Wildfire Credit Union in Michigan vs the state
10.7%Denial rate-7.85 pts vs state
12.1%Decision denial rate-10.50 pts vs state
76.9%Origination rate+17.03 pts vs state
—Median rate
—Rate spread (pts)
$82kMedian applicant income
310Loans originated
43Denied
Trend in Michigan
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 409 | 299 | 14.4% | 6.63% | #125 |
| 2024 | 383 | 290 | 13.6% | — | #138 |
| 2025 | 403 | 310 | 10.7% | — | #145 |
What Wildfire Credit Union lends in Michigan
By loan purpose
By loan type
Where in Michigan
Counties with the most Wildfire Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Saginaw County | 128 | 94 | 23 | 18.0% |
| Bay County | 101 | 84 | 6 | 5.9% |
| Midland County | 69 | 51 | 6 | 8.7% |
| Gladwin County | 11 | 9 | 0 | 0.0% |
| Oakland County | 10 | 9 | 0 | 0.0% |
| Genesee County | 8 | 5 | 1 | 12.5% |
| Arenac County | 8 | 7 | 0 | 0.0% |
| Wayne County | 6 | 5 | 0 | 0.0% |
| Isabella County | 5 | 4 | 0 | 0.0% |
| Ogemaw County | 4 | 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: 403 applications in 2025, of which 310 were originated and 43 denied.
10.7% of all applications, or 12.1% of the applications it actually decided on. The Michigan statewide average across all lenders was 18.5%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are Wildfire 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