Alliant Credit Union in Michigan vs the state
38.5%Denial rate+20.01 pts vs state
42.0%Decision denial rate+19.40 pts vs state
53.3%Origination rate-6.64 pts vs state
7.75%Median rate+1.00 pts vs state
0.15Rate spread (pts)-0.25 pts vs state
$138kMedian applicant income
123Loans originated
89Denied
Trend in Michigan
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 156 | 61 | 53.2% | 9.50% | #214 |
| 2024 | 171 | 86 | 32.2% | 6.88% | #212 |
| 2025 | 231 | 123 | 38.5% | 7.75% | #193 |
What Alliant Credit Union lends in Michigan
By loan purpose
By loan type
Why it denied Michigan applicants
Where in Michigan
Counties with the most Alliant Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Oakland County | 45 | 24 | 14 | 31.1% |
| Wayne County | 31 | 15 | 15 | 48.4% |
| Macomb County | 22 | 13 | 7 | 31.8% |
| Washtenaw County | 13 | 6 | 7 | 53.8% |
| Kent County | 9 | 6 | 3 | 33.3% |
| Livingston County | 9 | 6 | 2 | 22.2% |
| Genesee County | 8 | 5 | 3 | 37.5% |
| Allegan County | 7 | 2 | 5 | 71.4% |
| Grand Traverse County | 7 | 2 | 5 | 71.4% |
| Ottawa County | 6 | 3 | 1 | 16.7% |
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: 231 applications in 2025, of which 123 were originated and 89 denied.
38.5% of all applications, or 42.0% of the applications it actually decided on. The Michigan statewide average across all lenders was 18.5%.
The median rate on loans Alliant Credit Union originated in Michigan in 2025 was 7.75%, against a statewide median of 6.75%.
About this data. Figures are Alliant 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