Consumers Credit Union in Michigan vs the state
9.9%Denial rate-8.64 pts vs state
11.6%Decision denial rate-10.95 pts vs state
75.0%Origination rate+15.12 pts vs state
6.38%Median rate-0.38 pts vs state
0.30Rate spread (pts)-0.10 pts vs state
$101kMedian applicant income
2,929Loans originated
386Denied
Trend in Michigan
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 3,348 | 2,346 | 10.5% | 6.75% | #20 |
| 2024 | 3,539 | 2,631 | 10.9% | 6.19% | #22 |
| 2025 | 3,905 | 2,929 | 9.9% | 6.38% | #21 |
What Consumers Credit Union lends in Michigan
By loan purpose
By loan type
Why it denied Michigan applicants
Where in Michigan
Counties with the most Consumers Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Kalamazoo County | 1,107 | 873 | 74 | 6.7% |
| Kent County | 695 | 480 | 93 | 13.4% |
| Ottawa County | 383 | 281 | 54 | 14.1% |
| Van Buren County | 311 | 239 | 29 | 9.3% |
| Allegan County | 271 | 202 | 24 | 8.9% |
| Muskegon County | 147 | 111 | 16 | 10.9% |
| Calhoun County | 144 | 105 | 8 | 5.6% |
| Branch County | 94 | 71 | 16 | 17.0% |
| Barry County | 77 | 52 | 9 | 11.7% |
| Ingham County | 72 | 55 | 10 | 13.9% |
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: 3,905 applications in 2025, of which 2,929 were originated and 386 denied.
9.9% of all applications, or 11.6% of the applications it actually decided on. The Michigan statewide average across all lenders was 18.5%.
The median rate on loans Consumers Credit Union originated in Michigan in 2025 was 6.38%, against a statewide median of 6.75%.
About this data. Figures are Consumers 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