Credit Union One in Michigan vs the state
26.4%Denial rate+7.85 pts vs state
29.5%Decision denial rate+6.96 pts vs state
55.4%Origination rate-4.51 pts vs state
7.99%Median rate+1.24 pts vs state
0.88Rate spread (pts)+0.48 pts vs state
$99kMedian applicant income
1,833Loans originated
873Denied
Trend in Michigan
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 3,273 | 2,034 | 23.0% | 7.74% | #22 |
| 2024 | 3,262 | 1,859 | 28.4% | 8.49% | #25 |
| 2025 | 3,310 | 1,833 | 26.4% | 7.99% | #27 |
What Credit Union One lends in Michigan
By loan purpose
By loan type
Why it denied Michigan applicants
Where in Michigan
Counties with the most Credit Union One applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Oakland County | 822 | 478 | 210 | 25.5% |
| Wayne County | 647 | 280 | 245 | 37.9% |
| Macomb County | 600 | 323 | 168 | 28.0% |
| Grand Traverse County | 147 | 101 | 21 | 14.3% |
| Genesee County | 133 | 64 | 45 | 33.8% |
| Kent County | 115 | 73 | 24 | 20.9% |
| Washtenaw County | 109 | 65 | 20 | 18.3% |
| Livingston County | 82 | 50 | 18 | 22.0% |
| St. Clair County | 49 | 32 | 10 | 20.4% |
| Saginaw County | 47 | 31 | 5 | 10.6% |
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: 3,310 applications in 2025, of which 1,833 were originated and 873 denied.
26.4% of all applications, or 29.5% of the applications it actually decided on. The Michigan statewide average across all lenders was 18.5%.
The median rate on loans Credit Union One originated in Michigan in 2025 was 7.99%, against a statewide median of 6.75%.
About this data. Figures are Credit Union One'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