OriginPoint in Michigan vs the state
4.1%Denial rate-14.41 pts vs state
5.7%Decision denial rate-16.92 pts vs state
67.1%Origination rate+7.23 pts vs state
6.75%Median rate0.00 pts vs state
0.36Rate spread (pts)-0.04 pts vs state
$207kMedian applicant income
49Loans originated
3Denied
What OriginPoint lends in Michigan
By loan purpose
By loan type
Why it denied Michigan applicants
Where in Michigan
Counties with the most OriginPoint applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Berrien County | 49 | 34 | 3 | 6.1% |
| Allegan County | 3 | 3 | 0 | 0.0% |
| Cass County | 2 | 1 | 0 | 0.0% |
| Wayne County | 2 | 1 | 0 | 0.0% |
| St. Joseph County | 1 | 1 | 0 | 0.0% |
| Marquette County | 1 | 1 | 0 | 0.0% |
| Oakland County | 1 | 0 | 0 | 0.0% |
| Saginaw County | 1 | 0 | 0 | 0.0% |
| Newaygo County | 1 | 1 | 0 | 0.0% |
| Leelanau 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: 73 applications in 2025, of which 49 were originated and 3 denied.
4.1% of all applications, or 5.7% of the applications it actually decided on. The Michigan statewide average across all lenders was 18.5%.
The median rate on loans OriginPoint originated in Michigan in 2025 was 6.75%, against a statewide median of 6.75%.
About this data. Figures are OriginPoint'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