Bank Five Nine in Michigan vs the state
20.0%Denial rate+1.48 pts vs state
25.0%Decision denial rate+2.42 pts vs state
60.0%Origination rate+0.11 pts vs state
6.38%Median rate-0.38 pts vs state
0.24Rate spread (pts)-0.16 pts vs state
$114kMedian applicant income
3Loans originated
1Denied
What Bank Five Nine lends in Michigan
By loan purpose
By loan type
Why it denied Michigan applicants
Where in Michigan
Counties with the most Bank Five Nine applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Clinton County | 1 | 0 | 1 | 100.0% |
| Schoolcraft County | 1 | 1 | 0 | 0.0% |
| Gogebic County | 1 | 1 | 0 | 0.0% |
| Livingston County | 1 | 0 | 0 | 0.0% |
| Houghton 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: 5 applications in 2025, of which 3 were originated and 1 denied.
20.0% 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 Bank Five Nine originated in Michigan in 2025 was 6.38%, against a statewide median of 6.75%.
About this data. Figures are Bank Five Nine'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