Lake Huron Credit Union in Michigan vs the state
27.3%Denial rate+8.75 pts vs state
28.1%Decision denial rate+5.55 pts vs state
69.7%Origination rate+9.81 pts vs state
6.50%Median rate-0.25 pts vs state
0.85Rate spread (pts)+0.45 pts vs state
$72kMedian applicant income
46Loans originated
18Denied
Trend in Michigan
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 66 | 47 | 28.8% | 7.00% | #312 |
| 2024 | 58 | 42 | 20.7% | 7.25% | #333 |
| 2025 | 66 | 46 | 27.3% | 6.50% | #323 |
What Lake Huron Credit Union lends in Michigan
By loan purpose
By loan type
Why it denied Michigan applicants
Where in Michigan
Counties with the most Lake Huron Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Saginaw County | 48 | 34 | 12 | 25.0% |
| Bay County | 10 | 6 | 4 | 40.0% |
| Midland County | 2 | 1 | 1 | 50.0% |
| Shiawassee County | 2 | 1 | 1 | 50.0% |
| Iosco County | 1 | 1 | 0 | 0.0% |
| Clinton County | 1 | 1 | 0 | 0.0% |
| Gratiot County | 1 | 1 | 0 | 0.0% |
| Baraga 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: 66 applications in 2025, of which 46 were originated and 18 denied.
27.3% of all applications, or 28.1% of the applications it actually decided on. The Michigan statewide average across all lenders was 18.5%.
The median rate on loans Lake Huron Credit Union originated in Michigan in 2025 was 6.50%, against a statewide median of 6.75%.
About this data. Figures are Lake Huron 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