LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans in Michigan vs the state
6.7%Denial rate-11.85 pts vs state
11.3%Decision denial rate-11.33 pts vs state
46.7%Origination rate-13.22 pts vs state
6.12%Median rate-0.63 pts vs state
-0.12Rate spread (pts)-0.52 pts vs state
$141kMedian applicant income
126Loans originated
18Denied
Trend in Michigan
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 13 | 1 | 7.7% | 6.63% | #473 |
| 2024 | 83 | 33 | 2.4% | 6.00% | #287 |
| 2025 | 270 | 126 | 6.7% | 6.12% | #185 |
What LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans lends in Michigan
By loan purpose
By loan type
Why it denied Michigan applicants
Where in Michigan
Counties with the most LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Oakland County | 76 | 40 | 3 | 3.9% |
| Wayne County | 38 | 19 | 4 | 10.5% |
| Washtenaw County | 24 | 6 | 1 | 4.2% |
| Kent County | 22 | 14 | 1 | 4.5% |
| Macomb County | 17 | 10 | 0 | 0.0% |
| Livingston County | 9 | 3 | 0 | 0.0% |
| Ottawa County | 8 | 4 | 1 | 12.5% |
| Kalamazoo County | 7 | 4 | 1 | 14.3% |
| Ingham County | 7 | 3 | 0 | 0.0% |
| Genesee County | 6 | 3 | 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: 270 applications in 2025, of which 126 were originated and 18 denied.
6.7% of all applications, or 11.3% of the applications it actually decided on. The Michigan statewide average across all lenders was 18.5%.
The median rate on loans LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans originated in Michigan in 2025 was 6.12%, against a statewide median of 6.75%.
About this data. Figures are LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans'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