Guild Mortgage in Michigan vs the state
3.2%Denial rate-15.33 pts vs state
3.9%Decision denial rate-18.69 pts vs state
74.8%Origination rate+14.86 pts vs state
6.75%Median rate0.00 pts vs state
0.49Rate spread (pts)+0.10 pts vs state
$79kMedian applicant income
820Loans originated
35Denied
Trend in Michigan
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 530 | 408 | 1.7% | 7.13% | #103 |
| 2024 | 919 | 713 | 2.8% | 6.99% | #76 |
| 2025 | 1,097 | 820 | 3.2% | 6.75% | #67 |
What Guild Mortgage lends in Michigan
By loan purpose
By loan type
Why it denied Michigan applicants
Where in Michigan
Counties with the most Guild Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Kent County | 256 | 201 | 2 | 0.8% |
| Ottawa County | 72 | 51 | 0 | 0.0% |
| Montcalm County | 49 | 38 | 0 | 0.0% |
| Isabella County | 47 | 37 | 2 | 4.3% |
| Wexford County | 36 | 30 | 1 | 2.8% |
| Jackson County | 34 | 27 | 3 | 8.8% |
| Genesee County | 34 | 28 | 0 | 0.0% |
| Ionia County | 33 | 28 | 0 | 0.0% |
| Newaygo County | 33 | 27 | 0 | 0.0% |
| Muskegon County | 32 | 24 | 1 | 3.1% |
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: 1,097 applications in 2025, of which 820 were originated and 35 denied.
3.2% of all applications, or 3.9% of the applications it actually decided on. The Michigan statewide average across all lenders was 18.5%.
The median rate on loans Guild Mortgage originated in Michigan in 2025 was 6.75%, against a statewide median of 6.75%.
About this data. Figures are Guild Mortgage'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