Everwise Credit Union in Michigan vs the state
24.2%Denial rate+5.63 pts vs state
29.1%Decision denial rate+6.49 pts vs state
58.5%Origination rate-1.44 pts vs state
7.50%Median rate+0.75 pts vs state
0.29Rate spread (pts)-0.11 pts vs state
$82kMedian applicant income
121Loans originated
50Denied
Trend in Michigan
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 188 | 110 | 20.2% | 7.50% | #185 |
| 2024 | 199 | 133 | 14.6% | 7.88% | #192 |
| 2025 | 207 | 121 | 24.2% | 7.50% | #204 |
What Everwise Credit Union lends in Michigan
By loan purpose
By loan type
Why it denied Michigan applicants
Where in Michigan
Counties with the most Everwise Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Berrien County | 100 | 57 | 27 | 27.0% |
| Cass County | 77 | 47 | 15 | 19.5% |
| St. Joseph County | 10 | 6 | 2 | 20.0% |
| Van Buren County | 4 | 2 | 1 | 25.0% |
| Kalamazoo County | 2 | 2 | 0 | 0.0% |
| Livingston County | 2 | 1 | 0 | 0.0% |
| Ionia County | 1 | 0 | 1 | 100.0% |
| Calhoun County | 1 | 1 | 0 | 0.0% |
| Lapeer County | 1 | 0 | 0 | 0.0% |
| Macomb 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: 207 applications in 2025, of which 121 were originated and 50 denied.
24.2% of all applications, or 29.1% of the applications it actually decided on. The Michigan statewide average across all lenders was 18.5%.
The median rate on loans Everwise Credit Union originated in Michigan in 2025 was 7.50%, against a statewide median of 6.75%.
About this data. Figures are Everwise 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