Vibe Credit Union in Michigan vs the state
8.4%Denial rate-10.14 pts vs state
9.3%Decision denial rate-13.33 pts vs state
81.4%Origination rate+21.47 pts vs state
6.50%Median rate-0.25 pts vs state
5.49Rate spread (pts)+5.09 pts vs state
$90kMedian applicant income
563Loans originated
58Denied
Trend in Michigan
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,005 | 727 | 8.4% | 6.50% | #70 |
| 2024 | 1,137 | 930 | 8.4% | 6.75% | #66 |
| 2025 | 692 | 563 | 8.4% | 6.50% | #103 |
What Vibe Credit Union lends in Michigan
By loan purpose
By loan type
Why it denied Michigan applicants
Where in Michigan
Counties with the most Vibe Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Oakland County | 386 | 318 | 28 | 7.3% |
| Wayne County | 132 | 98 | 20 | 15.2% |
| Macomb County | 55 | 48 | 2 | 3.6% |
| Livingston County | 26 | 24 | 0 | 0.0% |
| Genesee County | 25 | 23 | 0 | 0.0% |
| Lapeer County | 12 | 12 | 0 | 0.0% |
| Washtenaw County | 9 | 6 | 1 | 11.1% |
| St. Clair County | 5 | 3 | 2 | 40.0% |
| Clare County | 4 | 4 | 0 | 0.0% |
| Shiawassee County | 4 | 4 | 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: 692 applications in 2025, of which 563 were originated and 58 denied.
8.4% of all applications, or 9.3% of the applications it actually decided on. The Michigan statewide average across all lenders was 18.5%.
The median rate on loans Vibe Credit Union originated in Michigan in 2025 was 6.50%, against a statewide median of 6.75%.
About this data. Figures are Vibe 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