Prosperity Home Mortgage in Michigan vs the state
11.3%Denial rate-7.26 pts vs state
13.7%Decision denial rate-8.91 pts vs state
70.8%Origination rate+10.86 pts vs state
6.63%Median rate-0.13 pts vs state
0.40Rate spread (pts)+0.01 pts vs state
$77kMedian applicant income
358Loans originated
57Denied
Trend in Michigan
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 201 | 121 | 19.4% | 6.88% | #179 |
| 2024 | 328 | 211 | 14.0% | 6.63% | #154 |
| 2025 | 506 | 358 | 11.3% | 6.63% | #127 |
What Prosperity Home Mortgage lends in Michigan
By loan purpose
By loan type
Why it denied Michigan applicants
Where in Michigan
Counties with the most Prosperity Home Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| St. Joseph County | 91 | 69 | 6 | 6.6% |
| Genesee County | 63 | 45 | 7 | 11.1% |
| Oakland County | 46 | 34 | 6 | 13.0% |
| Kalamazoo County | 37 | 28 | 4 | 10.8% |
| Calhoun County | 32 | 23 | 0 | 0.0% |
| Kent County | 24 | 19 | 1 | 4.2% |
| Ingham County | 19 | 14 | 1 | 5.3% |
| Macomb County | 19 | 12 | 5 | 26.3% |
| Saginaw County | 18 | 14 | 1 | 5.6% |
| Wayne County | 17 | 6 | 5 | 29.4% |
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: 506 applications in 2025, of which 358 were originated and 57 denied.
11.3% of all applications, or 13.7% of the applications it actually decided on. The Michigan statewide average across all lenders was 18.5%.
The median rate on loans Prosperity Home Mortgage originated in Michigan in 2025 was 6.63%, against a statewide median of 6.75%.
About this data. Figures are Prosperity 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