Coast One Mortgage in Michigan vs the state
10.0%Denial rate-8.52 pts vs state
15.8%Decision denial rate-6.79 pts vs state
50.0%Origination rate-9.89 pts vs state
6.63%Median rate-0.13 pts vs state
0.43Rate spread (pts)+0.03 pts vs state
$81kMedian applicant income
15Loans originated
3Denied
Trend in Michigan
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 152 | 92 | 11.8% | 7.13% | #216 |
| 2024 | 87 | 52 | 9.2% | 6.99% | #282 |
| 2025 | 30 | 15 | 10.0% | 6.63% | #386 |
What Coast One Mortgage lends in Michigan
By loan purpose
By loan type
Why it denied Michigan applicants
Where in Michigan
Counties with the most Coast One Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Livingston County | 4 | 3 | 0 | 0.0% |
| Newaygo County | 3 | 1 | 0 | 0.0% |
| Grand Traverse County | 3 | 1 | 0 | 0.0% |
| Oakland County | 2 | 2 | 0 | 0.0% |
| Ottawa County | 2 | 2 | 0 | 0.0% |
| Emmet County | 2 | 0 | 0 | 0.0% |
| Macomb County | 2 | 0 | 0 | 0.0% |
| Allegan County | 2 | 1 | 0 | 0.0% |
| Wayne County | 2 | 2 | 0 | 0.0% |
| Barry County | 2 | 0 | 2 | 100.0% |
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: 30 applications in 2025, of which 15 were originated and 3 denied.
10.0% of all applications, or 15.8% of the applications it actually decided on. The Michigan statewide average across all lenders was 18.5%.
The median rate on loans Coast One Mortgage originated in Michigan in 2025 was 6.63%, against a statewide median of 6.75%.
About this data. Figures are Coast One 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