United Federal Credit Union in Michigan vs the state
18.9%Denial rate+0.36 pts vs state
21.8%Decision denial rate-0.80 pts vs state
64.3%Origination rate+4.38 pts vs state
7.05%Median rate+0.30 pts vs state
0.49Rate spread (pts)+0.09 pts vs state
$90kMedian applicant income
1,072Loans originated
315Denied
Trend in Michigan
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,515 | 962 | 20.3% | 7.60% | #46 |
| 2024 | 1,580 | 1,002 | 22.5% | 8.00% | #50 |
| 2025 | 1,668 | 1,072 | 18.9% | 7.05% | #52 |
What United Federal Credit Union lends in Michigan
By loan purpose
By loan type
Why it denied Michigan applicants
Where in Michigan
Counties with the most United Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Berrien County | 1,034 | 683 | 192 | 18.6% |
| Ottawa County | 186 | 112 | 38 | 20.4% |
| Cass County | 113 | 70 | 22 | 19.5% |
| Allegan County | 67 | 46 | 12 | 17.9% |
| Kent County | 57 | 36 | 8 | 14.0% |
| Van Buren County | 56 | 37 | 10 | 17.9% |
| Kalamazoo County | 30 | 18 | 5 | 16.7% |
| Calhoun County | 20 | 9 | 7 | 35.0% |
| Muskegon County | 9 | 8 | 1 | 11.1% |
| St. Joseph County | 7 | 4 | 1 | 14.3% |
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: 1,668 applications in 2025, of which 1,072 were originated and 315 denied.
18.9% of all applications, or 21.8% of the applications it actually decided on. The Michigan statewide average across all lenders was 18.5%.
The median rate on loans United Federal Credit Union originated in Michigan in 2025 was 7.05%, against a statewide median of 6.75%.
About this data. Figures are United 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