Georgia'S Own in Michigan vs the state
21.1%Denial rate+2.53 pts vs state
28.6%Decision denial rate+5.99 pts vs state
47.4%Origination rate-12.52 pts vs state
8.25%Median rate+1.50 pts vs state
1.05Rate spread (pts)+0.65 pts vs state
$215kMedian applicant income
9Loans originated
4Denied
Trend in Michigan
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 14 | 7 | 42.9% | 11.75% | #469 |
| 2024 | 17 | 3 | 58.8% | 10.75% | #445 |
| 2025 | 19 | 9 | 21.1% | 8.25% | #446 |
What Georgia'S Own lends in Michigan
By loan purpose
By loan type
Why it denied Michigan applicants
Where in Michigan
Counties with the most Georgia'S Own applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Midland County | 4 | 2 | 0 | 0.0% |
| Macomb County | 2 | 1 | 0 | 0.0% |
| Wayne County | 2 | 1 | 1 | 50.0% |
| St. Clair County | 1 | 0 | 0 | 0.0% |
| Kalamazoo County | 1 | 0 | 0 | 0.0% |
| Van Buren County | 1 | 0 | 1 | 100.0% |
| Lenawee County | 1 | 1 | 0 | 0.0% |
| Washtenaw County | 1 | 1 | 0 | 0.0% |
| Marquette County | 1 | 0 | 1 | 100.0% |
| Leelanau County | 1 | 1 | 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: 19 applications in 2025, of which 9 were originated and 4 denied.
21.1% of all applications, or 28.6% of the applications it actually decided on. The Michigan statewide average across all lenders was 18.5%.
The median rate on loans Georgia'S Own originated in Michigan in 2025 was 8.25%, against a statewide median of 6.75%.
About this data. Figures are Georgia'S Own'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