Wings Financial Credit Union in Michigan vs the state
19.8%Denial rate+1.30 pts vs state
22.0%Decision denial rate-0.58 pts vs state
58.6%Origination rate-1.33 pts vs state
7.25%Median rate+0.50 pts vs state
0.04Rate spread (pts)-0.36 pts vs state
$103kMedian applicant income
65Loans originated
22Denied
Trend in Michigan
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 135 | 76 | 20.0% | 7.63% | #231 |
| 2024 | 135 | 76 | 21.5% | 8.25% | #239 |
| 2025 | 111 | 65 | 19.8% | 7.25% | #260 |
What Wings Financial Credit Union lends in Michigan
By loan purpose
By loan type
Why it denied Michigan applicants
Where in Michigan
Counties with the most Wings Financial Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Wayne County | 47 | 24 | 14 | 29.8% |
| Oakland County | 16 | 8 | 2 | 12.5% |
| Washtenaw County | 10 | 7 | 1 | 10.0% |
| Livingston County | 7 | 7 | 0 | 0.0% |
| Ingham County | 6 | 4 | 0 | 0.0% |
| Monroe County | 5 | 2 | 1 | 20.0% |
| Kent County | 5 | 2 | 2 | 40.0% |
| Jackson County | 3 | 2 | 0 | 0.0% |
| Iosco County | 2 | 0 | 1 | 50.0% |
| Gogebic County | 1 | 1 | 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: 111 applications in 2025, of which 65 were originated and 22 denied.
19.8% of all applications, or 22.0% of the applications it actually decided on. The Michigan statewide average across all lenders was 18.5%.
The median rate on loans Wings Financial Credit Union originated in Michigan in 2025 was 7.25%, against a statewide median of 6.75%.
About this data. Figures are Wings 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