Home Mortgage Alliance Corporation (HMAC) in Michigan vs the state
38.5%Denial rate+19.94 pts vs state
50.0%Decision denial rate+27.42 pts vs state
38.5%Origination rate-21.43 pts vs state
7.88%Median rate+1.13 pts vs state
2.36Rate spread (pts)+1.96 pts vs state
$318kMedian applicant income
5Loans originated
5Denied
Trend in Michigan
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 42 | 9 | 28.6% | 8.75% | #348 |
| 2024 | 38 | 8 | 10.5% | 8.69% | #370 |
| 2025 | 13 | 5 | 38.5% | 7.88% | #487 |
What Home Mortgage Alliance Corporation (HMAC) lends in Michigan
By loan purpose
By loan type
Why it denied Michigan applicants
Where in Michigan
Counties with the most Home Mortgage Alliance Corporation (HMAC) applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Wayne County | 3 | 0 | 2 | 66.7% |
| Macomb County | 2 | 2 | 0 | 0.0% |
| Berrien County | 1 | 1 | 0 | 0.0% |
| Roscommon County | 1 | 0 | 0 | 0.0% |
| Benzie County | 1 | 0 | 1 | 100.0% |
| Otsego County | 1 | 1 | 0 | 0.0% |
| Manistee County | 1 | 1 | 0 | 0.0% |
| Lake County | 1 | 0 | 0 | 0.0% |
| Saginaw County | 1 | 0 | 1 | 100.0% |
| Livingston County | 1 | 0 | 1 | 100.0% |
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: 13 applications in 2025, of which 5 were originated and 5 denied.
38.5% of all applications, or 50.0% of the applications it actually decided on. The Michigan statewide average across all lenders was 18.5%.
The median rate on loans Home Mortgage Alliance Corporation (HMAC) originated in Michigan in 2025 was 7.88%, against a statewide median of 6.75%.
About this data. Figures are Home Mortgage Alliance Corporation (HMAC)'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