Geneva Financial in Michigan vs the state
3.8%Denial rate-14.73 pts vs state
4.9%Decision denial rate-17.68 pts vs state
73.5%Origination rate+13.59 pts vs state
6.75%Median rate0.00 pts vs state
0.60Rate spread (pts)+0.20 pts vs state
$73kMedian applicant income
97Loans originated
5Denied
Trend in Michigan
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 127 | 99 | 0.8% | 7.00% | #240 |
| 2024 | 141 | 104 | 1.4% | 7.00% | #233 |
| 2025 | 132 | 97 | 3.8% | 6.75% | #245 |
What Geneva Financial lends in Michigan
By loan purpose
By loan type
Why it denied Michigan applicants
Where in Michigan
Counties with the most Geneva Financial applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Wayne County | 36 | 24 | 3 | 8.3% |
| Midland County | 14 | 13 | 0 | 0.0% |
| Bay County | 11 | 9 | 0 | 0.0% |
| Saginaw County | 11 | 10 | 0 | 0.0% |
| Macomb County | 6 | 4 | 0 | 0.0% |
| Eaton County | 6 | 4 | 0 | 0.0% |
| Monroe County | 6 | 3 | 1 | 16.7% |
| Isabella County | 4 | 4 | 0 | 0.0% |
| Gladwin County | 4 | 4 | 0 | 0.0% |
| Oakland County | 4 | 2 | 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: 132 applications in 2025, of which 97 were originated and 5 denied.
3.8% of all applications, or 4.9% of the applications it actually decided on. The Michigan statewide average across all lenders was 18.5%.
The median rate on loans Geneva Financial originated in Michigan in 2025 was 6.75%, against a statewide median of 6.75%.
About this data. Figures are Geneva 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