SUN Federal Credit Union in Michigan vs the state
3.6%Denial rate-14.95 pts vs state
4.0%Decision denial rate-18.58 pts vs state
85.7%Origination rate+25.82 pts vs state
7.19%Median rate+0.44 pts vs state
1.15Rate spread (pts)+0.75 pts vs state
$108kMedian applicant income
24Loans originated
1Denied
Trend in Michigan
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 46 | 29 | 15.2% | 7.75% | #343 |
| 2024 | 29 | 22 | 3.5% | 7.13% | #391 |
| 2025 | 28 | 24 | 3.6% | 7.19% | #397 |
What SUN Federal Credit Union lends in Michigan
By loan purpose
By loan type
Why it denied Michigan applicants
Where in Michigan
Counties with the most SUN Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Monroe County | 16 | 14 | 0 | 0.0% |
| Lenawee County | 4 | 3 | 0 | 0.0% |
| Hillsdale County | 2 | 2 | 0 | 0.0% |
| Washtenaw County | 1 | 1 | 0 | 0.0% |
| Oakland County | 1 | 1 | 0 | 0.0% |
| Crawford County | 1 | 1 | 0 | 0.0% |
| Macomb County | 1 | 1 | 0 | 0.0% |
| Branch County | 1 | 1 | 0 | 0.0% |
| Genesee 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: 28 applications in 2025, of which 24 were originated and 1 denied.
3.6% of all applications, or 4.0% of the applications it actually decided on. The Michigan statewide average across all lenders was 18.5%.
The median rate on loans SUN Federal Credit Union originated in Michigan in 2025 was 7.19%, against a statewide median of 6.75%.
About this data. Figures are SUN 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