Everett Financial in Michigan vs the state
6.1%Denial rate-12.47 pts vs state
8.5%Decision denial rate-14.13 pts vs state
60.6%Origination rate+0.72 pts vs state
6.63%Median rate-0.13 pts vs state
0.70Rate spread (pts)+0.30 pts vs state
$81kMedian applicant income
631Loans originated
63Denied
Trend in Michigan
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,468 | 604 | 4.6% | 6.88% | #48 |
| 2024 | 151 | 125 | 3.3% | 6.63% | #226 |
| 2025 | 1,041 | 631 | 6.1% | 6.63% | #74 |
What Everett Financial lends in Michigan
By loan purpose
By loan type
Why it denied Michigan applicants
Where in Michigan
Counties with the most Everett Financial applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| St. Clair County | 168 | 122 | 4 | 2.4% |
| Wayne County | 153 | 60 | 18 | 11.8% |
| Macomb County | 127 | 69 | 15 | 11.8% |
| Oakland County | 122 | 73 | 9 | 7.4% |
| Ingham County | 77 | 49 | 3 | 3.9% |
| Genesee County | 39 | 19 | 2 | 5.1% |
| Eaton County | 36 | 32 | 0 | 0.0% |
| Sanilac County | 29 | 19 | 0 | 0.0% |
| Kent County | 19 | 15 | 1 | 5.3% |
| Marquette County | 18 | 14 | 1 | 5.6% |
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: 1,041 applications in 2025, of which 631 were originated and 63 denied.
6.1% of all applications, or 8.5% of the applications it actually decided on. The Michigan statewide average across all lenders was 18.5%.
The median rate on loans Everett Financial originated in Michigan in 2025 was 6.63%, against a statewide median of 6.75%.
About this data. Figures are Everett Financial'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