Guaranteed Rate Affinity in Michigan vs the state
5.4%Denial rate-13.11 pts vs state
8.1%Decision denial rate-14.50 pts vs state
61.5%Origination rate+1.60 pts vs state
6.49%Median rate-0.26 pts vs state
0.11Rate spread (pts)-0.29 pts vs state
$124kMedian applicant income
91Loans originated
8Denied
Trend in Michigan
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 98 | 72 | 7.1% | 6.88% | #268 |
| 2024 | 109 | 82 | 0.0% | 6.85% | #258 |
| 2025 | 148 | 91 | 5.4% | 6.49% | #238 |
What Guaranteed Rate Affinity lends in Michigan
By loan purpose
By loan type
Why it denied Michigan applicants
Where in Michigan
Counties with the most Guaranteed Rate Affinity applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Oakland County | 32 | 22 | 1 | 3.1% |
| Wayne County | 20 | 12 | 1 | 5.0% |
| Berrien County | 16 | 10 | 0 | 0.0% |
| Kent County | 12 | 9 | 1 | 8.3% |
| Genesee County | 10 | 6 | 0 | 0.0% |
| Ingham County | 9 | 6 | 1 | 11.1% |
| Jackson County | 5 | 3 | 0 | 0.0% |
| Washtenaw County | 5 | 3 | 0 | 0.0% |
| Van Buren County | 3 | 1 | 2 | 66.7% |
| Clinton County | 3 | 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: 148 applications in 2025, of which 91 were originated and 8 denied.
5.4% of all applications, or 8.1% of the applications it actually decided on. The Michigan statewide average across all lenders was 18.5%.
The median rate on loans Guaranteed Rate Affinity originated in Michigan in 2025 was 6.49%, against a statewide median of 6.75%.
About this data. Figures are Guaranteed Rate Affinity'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