Primelending, a Plainscapital in Michigan vs the state
4.7%Denial rate-13.83 pts vs state
5.3%Decision denial rate-17.26 pts vs state
76.3%Origination rate+16.41 pts vs state
6.88%Median rate+0.13 pts vs state
0.48Rate spread (pts)+0.08 pts vs state
$103kMedian applicant income
309Loans originated
19Denied
Trend in Michigan
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 583 | 456 | 3.8% | 6.99% | #93 |
| 2024 | 428 | 298 | 5.6% | 6.99% | #131 |
| 2025 | 405 | 309 | 4.7% | 6.88% | #144 |
What Primelending, a Plainscapital lends in Michigan
By loan purpose
By loan type
Why it denied Michigan applicants
Where in Michigan
Counties with the most Primelending, a Plainscapital applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Wayne County | 234 | 178 | 11 | 4.7% |
| Kalamazoo County | 46 | 39 | 1 | 2.2% |
| Macomb County | 29 | 19 | 4 | 13.8% |
| Oakland County | 27 | 20 | 0 | 0.0% |
| Van Buren County | 6 | 5 | 0 | 0.0% |
| St. Joseph County | 5 | 4 | 0 | 0.0% |
| Washtenaw County | 5 | 3 | 1 | 20.0% |
| Muskegon County | 5 | 2 | 0 | 0.0% |
| Allegan County | 5 | 5 | 0 | 0.0% |
| Kent County | 4 | 4 | 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: 405 applications in 2025, of which 309 were originated and 19 denied.
4.7% of all applications, or 5.3% of the applications it actually decided on. The Michigan statewide average across all lenders was 18.5%.
The median rate on loans Primelending, a Plainscapital originated in Michigan in 2025 was 6.88%, against a statewide median of 6.75%.
About this data. Figures are Primelending, a Plainscapital'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