MICHIGAN STATE UNIVERSITY Federal Credit Union in Michigan vs the state
17.7%Denial rate-0.85 pts vs state
20.9%Decision denial rate-1.73 pts vs state
58.2%Origination rate-1.69 pts vs state
7.50%Median rate+0.75 pts vs state
0.31Rate spread (pts)-0.09 pts vs state
$106kMedian applicant income
2,552Loans originated
775Denied
Trend in Michigan
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 4,334 | 2,657 | 9.8% | 8.00% | #13 |
| 2024 | 3,791 | 2,363 | 17.8% | 8.50% | #21 |
| 2025 | 4,385 | 2,552 | 17.7% | 7.50% | #17 |
What MICHIGAN STATE UNIVERSITY Federal Credit Union lends in Michigan
By loan purpose
By loan type
Why it denied Michigan applicants
Where in Michigan
Counties with the most MICHIGAN STATE UNIVERSITY Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Ingham County | 1,157 | 742 | 221 | 19.1% |
| Oakland County | 506 | 340 | 91 | 18.0% |
| Eaton County | 431 | 277 | 81 | 18.8% |
| Clinton County | 336 | 237 | 54 | 16.1% |
| Wayne County | 173 | 75 | 62 | 35.8% |
| Kent County | 126 | 81 | 28 | 22.2% |
| Macomb County | 115 | 62 | 32 | 27.8% |
| Livingston County | 114 | 80 | 16 | 14.0% |
| Shiawassee County | 103 | 68 | 23 | 22.3% |
| Grand Traverse County | 100 | 64 | 18 | 18.0% |
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: 4,385 applications in 2025, of which 2,552 were originated and 775 denied.
17.7% of all applications, or 20.9% of the applications it actually decided on. The Michigan statewide average across all lenders was 18.5%.
The median rate on loans MICHIGAN STATE UNIVERSITY Federal Credit Union originated in Michigan in 2025 was 7.50%, against a statewide median of 6.75%.
About this data. Figures are MICHIGAN STATE UNIVERSITY 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