AMERICA FIRST Federal Credit Union in Michigan vs the state
100.0%Denial rate+81.48 pts vs state
100.0%Decision denial rate+77.42 pts vs state
0.0%Origination rate-59.89 pts vs state
—Median rate
—Rate spread (pts)
$58kMedian applicant income
0Loans originated
5Denied
Trend in Michigan
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 6 | 0 | 100.0% | — | #570 |
| 2025 | 5 | 0 | 100.0% | — | #606 |
What AMERICA FIRST Federal Credit Union lends in Michigan
By loan purpose
By loan type
Why it denied Michigan applicants
Where in Michigan
Counties with the most AMERICA FIRST Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Grand Traverse County | 2 | 0 | 2 | 100.0% |
| Wayne County | 1 | 0 | 1 | 100.0% |
| Genesee County | 1 | 0 | 1 | 100.0% |
| Montcalm County | 1 | 0 | 1 | 100.0% |
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: 5 applications in 2025, of which 0 were originated and 5 denied.
100.0% of all applications, or 100.0% of the applications it actually decided on. The Michigan statewide average across all lenders was 18.5%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are AMERICA FIRST Federal 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