Mortgageone in Michigan vs the state
5.6%Denial rate-12.96 pts vs state
11.1%Decision denial rate-11.47 pts vs state
44.4%Origination rate-15.45 pts vs state
7.25%Median rate+0.50 pts vs state
0.80Rate spread (pts)+0.40 pts vs state
$75kMedian applicant income
8Loans originated
1Denied
Trend in Michigan
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 9 | 8 | 0.0% | 7.63% | #521 |
| 2024 | 6 | 2 | 0.0% | 7.13% | #567 |
| 2025 | 18 | 8 | 5.6% | 7.25% | #451 |
What Mortgageone lends in Michigan
By loan purpose
By loan type
Why it denied Michigan applicants
Where in Michigan
Counties with the most Mortgageone applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Wayne County | 5 | 1 | 1 | 20.0% |
| Lenawee County | 3 | 3 | 0 | 0.0% |
| Dickinson County | 3 | 1 | 0 | 0.0% |
| Roscommon County | 2 | 0 | 0 | 0.0% |
| Monroe County | 2 | 2 | 0 | 0.0% |
| Saginaw County | 1 | 1 | 0 | 0.0% |
| Livingston County | 1 | 0 | 0 | 0.0% |
| Sanilac County | 1 | 0 | 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: 18 applications in 2025, of which 8 were originated and 1 denied.
5.6% of all applications, or 11.1% of the applications it actually decided on. The Michigan statewide average across all lenders was 18.5%.
The median rate on loans Mortgageone originated in Michigan in 2025 was 7.25%, against a statewide median of 6.75%.
About this data. Figures are Mortgageone'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