UNITED FINANCIAL Credit Union in Michigan vs the state
9.0%Denial rate-9.54 pts vs state
11.8%Decision denial rate-10.77 pts vs state
66.5%Origination rate+6.58 pts vs state
6.50%Median rate-0.25 pts vs state
0.59Rate spread (pts)+0.19 pts vs state
$92kMedian applicant income
111Loans originated
15Denied
Trend in Michigan
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 208 | 129 | 6.7% | 7.00% | #173 |
| 2024 | 143 | 98 | 7.7% | 6.75% | #231 |
| 2025 | 167 | 111 | 9.0% | 6.50% | #226 |
What UNITED FINANCIAL Credit Union lends in Michigan
By loan purpose
By loan type
Why it denied Michigan applicants
Where in Michigan
Counties with the most UNITED FINANCIAL Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Saginaw County | 96 | 59 | 11 | 11.5% |
| Bay County | 30 | 23 | 2 | 6.7% |
| Midland County | 10 | 7 | 0 | 0.0% |
| Genesee County | 5 | 4 | 0 | 0.0% |
| Tuscola County | 5 | 3 | 0 | 0.0% |
| Wayne County | 3 | 2 | 1 | 33.3% |
| Shiawassee County | 2 | 1 | 0 | 0.0% |
| Roscommon County | 2 | 2 | 0 | 0.0% |
| Gladwin County | 2 | 2 | 0 | 0.0% |
| Ingham County | 2 | 2 | 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: 167 applications in 2025, of which 111 were originated and 15 denied.
9.0% of all applications, or 11.8% of the applications it actually decided on. The Michigan statewide average across all lenders was 18.5%.
The median rate on loans UNITED FINANCIAL Credit Union originated in Michigan in 2025 was 6.50%, against a statewide median of 6.75%.
About this data. Figures are UNITED FINANCIAL 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