicant, withdrawn, or closed for incompleteness. 4FRONT CREDIT UNION's 55.1% origination rate tells you how often an application turned into funded money; the 6.8% denial rate is a separate read on underwriting strictness. The most frequently cited denial reasons in this file were Other, Credit history, Debt-to-income ratio, which together explain the majority of rejections. Most activity concentrated in Conventional loans (911 applications).

How to read this page. These figures are aggregate HMDA disclosures — they describe this lender's overall 2024 book, not your individual odds. Approval and denial rates are shaped by the applicant mix a lender actually receives: credit profile, loan-to-value, debt-to-income, property type, and geography. A lower denial rate at one lender versus another does not necessarily mean easier underwriting — it often reflects borrower self-selection and loan-product specialization. This page is informational data reporting, not financial, legal, or mortgage advice. Compare multiple lenders, read your Loan Estimate carefully, and consult a licensed mortgage professional before applying. Data reflects 2024 disclosures published by the CFPB in 2025.

911
Applications
502
Originated
6.8%
Denial Rate
$112,267
Avg Loan Amount
Avg Interest Rate: 8.261% Avg Applicant Income: $35,000

Lending Activity

Type Applications Originated Denied Avg Loan
Conventional 911 502 62 $112,267

Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2023 LAR — application-level mortgage data for 4FRONT CREDIT UNION (LEI: 254900REWJG6071ZPT32) · 2023 HMDA reports filed annually; covers applications received during the calendar year. Approval rates exclude withdrawn / incomplete applications. Denial reasons are lender-reported.

Denial Analysis

Other
24
Credit history
24
Debt-to-income ratio
21
Collateral
16
Insufficient cash
4
Employment history
2
Credit application incomplete
1
Unverifiable information
1

Loan Purpose Breakdown

Purpose Applications Originated Avg Loan
Other 337 175 $88,887
Home Improvement 288 140 $70,868
Home Purchase 149 103 $198,154
Cash-out Refinancing 72 46 $177,778
Refinancing 65 38 $147,462

Geographic Coverage — Lending by Race

Derived race categories as reported under HMDA. Source: CFPB.

Race Applications Approval Rate Denial Rate
White 810 56.9% 6.4%
American Indian or Alaska Native 23 39.1% 8.7%
Joint 18 55.6% 16.7%
Asian 3 33.3% 0.0%
Black or African American 2 50.0% 50.0%

Lending by Ethnicity

Hispanic/Latino is an ethnicity, not a race. Shown separately per U.S. Census Bureau standards.

Ethnicity Applications Approval Rate Denial Rate
Not Hispanic or Latino 810 56.7% 6.5%
Hispanic or Latino 14 64.3% 21.4%
Joint 6 50.0% 16.7%

Nearby Lenders in MI

Other HMDA-reporting lenders in MI with similar activity. Compare any two side-by-side.

ROCKET MORTGAGE

DETROIT, MI

553,854 apps 361,071 originated 14.9% denied

United Wholesale Mortgage

Pontiac, MI

493,978 apps 366,078 originated 11.7% denied

Flagstar Bank NA

Troy, MI

67,778 apps 29,443 originated 18.5% denied

Lake Michigan Credit Union

Grand Rapids, MI

16,222 apps 12,245 originated 8.3% denied

Northpointe Bank

Grand Rapids, MI

9,882 apps 5,580 originated 5.5% denied
Compare 4FRONT CREDIT UNION vs ROCKET MORTGAGE →

Mortgage Lending Guides

Why Mortgages Get Denied
Common denial reasons and how to improve your chances
Comparing Mortgage Lenders
What to look for when choosing a mortgage lender
Getting the Best Mortgage Rate
Strategies for securing the lowest interest rate
Understanding HMDA Data
How to read and interpret mortgage disclosure data
Denial Rates by Demographics
Demographic patterns in mortgage approval and denial

Explore More Data

Bank Financial Data → Credit Union Data → Financial Advisor Lookup → Home Insurance Costs → Property Tax Data → Rent Price Data →

Frequently Asked Questions

How many mortgage applications did 4FRONT CREDIT UNION process?
4FRONT CREDIT UNION processed 911 mortgage applications in the 2023 HMDA reporting year. Of these, 502 were originated (approved and funded), 317 were withdrawn by the applicant, and 62 were denied.
What is 4FRONT CREDIT UNION's mortgage approval rate?
4FRONT CREDIT UNION has an approval (origination) rate of 55.1%, meaning 55.1% of all applications resulted in a funded mortgage. The denial rate is 6.8%.
What is the average loan amount at 4FRONT CREDIT UNION?
The average mortgage loan amount at 4FRONT CREDIT UNION is $112,267. The average interest rate is 8.261%. The average applicant income is $35,000.
What are the most common reasons for mortgage denial at 4FRONT CREDIT UNION?
The most common reasons for mortgage denial at 4FRONT CREDIT UNION are: Other, Credit history, Debt-to-income ratio. In total, 62 applications were denied out of 911 total applications.
What types of mortgage loans does 4FRONT CREDIT UNION offer?
4FRONT CREDIT UNION processes Conventional loans. The most common type is Conventional with 911 applications and an average loan amount of $112,267.
What loan purposes does 4FRONT CREDIT UNION serve?
4FRONT CREDIT UNION serves the following loan purposes: Other (337 applications), Home Improvement (288 applications), Home Purchase (149 applications), Cash-out Refinancing (72 applications), Refinancing (65 applications). Other is the most common purpose.
Where is 4FRONT CREDIT UNION located?
4FRONT CREDIT UNION is headquartered in TRAVERSE CITY, MI. The lender is identified by LEI 254900REWJG6071ZPT32 in HMDA data.
How does 4FRONT CREDIT UNION compare in lending across racial demographics?
4FRONT CREDIT UNION reports demographic lending data under HMDA requirements. White applicants have an approval rate of 56.9% and denial rate of 6.4%; American Indian or Alaska Native applicants have an approval rate of 39.1% and denial rate of 8.7%; Joint applicants have an approval rate of 55.6% and denial rate of 16.7%. This data reflects derived race categories as reported by applicants.

Data Sources

Data as of 2024. Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024 Snapshot.

Data from FFIEC / CFPB HMDA 2024 Snapshot National Loan-Level Dataset. Demographic data reflects derived categories as reported by applicants. Denial rates include all application outcomes. This data is provided for informational purposes only.

Read our methodology — how this data is sourced, computed, and verified.