Longbridge Financial in Michigan vs the state
15.2%Denial rate-3.29 pts vs state
18.1%Decision denial rate-4.51 pts vs state
60.9%Origination rate+1.02 pts vs state
6.13%Median rate-0.63 pts vs state
—Rate spread (pts)
$29kMedian applicant income
120Loans originated
30Denied
Trend in Michigan
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 105 | 66 | 10.5% | 7.57% | #262 |
| 2024 | 89 | 56 | 16.9% | 6.96% | #278 |
| 2025 | 197 | 120 | 15.2% | 6.13% | #210 |
What Longbridge Financial lends in Michigan
By loan purpose
By loan type
Why it denied Michigan applicants
Where in Michigan
Counties with the most Longbridge Financial applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Wayne County | 40 | 23 | 3 | 7.5% |
| Oakland County | 27 | 17 | 4 | 14.8% |
| Macomb County | 14 | 8 | 2 | 14.3% |
| Kent County | 9 | 6 | 0 | 0.0% |
| Leelanau County | 6 | 4 | 0 | 0.0% |
| Emmet County | 5 | 5 | 0 | 0.0% |
| Antrim County | 5 | 4 | 1 | 20.0% |
| Genesee County | 5 | 3 | 1 | 20.0% |
| Cass County | 4 | 2 | 1 | 25.0% |
| Ingham County | 4 | 3 | 1 | 25.0% |
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: 197 applications in 2025, of which 120 were originated and 30 denied.
15.2% of all applications, or 18.1% of the applications it actually decided on. The Michigan statewide average across all lenders was 18.5%.
The median rate on loans Longbridge Financial originated in Michigan in 2025 was 6.13%, against a statewide median of 6.75%.
About this data. Figures are Longbridge Financial'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