MICHIGAN ONE COMMUNITY Credit Union in Michigan vs the state
7.8%Denial rate-10.68 pts vs state
8.3%Decision denial rate-14.33 pts vs state
85.3%Origination rate+25.40 pts vs state
7.13%Median rate+0.38 pts vs state
0.88Rate spread (pts)+0.48 pts vs state
$72kMedian applicant income
87Loans originated
8Denied
Trend in Michigan
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 124 | 101 | 13.7% | 7.38% | #242 |
| 2024 | 106 | 89 | 8.5% | 7.74% | #263 |
| 2025 | 102 | 87 | 7.8% | 7.13% | #272 |
What MICHIGAN ONE COMMUNITY Credit Union lends in Michigan
By loan purpose
By loan type
Why it denied Michigan applicants
Where in Michigan
Counties with the most MICHIGAN ONE COMMUNITY Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Montcalm County | 42 | 34 | 5 | 11.9% |
| Ionia County | 18 | 17 | 1 | 5.6% |
| Gratiot County | 16 | 12 | 2 | 12.5% |
| Kent County | 9 | 8 | 0 | 0.0% |
| Mecosta County | 2 | 2 | 0 | 0.0% |
| Barry County | 2 | 2 | 0 | 0.0% |
| Presque Isle County | 1 | 1 | 0 | 0.0% |
| Grand Traverse County | 1 | 1 | 0 | 0.0% |
| Lake County | 1 | 1 | 0 | 0.0% |
| Delta 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: 102 applications in 2025, of which 87 were originated and 8 denied.
7.8% of all applications, or 8.3% of the applications it actually decided on. The Michigan statewide average across all lenders was 18.5%.
The median rate on loans MICHIGAN ONE COMMUNITY Credit Union originated in Michigan in 2025 was 7.13%, against a statewide median of 6.75%.
About this data. Figures are MICHIGAN ONE COMMUNITY 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