Homexpress Mortgage in Michigan vs the state
46.3%Denial rate+27.75 pts vs state
46.3%Decision denial rate+23.69 pts vs state
53.7%Origination rate-6.16 pts vs state
7.63%Median rate+0.88 pts vs state
1.47Rate spread (pts)+1.07 pts vs state
$154kMedian applicant income
108Loans originated
93Denied
Trend in Michigan
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 77 | 43 | 42.9% | 9.38% | #296 |
| 2024 | 125 | 68 | 44.8% | 8.38% | #249 |
| 2025 | 201 | 108 | 46.3% | 7.63% | #208 |
What Homexpress Mortgage lends in Michigan
By loan purpose
By loan type
Why it denied Michigan applicants
Where in Michigan
Counties with the most Homexpress Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Wayne County | 48 | 25 | 23 | 47.9% |
| Oakland County | 30 | 19 | 11 | 36.7% |
| Macomb County | 28 | 17 | 11 | 39.3% |
| Ingham County | 11 | 6 | 5 | 45.5% |
| Livingston County | 7 | 4 | 3 | 42.9% |
| Washtenaw County | 6 | 3 | 3 | 50.0% |
| Kent County | 5 | 3 | 2 | 40.0% |
| Genesee County | 5 | 2 | 3 | 60.0% |
| Monroe County | 4 | 3 | 1 | 25.0% |
| Allegan County | 4 | 4 | 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: 201 applications in 2025, of which 108 were originated and 93 denied.
46.3% of all applications, or 46.3% of the applications it actually decided on. The Michigan statewide average across all lenders was 18.5%.
The median rate on loans Homexpress Mortgage originated in Michigan in 2025 was 7.63%, against a statewide median of 6.75%.
About this data. Figures are Homexpress 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