Empeople Credit Union in Michigan vs the state
36.4%Denial rate+17.84 pts vs state
47.1%Decision denial rate+24.48 pts vs state
40.9%Origination rate-18.98 pts vs state
5.75%Median rate-1.00 pts vs state
-0.21Rate spread (pts)-0.61 pts vs state
$122kMedian applicant income
9Loans originated
8Denied
Trend in Michigan
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 17 | 12 | 5.9% | 6.56% | #450 |
| 2024 | 15 | 4 | 33.3% | 6.49% | #452 |
| 2025 | 22 | 9 | 36.4% | 5.75% | #423 |
What Empeople Credit Union lends in Michigan
By loan purpose
By loan type
Why it denied Michigan applicants
Where in Michigan
Counties with the most Empeople Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Montcalm County | 3 | 0 | 3 | 100.0% |
| Kalamazoo County | 3 | 2 | 1 | 33.3% |
| Oakland County | 3 | 1 | 2 | 66.7% |
| Wayne County | 3 | 2 | 0 | 0.0% |
| Lenawee County | 1 | 1 | 0 | 0.0% |
| Berrien County | 1 | 0 | 0 | 0.0% |
| Washtenaw County | 1 | 1 | 0 | 0.0% |
| Manistee County | 1 | 0 | 0 | 0.0% |
| Allegan County | 1 | 0 | 1 | 100.0% |
| Gratiot County | 1 | 0 | 1 | 100.0% |
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: 22 applications in 2025, of which 9 were originated and 8 denied.
36.4% of all applications, or 47.1% of the applications it actually decided on. The Michigan statewide average across all lenders was 18.5%.
The median rate on loans Empeople Credit Union originated in Michigan in 2025 was 5.75%, against a statewide median of 6.75%.
About this data. Figures are Empeople 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