Mlb Residential Lending in Michigan vs the state
16.7%Denial rate-1.85 pts vs state
20.0%Decision denial rate-2.58 pts vs state
41.7%Origination rate-18.22 pts vs state
6.63%Median rate-0.13 pts vs state
0.77Rate spread (pts)+0.37 pts vs state
$90kMedian applicant income
5Loans originated
2Denied
Trend in Michigan
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 9 | 5 | 33.3% | 7.38% | #509 |
| 2025 | 12 | 5 | 16.7% | 6.63% | #499 |
What Mlb Residential Lending lends in Michigan
By loan purpose
By loan type
Why it denied Michigan applicants
Where in Michigan
Counties with the most Mlb Residential Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Macomb County | 6 | 4 | 1 | 16.7% |
| Oakland County | 4 | 1 | 0 | 0.0% |
| Ionia County | 1 | 0 | 0 | 0.0% |
| Washtenaw County | 1 | 0 | 1 | 100.0% |
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 5 were originated and 2 denied.
16.7% of all applications, or 20.0% of the applications it actually decided on. The Michigan statewide average across all lenders was 18.5%.
The median rate on loans Mlb Residential Lending originated in Michigan in 2025 was 6.63%, against a statewide median of 6.75%.
About this data. Figures are Mlb Residential 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