Citibank in Michigan vs the state
21.6%Denial rate+3.06 pts vs state
43.2%Decision denial rate+20.58 pts vs state
26.8%Origination rate-33.05 pts vs state
6.00%Median rate-0.75 pts vs state
-0.14Rate spread (pts)-0.54 pts vs state
$105kMedian applicant income
51Loans originated
41Denied
Trend in Michigan
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 118 | 68 | 4.2% | 5.75% | #248 |
| 2024 | 144 | 45 | 23.6% | 6.25% | #229 |
| 2025 | 190 | 51 | 21.6% | 6.00% | #216 |
What Citibank lends in Michigan
By loan purpose
By loan type
Why it denied Michigan applicants
Where in Michigan
Counties with the most Citibank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Wayne County | 34 | 5 | 10 | 29.4% |
| Oakland County | 30 | 14 | 2 | 6.7% |
| Berrien County | 15 | 8 | 4 | 26.7% |
| Macomb County | 13 | 1 | 2 | 15.4% |
| Washtenaw County | 10 | 5 | 0 | 0.0% |
| Genesee County | 7 | 0 | 4 | 57.1% |
| Antrim County | 6 | 4 | 0 | 0.0% |
| Kent County | 6 | 2 | 1 | 16.7% |
| Ottawa County | 5 | 1 | 2 | 40.0% |
| Muskegon County | 5 | 1 | 2 | 40.0% |
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: 190 applications in 2025, of which 51 were originated and 41 denied.
21.6% of all applications, or 43.2% of the applications it actually decided on. The Michigan statewide average across all lenders was 18.5%.
The median rate on loans Citibank originated in Michigan in 2025 was 6.00%, against a statewide median of 6.75%.
About this data. Figures are Citibank'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