Ameritrust Mortgage in Michigan vs the state
6.8%Denial rate-11.74 pts vs state
12.7%Decision denial rate-9.88 pts vs state
46.6%Origination rate-13.28 pts vs state
7.38%Median rate+0.63 pts vs state
1.15Rate spread (pts)+0.75 pts vs state
$120kMedian applicant income
55Loans originated
8Denied
Trend in Michigan
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 9 | 2 | 0.0% | 7.56% | #518 |
| 2024 | 79 | 33 | 3.8% | 7.75% | #294 |
| 2025 | 118 | 55 | 6.8% | 7.38% | #253 |
What Ameritrust Mortgage lends in Michigan
By loan purpose
By loan type
Why it denied Michigan applicants
Where in Michigan
Counties with the most Ameritrust Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Wayne County | 44 | 21 | 3 | 6.8% |
| Macomb County | 22 | 13 | 1 | 4.5% |
| Hillsdale County | 9 | 5 | 1 | 11.1% |
| Oakland County | 9 | 3 | 0 | 0.0% |
| Monroe County | 6 | 2 | 1 | 16.7% |
| Kalamazoo County | 4 | 0 | 0 | 0.0% |
| St. Clair County | 3 | 1 | 2 | 66.7% |
| Muskegon County | 3 | 1 | 0 | 0.0% |
| Berrien County | 3 | 1 | 0 | 0.0% |
| Livingston County | 2 | 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: 118 applications in 2025, of which 55 were originated and 8 denied.
6.8% of all applications, or 12.7% of the applications it actually decided on. The Michigan statewide average across all lenders was 18.5%.
The median rate on loans Ameritrust Mortgage originated in Michigan in 2025 was 7.38%, against a statewide median of 6.75%.
About this data. Figures are Ameritrust Mortgage'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