Raymond James Bank in Michigan vs the state
2.0%Denial rate-16.56 pts vs state
2.4%Decision denial rate-20.14 pts vs state
78.4%Origination rate+18.54 pts vs state
5.50%Median rate-1.25 pts vs state
-0.46Rate spread (pts)-0.86 pts vs state
$510kMedian applicant income
40Loans originated
1Denied
Trend in Michigan
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 40 | 32 | 5.0% | 6.13% | #354 |
| 2024 | 39 | 30 | 15.4% | 6.00% | #369 |
| 2025 | 51 | 40 | 2.0% | 5.50% | #349 |
What Raymond James Bank lends in Michigan
By loan purpose
By loan type
Why it denied Michigan applicants
Where in Michigan
Counties with the most Raymond James Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Oakland County | 15 | 13 | 0 | 0.0% |
| Kent County | 5 | 5 | 0 | 0.0% |
| Grand Traverse County | 4 | 3 | 0 | 0.0% |
| Washtenaw County | 3 | 3 | 0 | 0.0% |
| Macomb County | 2 | 2 | 0 | 0.0% |
| Wayne County | 2 | 0 | 1 | 50.0% |
| Livingston County | 2 | 0 | 0 | 0.0% |
| Muskegon County | 2 | 1 | 0 | 0.0% |
| Antrim County | 2 | 2 | 0 | 0.0% |
| Berrien 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: 51 applications in 2025, of which 40 were originated and 1 denied.
2.0% of all applications, or 2.4% of the applications it actually decided on. The Michigan statewide average across all lenders was 18.5%.
The median rate on loans Raymond James Bank originated in Michigan in 2025 was 5.50%, against a statewide median of 6.75%.
About this data. Figures are Raymond James Bank'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