Click n' Close in Michigan vs the state
7.6%Denial rate-10.90 pts vs state
11.2%Decision denial rate-11.40 pts vs state
59.2%Origination rate-0.70 pts vs state
6.75%Median rate0.00 pts vs state
3.07Rate spread (pts)+2.67 pts vs state
$80kMedian applicant income
132Loans originated
17Denied
Trend in Michigan
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 363 | 243 | 3.6% | 7.00% | #134 |
| 2024 | 350 | 136 | 3.4% | 7.13% | #145 |
| 2025 | 223 | 132 | 7.6% | 6.75% | #199 |
What Click n' Close lends in Michigan
By loan purpose
By loan type
Why it denied Michigan applicants
Where in Michigan
Counties with the most Click n' Close applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Wayne County | 49 | 23 | 6 | 12.2% |
| Genesee County | 33 | 25 | 1 | 3.0% |
| Monroe County | 22 | 19 | 0 | 0.0% |
| Macomb County | 11 | 7 | 0 | 0.0% |
| Oakland County | 9 | 4 | 0 | 0.0% |
| Ingham County | 7 | 4 | 2 | 28.6% |
| Chippewa County | 5 | 3 | 0 | 0.0% |
| Kent County | 5 | 4 | 0 | 0.0% |
| Isabella County | 4 | 1 | 2 | 50.0% |
| Saginaw County | 4 | 3 | 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: 223 applications in 2025, of which 132 were originated and 17 denied.
7.6% of all applications, or 11.2% of the applications it actually decided on. The Michigan statewide average across all lenders was 18.5%.
The median rate on loans Click n' Close originated in Michigan in 2025 was 6.75%, against a statewide median of 6.75%.
About this data. Figures are Click n' Close'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