Interra Credit Union in Michigan vs the state
16.1%Denial rate-2.45 pts vs state
18.4%Decision denial rate-4.21 pts vs state
67.9%Origination rate+7.97 pts vs state
7.25%Median rate+0.50 pts vs state
0.25Rate spread (pts)-0.15 pts vs state
$92kMedian applicant income
38Loans originated
9Denied
Trend in Michigan
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 41 | 31 | 14.6% | 7.13% | #350 |
| 2024 | 66 | 48 | 16.7% | 7.88% | #320 |
| 2025 | 56 | 38 | 16.1% | 7.25% | #337 |
What Interra Credit Union lends in Michigan
By loan purpose
By loan type
Why it denied Michigan applicants
Where in Michigan
Counties with the most Interra Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| St. Joseph County | 27 | 19 | 5 | 18.5% |
| Cass County | 21 | 13 | 4 | 19.0% |
| Benzie County | 2 | 2 | 0 | 0.0% |
| Wexford County | 1 | 1 | 0 | 0.0% |
| Oceana County | 1 | 1 | 0 | 0.0% |
| Branch County | 1 | 0 | 0 | 0.0% |
| Berrien County | 1 | 0 | 0 | 0.0% |
| Calhoun County | 1 | 1 | 0 | 0.0% |
| Macomb 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: 56 applications in 2025, of which 38 were originated and 9 denied.
16.1% of all applications, or 18.4% of the applications it actually decided on. The Michigan statewide average across all lenders was 18.5%.
The median rate on loans Interra Credit Union originated in Michigan in 2025 was 7.25%, against a statewide median of 6.75%.
About this data. Figures are Interra 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