Liberty Home Mortgage in Michigan vs the state
16.7%Denial rate-1.85 pts vs state
33.3%Decision denial rate+10.75 pts vs state
33.3%Origination rate-26.56 pts vs state
7.06%Median rate+0.31 pts vs state
0.49Rate spread (pts)+0.09 pts vs state
$102kMedian applicant income
4Loans originated
2Denied
Trend in Michigan
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 58 | 26 | 17.2% | 7.13% | #321 |
| 2024 | 31 | 12 | 12.9% | 6.69% | #385 |
| 2025 | 12 | 4 | 16.7% | 7.06% | #493 |
What Liberty Home Mortgage lends in Michigan
By loan purpose
By loan type
Why it denied Michigan applicants
Where in Michigan
Counties with the most Liberty Home Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jackson County | 3 | 0 | 1 | 33.3% |
| Cass County | 1 | 1 | 0 | 0.0% |
| Berrien County | 1 | 0 | 0 | 0.0% |
| Ottawa County | 1 | 1 | 0 | 0.0% |
| St. Clair County | 1 | 0 | 0 | 0.0% |
| Sanilac County | 1 | 0 | 1 | 100.0% |
| Ionia County | 1 | 0 | 0 | 0.0% |
| Oakland County | 1 | 0 | 0 | 0.0% |
| Livingston County | 1 | 1 | 0 | 0.0% |
| Clare County | 1 | 1 | 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: 12 applications in 2025, of which 4 were originated and 2 denied.
16.7% of all applications, or 33.3% of the applications it actually decided on. The Michigan statewide average across all lenders was 18.5%.
The median rate on loans Liberty Home Mortgage originated in Michigan in 2025 was 7.06%, against a statewide median of 6.75%.
About this data. Figures are Liberty Home 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