Mortgage Access in Michigan vs the state
3.7%Denial rate-14.85 pts vs state
6.1%Decision denial rate-16.52 pts vs state
56.9%Origination rate-3.01 pts vs state
6.49%Median rate-0.26 pts vs state
0.17Rate spread (pts)-0.23 pts vs state
$150kMedian applicant income
62Loans originated
4Denied
Trend in Michigan
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 43 | 26 | 0.0% | 6.75% | #345 |
| 2024 | 70 | 38 | 7.1% | 6.99% | #312 |
| 2025 | 109 | 62 | 3.7% | 6.49% | #262 |
What Mortgage Access lends in Michigan
By loan purpose
By loan type
Why it denied Michigan applicants
Where in Michigan
Counties with the most Mortgage Access applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Oakland County | 32 | 20 | 0 | 0.0% |
| Wayne County | 31 | 16 | 2 | 6.5% |
| Muskegon County | 6 | 4 | 1 | 16.7% |
| Washtenaw County | 5 | 3 | 0 | 0.0% |
| Kalamazoo County | 5 | 1 | 0 | 0.0% |
| Kent County | 4 | 3 | 0 | 0.0% |
| Monroe County | 4 | 4 | 0 | 0.0% |
| Calhoun County | 3 | 1 | 0 | 0.0% |
| Jackson County | 3 | 2 | 0 | 0.0% |
| Berrien County | 3 | 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: 109 applications in 2025, of which 62 were originated and 4 denied.
3.7% of all applications, or 6.1% of the applications it actually decided on. The Michigan statewide average across all lenders was 18.5%.
The median rate on loans Mortgage Access originated in Michigan in 2025 was 6.49%, against a statewide median of 6.75%.
About this data. Figures are Mortgage Access'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