ADVANTAGE ONE Credit Union in Michigan vs the state
15.0%Denial rate-3.55 pts vs state
15.8%Decision denial rate-6.81 pts vs state
75.2%Origination rate+15.26 pts vs state
7.50%Median rate+0.75 pts vs state
1.58Rate spread (pts)+1.18 pts vs state
$84kMedian applicant income
251Loans originated
50Denied
Trend in Michigan
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 327 | 228 | 18.7% | 7.74% | #138 |
| 2024 | 307 | 216 | 15.3% | 8.00% | #158 |
| 2025 | 334 | 251 | 15.0% | 7.50% | #164 |
What ADVANTAGE ONE Credit Union lends in Michigan
By loan purpose
By loan type
Why it denied Michigan applicants
Where in Michigan
Counties with the most ADVANTAGE ONE Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Wayne County | 237 | 217 | 5 | 2.1% |
| Monroe County | 20 | 18 | 1 | 5.0% |
| Macomb County | 3 | 2 | 1 | 33.3% |
| Washtenaw County | 3 | 3 | 0 | 0.0% |
| Livingston County | 2 | 2 | 0 | 0.0% |
| Clare County | 1 | 1 | 0 | 0.0% |
| Mecosta County | 1 | 0 | 1 | 100.0% |
| Ogemaw County | 1 | 1 | 0 | 0.0% |
| Roscommon County | 1 | 0 | 0 | 0.0% |
| Otsego County | 1 | 1 | 0 | 0.0% |
Other large lenders in Michigan
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 30,644 | 16.3% | 6.75% |
| United Shore Financial Services | B | 29,330 | 11.7% | 6.60% |
| The Huntington National Bank | D | 20,047 | 30.0% | 7.49% |
| Lake Michigan Credit Union | A | 16,662 | 5.6% | 6.75% |
| Fifth Third Bank | D | 11,176 | 26.4% | 7.50% |
| 21st Mortgage | F | 7,424 | 53.4% | 11.04% |
| Citizens Bank | C | 6,592 | 29.0% | 7.65% |
| Triad Financial Services | D | 6,426 | 56.1% | 8.49% |
| Union Home Mortgage | B | 5,303 | 4.3% | 6.75% |
| PNC Bank | D | 5,161 | 26.3% | 7.36% |
Frequently asked questions
Michigan: 334 applications in 2025, of which 251 were originated and 50 denied.
15.0% of all applications, or 15.8% of the applications it actually decided on. The Michigan statewide average across all lenders was 18.5%.
The median rate on loans ADVANTAGE ONE Credit Union originated in Michigan in 2025 was 7.50%, against a statewide median of 6.75%.
About this data. Figures are ADVANTAGE ONE Credit Union's own HMDA filing for properties located in Michigan, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology