Diversified Members in Michigan vs the state
41.3%Denial rate+22.75 pts vs state
44.8%Decision denial rate+22.25 pts vs state
50.8%Origination rate-9.10 pts vs state
7.20%Median rate+0.45 pts vs state
1.09Rate spread (pts)+0.69 pts vs state
$79kMedian applicant income
96Loans originated
78Denied
Trend in Michigan
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 162 | 85 | 40.1% | 7.20% | #205 |
| 2024 | 234 | 66 | 55.1% | 6.99% | #182 |
| 2025 | 189 | 96 | 41.3% | 7.20% | #220 |
What Diversified Members lends in Michigan
By loan purpose
By loan type
Why it denied Michigan applicants
Where in Michigan
Counties with the most Diversified Members applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Wayne County | 113 | 49 | 55 | 48.7% |
| Oakland County | 37 | 20 | 13 | 35.1% |
| Macomb County | 26 | 21 | 5 | 19.2% |
| Livingston County | 3 | 3 | 0 | 0.0% |
| Washtenaw County | 3 | 2 | 1 | 33.3% |
| Jackson County | 1 | 0 | 0 | 0.0% |
| Iosco County | 1 | 0 | 1 | 100.0% |
| Monroe County | 1 | 0 | 1 | 100.0% |
| Genesee County | 1 | 1 | 0 | 0.0% |
| Kent County | 1 | 0 | 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: 189 applications in 2025, of which 96 were originated and 78 denied.
41.3% of all applications, or 44.8% of the applications it actually decided on. The Michigan statewide average across all lenders was 18.5%.
The median rate on loans Diversified Members originated in Michigan in 2025 was 7.20%, against a statewide median of 6.75%.
About this data. Figures are Diversified Members'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