Kind Lending in Michigan vs the state
32.8%Denial rate+14.27 pts vs state
37.2%Decision denial rate+14.63 pts vs state
54.2%Origination rate-5.74 pts vs state
7.00%Median rate+0.25 pts vs state
0.81Rate spread (pts)+0.41 pts vs state
$91kMedian applicant income
365Loans originated
221Denied
Trend in Michigan
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 159 | 75 | 38.4% | 6.99% | #211 |
| 2024 | 315 | 160 | 33.3% | 6.88% | #157 |
| 2025 | 674 | 365 | 32.8% | 7.00% | #104 |
What Kind Lending lends in Michigan
By loan purpose
By loan type
Why it denied Michigan applicants
Where in Michigan
Counties with the most Kind Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Wayne County | 232 | 122 | 81 | 34.9% |
| Oakland County | 103 | 61 | 25 | 24.3% |
| Macomb County | 76 | 38 | 26 | 34.2% |
| Genesee County | 25 | 12 | 8 | 32.0% |
| Livingston County | 17 | 13 | 2 | 11.8% |
| Grand Traverse County | 12 | 4 | 8 | 66.7% |
| Ingham County | 12 | 9 | 3 | 25.0% |
| Kent County | 12 | 6 | 4 | 33.3% |
| Kalamazoo County | 10 | 6 | 3 | 30.0% |
| Alpena County | 10 | 4 | 4 | 40.0% |
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: 674 applications in 2025, of which 365 were originated and 221 denied.
32.8% of all applications, or 37.2% of the applications it actually decided on. The Michigan statewide average across all lenders was 18.5%.
The median rate on loans Kind Lending originated in Michigan in 2025 was 7.00%, against a statewide median of 6.75%.
About this data. Figures are Kind 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