Calcon Mutual Mortgage in Michigan vs the state
4.1%Denial rate-14.44 pts vs state
5.6%Decision denial rate-16.99 pts vs state
68.9%Origination rate+8.99 pts vs state
6.63%Median rate-0.13 pts vs state
0.31Rate spread (pts)-0.09 pts vs state
$91kMedian applicant income
135Loans originated
8Denied
Trend in Michigan
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 8 | 3 | 25.0% | 7.00% | #532 |
| 2024 | 550 | 401 | 5.3% | 6.75% | #109 |
| 2025 | 196 | 135 | 4.1% | 6.63% | #211 |
What Calcon Mutual Mortgage lends in Michigan
By loan purpose
By loan type
Why it denied Michigan applicants
Where in Michigan
Counties with the most Calcon Mutual Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Grand Traverse County | 62 | 39 | 2 | 3.2% |
| Manistee County | 24 | 17 | 1 | 4.2% |
| Leelanau County | 11 | 9 | 1 | 9.1% |
| Kalkaska County | 10 | 6 | 1 | 10.0% |
| Mason County | 9 | 6 | 2 | 22.2% |
| Antrim County | 8 | 7 | 0 | 0.0% |
| Wexford County | 7 | 6 | 0 | 0.0% |
| Emmet County | 7 | 5 | 0 | 0.0% |
| Benzie County | 7 | 3 | 0 | 0.0% |
| Otsego County | 7 | 4 | 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: 196 applications in 2025, of which 135 were originated and 8 denied.
4.1% of all applications, or 5.6% of the applications it actually decided on. The Michigan statewide average across all lenders was 18.5%.
The median rate on loans Calcon Mutual Mortgage originated in Michigan in 2025 was 6.63%, against a statewide median of 6.75%.
About this data. Figures are Calcon Mutual 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