Michigan United Credit Union in Michigan vs the state
11.3%Denial rate-7.24 pts vs state
14.1%Decision denial rate-8.51 pts vs state
65.6%Origination rate+5.66 pts vs state
4.74%Median rate-2.01 pts vs state
—Rate spread (pts)
$109kMedian applicant income
215Loans originated
37Denied
Trend in Michigan
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 171 | 120 | 18.7% | 6.49% | #201 |
| 2024 | 167 | 115 | 7.2% | 6.62% | #214 |
| 2025 | 328 | 215 | 11.3% | 4.74% | #165 |
What Michigan United Credit Union lends in Michigan
By loan purpose
By loan type
Why it denied Michigan applicants
Where in Michigan
Counties with the most Michigan United Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Oakland County | 175 | 121 | 17 | 9.7% |
| Macomb County | 59 | 39 | 9 | 15.3% |
| Wayne County | 19 | 11 | 2 | 10.5% |
| Kent County | 10 | 8 | 1 | 10.0% |
| Livingston County | 8 | 5 | 1 | 12.5% |
| St. Clair County | 8 | 5 | 2 | 25.0% |
| Ingham County | 7 | 4 | 1 | 14.3% |
| Washtenaw County | 6 | 3 | 0 | 0.0% |
| Genesee County | 6 | 2 | 1 | 16.7% |
| Lapeer County | 3 | 2 | 1 | 33.3% |
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: 328 applications in 2025, of which 215 were originated and 37 denied.
11.3% of all applications, or 14.1% of the applications it actually decided on. The Michigan statewide average across all lenders was 18.5%.
The median rate on loans Michigan United Credit Union originated in Michigan in 2025 was 4.74%, against a statewide median of 6.75%.
About this data. Figures are Michigan United 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