Community Choice in Michigan vs the state
28.8%Denial rate+10.27 pts vs state
35.8%Decision denial rate+13.26 pts vs state
51.5%Origination rate-8.35 pts vs state
7.99%Median rate+1.24 pts vs state
1.54Rate spread (pts)+1.14 pts vs state
$78kMedian applicant income
786Loans originated
439Denied
Trend in Michigan
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,276 | 893 | 16.5% | 7.50% | #55 |
| 2024 | 1,590 | 804 | 28.7% | 8.50% | #48 |
| 2025 | 1,525 | 786 | 28.8% | 7.99% | #56 |
What Community Choice lends in Michigan
By loan purpose
By loan type
Why it denied Michigan applicants
Where in Michigan
Counties with the most Community Choice applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Wayne County | 571 | 270 | 192 | 33.6% |
| Oakland County | 286 | 161 | 64 | 22.4% |
| Macomb County | 195 | 107 | 50 | 25.6% |
| Jackson County | 115 | 63 | 32 | 27.8% |
| Muskegon County | 64 | 39 | 14 | 21.9% |
| Hillsdale County | 57 | 33 | 12 | 21.1% |
| Livingston County | 43 | 26 | 7 | 16.3% |
| Ottawa County | 23 | 13 | 7 | 30.4% |
| Genesee County | 22 | 10 | 8 | 36.4% |
| Allegan County | 21 | 12 | 5 | 23.8% |
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: 1,525 applications in 2025, of which 786 were originated and 439 denied.
28.8% of all applications, or 35.8% of the applications it actually decided on. The Michigan statewide average across all lenders was 18.5%.
The median rate on loans Community Choice originated in Michigan in 2025 was 7.99%, against a statewide median of 6.75%.
About this data. Figures are Community Choice'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