Nations Lending in Michigan vs the state
22.1%Denial rate+3.56 pts vs state
23.9%Decision denial rate+1.36 pts vs state
62.3%Origination rate+2.45 pts vs state
6.38%Median rate-0.38 pts vs state
0.39Rate spread (pts)-0.01 pts vs state
$70kMedian applicant income
48Loans originated
17Denied
Trend in Michigan
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 150 | 113 | 8.0% | 6.38% | #221 |
| 2024 | 65 | 36 | 21.5% | 6.31% | #325 |
| 2025 | 77 | 48 | 22.1% | 6.38% | #304 |
What Nations Lending lends in Michigan
By loan purpose
By loan type
Why it denied Michigan applicants
Where in Michigan
Counties with the most Nations Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Wayne County | 9 | 5 | 2 | 22.2% |
| Kent County | 5 | 3 | 2 | 40.0% |
| Calhoun County | 5 | 3 | 1 | 20.0% |
| Macomb County | 5 | 3 | 1 | 20.0% |
| Eaton County | 3 | 2 | 1 | 33.3% |
| Clare County | 3 | 1 | 0 | 0.0% |
| Jackson County | 2 | 1 | 1 | 50.0% |
| Oakland County | 2 | 1 | 1 | 50.0% |
| Genesee County | 2 | 0 | 1 | 50.0% |
| St. Joseph County | 2 | 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: 77 applications in 2025, of which 48 were originated and 17 denied.
22.1% of all applications, or 23.9% of the applications it actually decided on. The Michigan statewide average across all lenders was 18.5%.
The median rate on loans Nations Lending originated in Michigan in 2025 was 6.38%, against a statewide median of 6.75%.
About this data. Figures are Nations 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