Gerber Federal Credit Union in Michigan vs the state
13.7%Denial rate-4.83 pts vs state
16.2%Decision denial rate-6.36 pts vs state
70.7%Origination rate+10.83 pts vs state
—Median rate
—Rate spread (pts)
$73kMedian applicant income
186Loans originated
36Denied
Trend in Michigan
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 191 | 139 | 9.4% | — | #184 |
| 2024 | 225 | 157 | 11.1% | — | #185 |
| 2025 | 263 | 186 | 13.7% | — | #188 |
What Gerber Federal Credit Union lends in Michigan
By loan purpose
By loan type
Where in Michigan
Counties with the most Gerber Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Newaygo County | 202 | 139 | 29 | 14.4% |
| Oceana County | 22 | 18 | 2 | 9.1% |
| Muskegon County | 20 | 13 | 4 | 20.0% |
| Montcalm County | 5 | 4 | 0 | 0.0% |
| Kent County | 4 | 4 | 0 | 0.0% |
| Mecosta County | 3 | 1 | 1 | 33.3% |
| Lake County | 2 | 2 | 0 | 0.0% |
| Kalkaska County | 1 | 1 | 0 | 0.0% |
| Isabella County | 1 | 1 | 0 | 0.0% |
| Mason County | 1 | 1 | 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: 263 applications in 2025, of which 186 were originated and 36 denied.
13.7% of all applications, or 16.2% of the applications it actually decided on. The Michigan statewide average across all lenders was 18.5%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are Gerber Federal 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