Credit Human Federal Credit Union in Michigan vs the state
68.1%Denial rate+49.55 pts vs state
68.5%Decision denial rate+45.90 pts vs state
10.8%Origination rate-49.05 pts vs state
8.60%Median rate+1.85 pts vs state
2.56Rate spread (pts)+2.16 pts vs state
$59kMedian applicant income
18Loans originated
113Denied
Trend in Michigan
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 214 | 23 | 76.2% | 7.80% | #171 |
| 2024 | 304 | 33 | 69.1% | 8.60% | #159 |
| 2025 | 166 | 18 | 68.1% | 8.60% | #231 |
What Credit Human Federal Credit Union lends in Michigan
By loan purpose
By loan type
Why it denied Michigan applicants
Where in Michigan
Counties with the most Credit Human Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Wayne County | 63 | 5 | 51 | 81.0% |
| Livingston County | 23 | 3 | 17 | 73.9% |
| Oakland County | 21 | 2 | 10 | 47.6% |
| Macomb County | 8 | 2 | 6 | 75.0% |
| Washtenaw County | 7 | 0 | 5 | 71.4% |
| St. Clair County | 7 | 2 | 1 | 14.3% |
| Muskegon County | 6 | 1 | 5 | 83.3% |
| Bay County | 6 | 0 | 4 | 66.7% |
| Lenawee County | 5 | 0 | 4 | 80.0% |
| Lapeer County | 3 | 0 | 2 | 66.7% |
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: 166 applications in 2025, of which 18 were originated and 113 denied.
68.1% of all applications, or 68.5% of the applications it actually decided on. The Michigan statewide average across all lenders was 18.5%.
The median rate on loans Credit Human Federal Credit Union originated in Michigan in 2025 was 8.60%, against a statewide median of 6.75%.
About this data. Figures are Credit Human 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