Directions Credit Union in Michigan vs the state
13.6%Denial rate-4.88 pts vs state
14.5%Decision denial rate-8.12 pts vs state
80.7%Origination rate+20.79 pts vs state
6.75%Median rate0.00 pts vs state
-0.20Rate spread (pts)-0.60 pts vs state
$104kMedian applicant income
142Loans originated
24Denied
Trend in Michigan
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 161 | 121 | 20.5% | 7.38% | #206 |
| 2024 | 164 | 139 | 11.6% | 7.50% | #217 |
| 2025 | 176 | 142 | 13.6% | 6.75% | #225 |
What Directions Credit Union lends in Michigan
By loan purpose
By loan type
Why it denied Michigan applicants
Where in Michigan
Counties with the most Directions Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Monroe County | 159 | 130 | 22 | 13.8% |
| Lenawee County | 6 | 5 | 0 | 0.0% |
| Hillsdale County | 2 | 2 | 0 | 0.0% |
| Branch County | 1 | 1 | 0 | 0.0% |
| Clare County | 1 | 0 | 0 | 0.0% |
| Roscommon County | 1 | 1 | 0 | 0.0% |
| Manistee County | 1 | 1 | 0 | 0.0% |
| Macomb County | 1 | 1 | 0 | 0.0% |
| Montmorency County | 1 | 1 | 0 | 0.0% |
| Washtenaw County | 1 | 0 | 0 | 0.0% |
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: 176 applications in 2025, of which 142 were originated and 24 denied.
13.6% of all applications, or 14.5% of the applications it actually decided on. The Michigan statewide average across all lenders was 18.5%.
The median rate on loans Directions Credit Union originated in Michigan in 2025 was 6.75%, against a statewide median of 6.75%.
About this data. Figures are Directions 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