Adventure Credit Union in Michigan vs the state
8.5%Denial rate-10.05 pts vs state
10.3%Decision denial rate-12.26 pts vs state
73.2%Origination rate+13.30 pts vs state
7.00%Median rate+0.25 pts vs state
0.25Rate spread (pts)-0.15 pts vs state
$90kMedian applicant income
415Loans originated
48Denied
Trend in Michigan
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 373 | 294 | 6.4% | 7.75% | #132 |
| 2024 | 419 | 316 | 5.7% | 7.75% | #134 |
| 2025 | 567 | 415 | 8.5% | 7.00% | #117 |
What Adventure Credit Union lends in Michigan
By loan purpose
By loan type
Why it denied Michigan applicants
Where in Michigan
Counties with the most Adventure Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Kent County | 253 | 196 | 13 | 5.1% |
| Ingham County | 71 | 43 | 12 | 16.9% |
| Ottawa County | 46 | 32 | 2 | 4.3% |
| Eaton County | 27 | 19 | 4 | 14.8% |
| Ionia County | 24 | 14 | 6 | 25.0% |
| Clinton County | 19 | 15 | 2 | 10.5% |
| Barry County | 17 | 13 | 1 | 5.9% |
| Newaygo County | 17 | 15 | 0 | 0.0% |
| Montcalm County | 16 | 12 | 2 | 12.5% |
| Muskegon County | 15 | 13 | 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: 567 applications in 2025, of which 415 were originated and 48 denied.
8.5% of all applications, or 10.3% of the applications it actually decided on. The Michigan statewide average across all lenders was 18.5%.
The median rate on loans Adventure Credit Union originated in Michigan in 2025 was 7.00%, against a statewide median of 6.75%.
About this data. Figures are Adventure 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