American Heritage Lending in Michigan vs the state
6.5%Denial rate-12.06 pts vs state
9.0%Decision denial rate-13.62 pts vs state
45.6%Origination rate-14.31 pts vs state
7.38%Median rate+0.63 pts vs state
1.27Rate spread (pts)+0.87 pts vs state
$85kMedian applicant income
134Loans originated
19Denied
Trend in Michigan
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 183 | 79 | 13.1% | 9.63% | #188 |
| 2024 | 257 | 116 | 13.2% | 8.25% | #180 |
| 2025 | 294 | 134 | 6.5% | 7.38% | #173 |
What American Heritage Lending lends in Michigan
By loan purpose
By loan type
Why it denied Michigan applicants
Where in Michigan
Counties with the most American Heritage Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Wayne County | 151 | 58 | 13 | 8.6% |
| Oakland County | 30 | 10 | 2 | 6.7% |
| Macomb County | 17 | 7 | 2 | 11.8% |
| Washtenaw County | 9 | 6 | 0 | 0.0% |
| Ingham County | 9 | 2 | 0 | 0.0% |
| Genesee County | 9 | 8 | 0 | 0.0% |
| Saginaw County | 8 | 8 | 0 | 0.0% |
| Kent County | 5 | 2 | 0 | 0.0% |
| St. Clair County | 5 | 3 | 0 | 0.0% |
| Monroe County | 4 | 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: 294 applications in 2025, of which 134 were originated and 19 denied.
6.5% of all applications, or 9.0% of the applications it actually decided on. The Michigan statewide average across all lenders was 18.5%.
The median rate on loans American Heritage Lending originated in Michigan in 2025 was 7.38%, against a statewide median of 6.75%.
About this data. Figures are American Heritage Lending'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