First Choice Mh in Michigan vs the state
12.6%Denial rate-5.91 pts vs state
12.6%Decision denial rate-9.97 pts vs state
87.4%Origination rate+27.50 pts vs state
10.35%Median rate+3.60 pts vs state
0.04Rate spread (pts)-0.36 pts vs state
$58kMedian applicant income
104Loans originated
15Denied
Trend in Michigan
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 89 | 84 | 5.6% | 10.25% | #274 |
| 2024 | 119 | 110 | 7.6% | 10.35% | #251 |
| 2025 | 119 | 104 | 12.6% | 10.35% | #251 |
What First Choice Mh lends in Michigan
By loan purpose
By loan type
Why it denied Michigan applicants
Where in Michigan
Counties with the most First Choice Mh applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Isabella County | 47 | 36 | 11 | 23.4% |
| Calhoun County | 32 | 29 | 3 | 9.4% |
| Lapeer County | 22 | 22 | 0 | 0.0% |
| Lenawee County | 18 | 17 | 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: 119 applications in 2025, of which 104 were originated and 15 denied.
12.6% of all applications, or 12.6% of the applications it actually decided on. The Michigan statewide average across all lenders was 18.5%.
The median rate on loans First Choice Mh originated in Michigan in 2025 was 10.35%, against a statewide median of 6.75%.
About this data. Figures are First Choice Mh'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