Team One Credit Union in Michigan vs the state
6.0%Denial rate-12.52 pts vs state
7.6%Decision denial rate-14.95 pts vs state
72.0%Origination rate+12.11 pts vs state
6.75%Median rate0.00 pts vs state
0.35Rate spread (pts)-0.05 pts vs state
$74kMedian applicant income
108Loans originated
9Denied
Trend in Michigan
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 321 | 259 | 9.4% | 6.88% | #144 |
| 2024 | 294 | 241 | 7.1% | — | #170 |
| 2025 | 150 | 108 | 6.0% | 6.75% | #237 |
What Team One Credit Union lends in Michigan
By loan purpose
By loan type
Why it denied Michigan applicants
Where in Michigan
Counties with the most Team One Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Tuscola County | 32 | 24 | 2 | 6.3% |
| Huron County | 31 | 21 | 3 | 9.7% |
| Saginaw County | 27 | 21 | 1 | 3.7% |
| Sanilac County | 19 | 14 | 0 | 0.0% |
| Bay County | 7 | 3 | 1 | 14.3% |
| Genesee County | 7 | 4 | 1 | 14.3% |
| Oakland County | 3 | 2 | 1 | 33.3% |
| Benzie County | 3 | 2 | 0 | 0.0% |
| Leelanau County | 2 | 1 | 0 | 0.0% |
| Lapeer County | 2 | 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: 150 applications in 2025, of which 108 were originated and 9 denied.
6.0% of all applications, or 7.6% of the applications it actually decided on. The Michigan statewide average across all lenders was 18.5%.
The median rate on loans Team One Credit Union originated in Michigan in 2025 was 6.75%, against a statewide median of 6.75%.
About this data. Figures are Team One 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