Jmac Lending in Michigan vs the state
2.8%Denial rate-15.72 pts vs state
3.6%Decision denial rate-19.01 pts vs state
75.5%Origination rate+15.63 pts vs state
6.63%Median rate-0.13 pts vs state
0.44Rate spread (pts)+0.04 pts vs state
$94kMedian applicant income
108Loans originated
4Denied
Trend in Michigan
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 10 | 2 | 30.0% | 6.06% | #502 |
| 2024 | 53 | 27 | 7.6% | 6.50% | #343 |
| 2025 | 143 | 108 | 2.8% | 6.63% | #241 |
What Jmac Lending lends in Michigan
By loan purpose
By loan type
Why it denied Michigan applicants
Where in Michigan
Counties with the most Jmac Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jackson County | 38 | 32 | 1 | 2.6% |
| Macomb County | 15 | 12 | 0 | 0.0% |
| Kent County | 10 | 10 | 0 | 0.0% |
| Oakland County | 10 | 5 | 0 | 0.0% |
| Ingham County | 8 | 5 | 0 | 0.0% |
| Livingston County | 8 | 7 | 0 | 0.0% |
| Washtenaw County | 6 | 5 | 0 | 0.0% |
| Calhoun County | 5 | 4 | 1 | 20.0% |
| Wayne County | 5 | 1 | 1 | 20.0% |
| Genesee County | 5 | 2 | 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: 143 applications in 2025, of which 108 were originated and 4 denied.
2.8% of all applications, or 3.6% of the applications it actually decided on. The Michigan statewide average across all lenders was 18.5%.
The median rate on loans Jmac Lending originated in Michigan in 2025 was 6.63%, against a statewide median of 6.75%.
About this data. Figures are Jmac Lending'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