MEMBERS FIRST Credit Union in Michigan vs the state
23.8%Denial rate+5.28 pts vs state
29.2%Decision denial rate+6.60 pts vs state
57.8%Origination rate-2.14 pts vs state
6.63%Median rate-0.13 pts vs state
0.21Rate spread (pts)-0.19 pts vs state
$65kMedian applicant income
216Loans originated
89Denied
Trend in Michigan
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 410 | 176 | 39.3% | 8.75% | #123 |
| 2024 | 422 | 241 | 23.5% | 8.50% | #133 |
| 2025 | 374 | 216 | 23.8% | 6.63% | #150 |
What MEMBERS FIRST Credit Union lends in Michigan
By loan purpose
By loan type
Why it denied Michigan applicants
Where in Michigan
Counties with the most MEMBERS FIRST Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Clare County | 95 | 52 | 22 | 23.2% |
| Midland County | 78 | 48 | 18 | 23.1% |
| Isabella County | 45 | 24 | 12 | 26.7% |
| Gladwin County | 43 | 21 | 14 | 32.6% |
| Saginaw County | 24 | 17 | 3 | 12.5% |
| Osceola County | 19 | 8 | 8 | 42.1% |
| Bay County | 17 | 13 | 3 | 17.6% |
| Kent County | 11 | 8 | 1 | 9.1% |
| Mecosta County | 6 | 4 | 2 | 33.3% |
| Allegan County | 4 | 2 | 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: 374 applications in 2025, of which 216 were originated and 89 denied.
23.8% of all applications, or 29.2% of the applications it actually decided on. The Michigan statewide average across all lenders was 18.5%.
The median rate on loans MEMBERS FIRST Credit Union originated in Michigan in 2025 was 6.63%, against a statewide median of 6.75%.
About this data. Figures are MEMBERS FIRST 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