Nations Direct Mortgage in Michigan vs the state
11.5%Denial rate-7.04 pts vs state
16.7%Decision denial rate-5.91 pts vs state
57.4%Origination rate-2.51 pts vs state
6.99%Median rate+0.24 pts vs state
0.78Rate spread (pts)+0.38 pts vs state
$102kMedian applicant income
35Loans originated
7Denied
Trend in Michigan
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 174 | 87 | 18.4% | 7.25% | #194 |
| 2024 | 131 | 73 | 6.9% | 7.38% | #242 |
| 2025 | 61 | 35 | 11.5% | 6.99% | #331 |
What Nations Direct Mortgage lends in Michigan
By loan purpose
By loan type
Why it denied Michigan applicants
Where in Michigan
Counties with the most Nations Direct Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Macomb County | 24 | 14 | 5 | 20.8% |
| Wayne County | 8 | 5 | 0 | 0.0% |
| Oakland County | 5 | 1 | 0 | 0.0% |
| Charlevoix County | 3 | 2 | 0 | 0.0% |
| Kent County | 3 | 2 | 0 | 0.0% |
| Lenawee County | 3 | 2 | 0 | 0.0% |
| Washtenaw County | 2 | 2 | 0 | 0.0% |
| Kalamazoo County | 2 | 2 | 0 | 0.0% |
| Livingston County | 2 | 1 | 1 | 50.0% |
| Allegan County | 2 | 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: 61 applications in 2025, of which 35 were originated and 7 denied.
11.5% of all applications, or 16.7% of the applications it actually decided on. The Michigan statewide average across all lenders was 18.5%.
The median rate on loans Nations Direct Mortgage originated in Michigan in 2025 was 6.99%, against a statewide median of 6.75%.
About this data. Figures are Nations Direct 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