Three Rivers Federal Credit Union in Michigan vs the state
27.8%Denial rate+9.26 pts vs state
29.4%Decision denial rate+6.83 pts vs state
66.7%Origination rate+6.78 pts vs state
7.13%Median rate+0.38 pts vs state
0.63Rate spread (pts)+0.23 pts vs state
$130kMedian applicant income
12Loans originated
5Denied
Trend in Michigan
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 21 | 14 | 19.1% | 8.38% | #419 |
| 2024 | 36 | 24 | 11.1% | 7.63% | #375 |
| 2025 | 18 | 12 | 27.8% | 7.13% | #452 |
What Three Rivers Federal Credit Union lends in Michigan
By loan purpose
By loan type
Why it denied Michigan applicants
Where in Michigan
Counties with the most Three Rivers Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Branch County | 6 | 4 | 2 | 33.3% |
| Hillsdale County | 2 | 1 | 1 | 50.0% |
| Calhoun County | 2 | 1 | 0 | 0.0% |
| Macomb County | 2 | 1 | 1 | 50.0% |
| Manistee County | 1 | 1 | 0 | 0.0% |
| Ingham County | 1 | 0 | 1 | 100.0% |
| St. Joseph County | 1 | 1 | 0 | 0.0% |
| Mackinac County | 1 | 1 | 0 | 0.0% |
| Mason County | 1 | 1 | 0 | 0.0% |
| Kent 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: 18 applications in 2025, of which 12 were originated and 5 denied.
27.8% of all applications, or 29.4% of the applications it actually decided on. The Michigan statewide average across all lenders was 18.5%.
The median rate on loans Three Rivers Federal Credit Union originated in Michigan in 2025 was 7.13%, against a statewide median of 6.75%.
About this data. Figures are Three Rivers 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