Notre Dame Federal Credit Union in Michigan vs the state
23.6%Denial rate+5.10 pts vs state
25.9%Decision denial rate+3.28 pts vs state
66.1%Origination rate+6.25 pts vs state
7.00%Median rate+0.25 pts vs state
0.30Rate spread (pts)-0.10 pts vs state
$105kMedian applicant income
84Loans originated
30Denied
Trend in Michigan
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 140 | 99 | 15.0% | 6.88% | #228 |
| 2024 | 116 | 85 | 15.5% | 7.63% | #253 |
| 2025 | 127 | 84 | 23.6% | 7.00% | #247 |
What Notre Dame Federal Credit Union lends in Michigan
By loan purpose
By loan type
Why it denied Michigan applicants
Where in Michigan
Counties with the most Notre Dame Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cass County | 58 | 39 | 15 | 25.9% |
| Berrien County | 55 | 37 | 12 | 21.8% |
| Kalamazoo County | 4 | 2 | 1 | 25.0% |
| Ingham County | 3 | 2 | 1 | 33.3% |
| Eaton County | 2 | 0 | 0 | 0.0% |
| Branch County | 1 | 1 | 0 | 0.0% |
| Washtenaw County | 1 | 1 | 0 | 0.0% |
| Calhoun County | 1 | 1 | 0 | 0.0% |
| Montcalm County | 1 | 1 | 0 | 0.0% |
| Van Buren County | 1 | 0 | 1 | 100.0% |
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: 127 applications in 2025, of which 84 were originated and 30 denied.
23.6% of all applications, or 25.9% of the applications it actually decided on. The Michigan statewide average across all lenders was 18.5%.
The median rate on loans Notre Dame Federal Credit Union originated in Michigan in 2025 was 7.00%, against a statewide median of 6.75%.
About this data. Figures are Notre Dame 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