Highpoint Community Bank in Michigan vs the state
1.0%Denial rate-17.54 pts vs state
1.0%Decision denial rate-21.56 pts vs state
94.1%Origination rate+34.23 pts vs state
—Median rate
—Rate spread (pts)
$103kMedian applicant income
96Loans originated
1Denied
Trend in Michigan
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 95 | 82 | 7.4% | — | #271 |
| 2024 | 82 | 73 | 1.2% | — | #289 |
| 2025 | 102 | 96 | 1.0% | — | #273 |
What Highpoint Community Bank lends in Michigan
By loan purpose
By loan type
Where in Michigan
Counties with the most Highpoint Community Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Barry County | 55 | 50 | 1 | 1.8% |
| Kent County | 22 | 22 | 0 | 0.0% |
| Allegan County | 7 | 7 | 0 | 0.0% |
| Kalamazoo County | 4 | 4 | 0 | 0.0% |
| Calhoun County | 3 | 3 | 0 | 0.0% |
| Montcalm County | 3 | 3 | 0 | 0.0% |
| Eaton County | 3 | 3 | 0 | 0.0% |
| Houghton County | 1 | 0 | 0 | 0.0% |
| Ottawa County | 1 | 1 | 0 | 0.0% |
| Manistee 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: 102 applications in 2025, of which 96 were originated and 1 denied.
1.0% of all applications, or 1.0% of the applications it actually decided on. The Michigan statewide average across all lenders was 18.5%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are Highpoint Community Bank'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