Homebridge Financial Services in Michigan vs the state
16.3%Denial rate-2.27 pts vs state
18.5%Decision denial rate-4.11 pts vs state
69.3%Origination rate+9.36 pts vs state
10.37%Median rate+3.62 pts vs state
0.26Rate spread (pts)-0.14 pts vs state
$96kMedian applicant income
277Loans originated
65Denied
Trend in Michigan
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 326 | 162 | 30.4% | 11.58% | #141 |
| 2024 | 263 | 136 | 27.0% | 11.74% | #179 |
| 2025 | 400 | 277 | 16.3% | 10.37% | #147 |
What Homebridge Financial Services lends in Michigan
By loan purpose
By loan type
Why it denied Michigan applicants
Where in Michigan
Counties with the most Homebridge Financial Services applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Oakland County | 74 | 48 | 10 | 13.5% |
| Wayne County | 53 | 34 | 13 | 24.5% |
| Macomb County | 38 | 23 | 7 | 18.4% |
| Kent County | 23 | 14 | 4 | 17.4% |
| Muskegon County | 18 | 16 | 0 | 0.0% |
| Genesee County | 16 | 12 | 2 | 12.5% |
| Ottawa County | 13 | 8 | 2 | 15.4% |
| Kalamazoo County | 12 | 8 | 2 | 16.7% |
| Livingston County | 12 | 11 | 1 | 8.3% |
| Washtenaw County | 11 | 8 | 2 | 18.2% |
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: 400 applications in 2025, of which 277 were originated and 65 denied.
16.3% of all applications, or 18.5% of the applications it actually decided on. The Michigan statewide average across all lenders was 18.5%.
The median rate on loans Homebridge Financial Services originated in Michigan in 2025 was 10.37%, against a statewide median of 6.75%.
About this data. Figures are Homebridge Financial Services'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