Affinity in Michigan vs the state
14.3%Denial rate-4.23 pts vs state
25.0%Decision denial rate+2.42 pts vs state
42.9%Origination rate-17.03 pts vs state
4.90%Median rate-1.85 pts vs state
-2.30Rate spread (pts)-2.70 pts vs state
$111kMedian applicant income
3Loans originated
1Denied
Trend in Michigan
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 6 | 1 | 83.3% | 9.00% | #572 |
| 2025 | 7 | 3 | 14.3% | 4.90% | #544 |
What Affinity lends in Michigan
By loan purpose
By loan type
Why it denied Michigan applicants
Where in Michigan
Counties with the most Affinity applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Oakland County | 4 | 2 | 0 | 0.0% |
| Shiawassee County | 2 | 1 | 1 | 50.0% |
| Macomb County | 1 | 0 | 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: 7 applications in 2025, of which 3 were originated and 1 denied.
14.3% of all applications, or 25.0% of the applications it actually decided on. The Michigan statewide average across all lenders was 18.5%.
The median rate on loans Affinity originated in Michigan in 2025 was 4.90%, against a statewide median of 6.75%.
About this data. Figures are Affinity'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