Lendingone in Michigan vs the state
19.0%Denial rate+0.43 pts vs state
62.5%Decision denial rate+39.92 pts vs state
11.4%Origination rate-48.52 pts vs state
7.21%Median rate+0.46 pts vs state
—Rate spread (pts)
—Median applicant income
87Loans originated
145Denied
Trend in Michigan
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 385 | 85 | 63.4% | 7.73% | #130 |
| 2024 | 336 | 84 | 67.0% | 7.50% | #149 |
| 2025 | 765 | 87 | 19.0% | 7.21% | #97 |
What Lendingone lends in Michigan
By loan purpose
By loan type
Why it denied Michigan applicants
Where in Michigan
Counties with the most Lendingone applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Wayne County | 332 | 48 | 96 | 28.9% |
| Oakland County | 95 | 6 | 9 | 9.5% |
| Kent County | 59 | 15 | 6 | 10.2% |
| Macomb County | 56 | 0 | 10 | 17.9% |
| Ingham County | 22 | 3 | 3 | 13.6% |
| Genesee County | 19 | 0 | 6 | 31.6% |
| Washtenaw County | 18 | 1 | 3 | 16.7% |
| Muskegon County | 16 | 3 | 0 | 0.0% |
| St. Clair County | 14 | 0 | 2 | 14.3% |
| Kalamazoo County | 14 | 3 | 1 | 7.1% |
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: 765 applications in 2025, of which 87 were originated and 145 denied.
19.0% of all applications, or 62.5% of the applications it actually decided on. The Michigan statewide average across all lenders was 18.5%.
The median rate on loans Lendingone originated in Michigan in 2025 was 7.21%, against a statewide median of 6.75%.
About this data. Figures are Lendingone'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