Plaza Home Mortgage in Michigan vs the state
25.0%Denial rate+6.51 pts vs state
27.7%Decision denial rate+5.08 pts vs state
63.7%Origination rate+3.83 pts vs state
6.63%Median rate-0.13 pts vs state
0.40Rate spread (pts)+0.01 pts vs state
$85kMedian applicant income
555Loans originated
218Denied
Trend in Michigan
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 459 | 274 | 15.3% | 6.99% | #116 |
| 2024 | 697 | 437 | 22.7% | 6.99% | #91 |
| 2025 | 871 | 555 | 25.0% | 6.63% | #83 |
What Plaza Home Mortgage lends in Michigan
By loan purpose
By loan type
Why it denied Michigan applicants
Where in Michigan
Counties with the most Plaza Home Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Wayne County | 160 | 85 | 51 | 31.9% |
| Oakland County | 155 | 108 | 28 | 18.1% |
| Macomb County | 144 | 100 | 33 | 22.9% |
| Genesee County | 70 | 50 | 15 | 21.4% |
| St. Clair County | 36 | 25 | 8 | 22.2% |
| Lapeer County | 27 | 21 | 4 | 14.8% |
| Livingston County | 22 | 16 | 5 | 22.7% |
| Washtenaw County | 18 | 12 | 5 | 27.8% |
| Lenawee County | 17 | 8 | 6 | 35.3% |
| Kent County | 15 | 8 | 6 | 40.0% |
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: 871 applications in 2025, of which 555 were originated and 218 denied.
25.0% of all applications, or 27.7% of the applications it actually decided on. The Michigan statewide average across all lenders was 18.5%.
The median rate on loans Plaza Home Mortgage originated in Michigan in 2025 was 6.63%, against a statewide median of 6.75%.
About this data. Figures are Plaza Home 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