Sunrise Family Credit Union in Michigan vs the state
3.1%Denial rate-15.39 pts vs state
3.2%Decision denial rate-19.41 pts vs state
95.3%Origination rate+35.42 pts vs state
5.75%Median rate-1.00 pts vs state
-0.13Rate spread (pts)-0.53 pts vs state
$79kMedian applicant income
61Loans originated
2Denied
Trend in Michigan
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 52 | 52 | 0.0% | 7.25% | #330 |
| 2024 | 52 | 51 | 1.9% | 6.75% | #344 |
| 2025 | 64 | 61 | 3.1% | 5.75% | #327 |
What Sunrise Family Credit Union lends in Michigan
By loan purpose
By loan type
Why it denied Michigan applicants
Where in Michigan
Counties with the most Sunrise Family Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Bay County | 39 | 36 | 2 | 5.1% |
| Arenac County | 11 | 11 | 0 | 0.0% |
| Midland County | 4 | 4 | 0 | 0.0% |
| Saginaw County | 4 | 4 | 0 | 0.0% |
| Roscommon County | 1 | 1 | 0 | 0.0% |
| Berrien County | 1 | 1 | 0 | 0.0% |
| Tuscola County | 1 | 1 | 0 | 0.0% |
| Genesee County | 1 | 1 | 0 | 0.0% |
| Gladwin County | 1 | 1 | 0 | 0.0% |
| Macomb 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: 64 applications in 2025, of which 61 were originated and 2 denied.
3.1% of all applications, or 3.2% of the applications it actually decided on. The Michigan statewide average across all lenders was 18.5%.
The median rate on loans Sunrise Family Credit Union originated in Michigan in 2025 was 5.75%, against a statewide median of 6.75%.
About this data. Figures are Sunrise Family 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