West Michigan Credit Union in Michigan vs the state
33.0%Denial rate+14.48 pts vs state
33.7%Decision denial rate+11.09 pts vs state
54.0%Origination rate-5.89 pts vs state
7.25%Median rate+0.50 pts vs state
1.51Rate spread (pts)+1.11 pts vs state
$72kMedian applicant income
108Loans originated
66Denied
Trend in Michigan
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 164 | 77 | 29.9% | 7.25% | #204 |
| 2024 | 140 | 60 | 39.3% | 7.75% | #234 |
| 2025 | 200 | 108 | 33.0% | 7.25% | #209 |
What West Michigan Credit Union lends in Michigan
By loan purpose
By loan type
Why it denied Michigan applicants
Where in Michigan
Counties with the most West Michigan Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Kent County | 66 | 43 | 17 | 25.8% |
| Mecosta County | 43 | 27 | 12 | 27.9% |
| Ottawa County | 23 | 12 | 9 | 39.1% |
| Osceola County | 17 | 6 | 8 | 47.1% |
| Lake County | 10 | 3 | 6 | 60.0% |
| Wexford County | 9 | 2 | 4 | 44.4% |
| Newaygo County | 7 | 4 | 3 | 42.9% |
| Manistee County | 4 | 3 | 1 | 25.0% |
| Montcalm County | 3 | 1 | 0 | 0.0% |
| Missaukee County | 3 | 1 | 1 | 33.3% |
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: 200 applications in 2025, of which 108 were originated and 66 denied.
33.0% of all applications, or 33.7% of the applications it actually decided on. The Michigan statewide average across all lenders was 18.5%.
The median rate on loans West Michigan Credit Union originated in Michigan in 2025 was 7.25%, against a statewide median of 6.75%.
About this data. Figures are West Michigan 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