Alliance Catholic Credit Union in Michigan vs the state
11.5%Denial rate-7.04 pts vs state
17.1%Decision denial rate-5.51 pts vs state
53.3%Origination rate-6.61 pts vs state
6.13%Median rate-0.63 pts vs state
-0.03Rate spread (pts)-0.43 pts vs state
$110kMedian applicant income
65Loans originated
14Denied
Trend in Michigan
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 73 | 34 | 12.3% | 7.00% | #300 |
| 2024 | 28 | 10 | 14.3% | 6.63% | #395 |
| 2025 | 122 | 65 | 11.5% | 6.13% | #249 |
What Alliance Catholic Credit Union lends in Michigan
By loan purpose
By loan type
Why it denied Michigan applicants
Where in Michigan
Counties with the most Alliance Catholic Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Oakland County | 48 | 25 | 3 | 6.3% |
| Wayne County | 34 | 17 | 8 | 23.5% |
| Macomb County | 22 | 13 | 3 | 13.6% |
| Livingston County | 3 | 2 | 0 | 0.0% |
| Washtenaw County | 2 | 2 | 0 | 0.0% |
| Calhoun County | 1 | 0 | 0 | 0.0% |
| Shiawassee County | 1 | 1 | 0 | 0.0% |
| Bay County | 1 | 0 | 0 | 0.0% |
| Sanilac County | 1 | 1 | 0 | 0.0% |
| Charlevoix County | 1 | 0 | 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: 122 applications in 2025, of which 65 were originated and 14 denied.
11.5% of all applications, or 17.1% of the applications it actually decided on. The Michigan statewide average across all lenders was 18.5%.
The median rate on loans Alliance Catholic Credit Union originated in Michigan in 2025 was 6.13%, against a statewide median of 6.75%.
About this data. Figures are Alliance Catholic 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