Dfcu Financial in Michigan vs the state
13.3%Denial rate-5.24 pts vs state
14.4%Decision denial rate-8.19 pts vs state
68.7%Origination rate+8.79 pts vs state
6.25%Median rate-0.50 pts vs state
0.10Rate spread (pts)-0.30 pts vs state
$103kMedian applicant income
2,985Loans originated
577Denied
Trend in Michigan
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 3,336 | 2,111 | 17.9% | 7.50% | #21 |
| 2024 | 3,954 | 2,538 | 16.4% | 6.63% | #20 |
| 2025 | 4,346 | 2,985 | 13.3% | 6.25% | #18 |
What Dfcu Financial lends in Michigan
By loan purpose
By loan type
Why it denied Michigan applicants
Where in Michigan
Counties with the most Dfcu Financial applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Wayne County | 2,086 | 1,390 | 318 | 15.2% |
| Oakland County | 806 | 568 | 87 | 10.8% |
| Washtenaw County | 328 | 232 | 37 | 11.3% |
| Kent County | 205 | 143 | 23 | 11.2% |
| Livingston County | 199 | 151 | 14 | 7.0% |
| Macomb County | 175 | 121 | 26 | 14.9% |
| Ingham County | 110 | 60 | 20 | 18.2% |
| Monroe County | 84 | 69 | 10 | 11.9% |
| Ottawa County | 42 | 30 | 6 | 14.3% |
| Jackson County | 29 | 21 | 3 | 10.3% |
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: 4,346 applications in 2025, of which 2,985 were originated and 577 denied.
13.3% of all applications, or 14.4% of the applications it actually decided on. The Michigan statewide average across all lenders was 18.5%.
The median rate on loans Dfcu Financial originated in Michigan in 2025 was 6.25%, against a statewide median of 6.75%.
About this data. Figures are Dfcu Financial'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