Christian Financial Credit Union in Michigan vs the state
30.4%Denial rate+11.89 pts vs state
36.2%Decision denial rate+13.64 pts vs state
53.5%Origination rate-6.36 pts vs state
6.00%Median rate-0.75 pts vs state
-0.87Rate spread (pts)-1.26 pts vs state
$88kMedian applicant income
250Loans originated
142Denied
Trend in Michigan
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 541 | 296 | 30.7% | 6.75% | #102 |
| 2024 | 440 | 197 | 38.6% | 7.50% | #129 |
| 2025 | 467 | 250 | 30.4% | 6.00% | #133 |
What Christian Financial Credit Union lends in Michigan
By loan purpose
By loan type
Why it denied Michigan applicants
Where in Michigan
Counties with the most Christian Financial Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Macomb County | 321 | 175 | 99 | 30.8% |
| Wayne County | 76 | 31 | 35 | 46.1% |
| Oakland County | 32 | 22 | 4 | 12.5% |
| St. Clair County | 23 | 15 | 3 | 13.0% |
| Mecosta County | 3 | 0 | 1 | 33.3% |
| Washtenaw County | 2 | 2 | 0 | 0.0% |
| Genesee County | 2 | 1 | 0 | 0.0% |
| Sanilac County | 2 | 1 | 0 | 0.0% |
| Otsego County | 1 | 0 | 0 | 0.0% |
| Lapeer 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: 467 applications in 2025, of which 250 were originated and 142 denied.
30.4% of all applications, or 36.2% of the applications it actually decided on. The Michigan statewide average across all lenders was 18.5%.
The median rate on loans Christian Financial Credit Union originated in Michigan in 2025 was 6.00%, against a statewide median of 6.75%.
About this data. Figures are Christian Financial 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