Rocket Mortgage in Michigan vs the state
16.3%Denial rate-2.27 pts vs state
17.5%Decision denial rate-5.07 pts vs state
74.1%Origination rate+14.16 pts vs state
6.75%Median rate0.00 pts vs state
0.60Rate spread (pts)+0.20 pts vs state
$86kMedian applicant income
22,693Loans originated
4,979Denied
Trend in Michigan
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 20,723 | 15,128 | 17.3% | 6.75% | #2 |
| 2024 | 25,325 | 19,108 | 15.6% | 6.75% | #1 |
| 2025 | 30,644 | 22,693 | 16.3% | 6.75% | #1 |
What Rocket Mortgage lends in Michigan
By loan purpose
By loan type
Why it denied Michigan applicants
Where in Michigan
Counties with the most Rocket Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Wayne County | 6,373 | 4,686 | 1,095 | 17.2% |
| Oakland County | 4,995 | 3,915 | 610 | 12.2% |
| Macomb County | 3,388 | 2,572 | 487 | 14.4% |
| Genesee County | 1,141 | 846 | 192 | 16.8% |
| Kent County | 1,131 | 839 | 187 | 16.5% |
| Washtenaw County | 832 | 608 | 131 | 15.7% |
| Livingston County | 758 | 599 | 84 | 11.1% |
| Ingham County | 639 | 454 | 102 | 16.0% |
| St. Clair County | 622 | 464 | 85 | 13.7% |
| Monroe County | 621 | 462 | 104 | 16.7% |
Other large lenders in Michigan
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| 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% |
| Newrez | D | 4,958 | 18.5% | 6.75% |
Frequently asked questions
Michigan: 30,644 applications in 2025, of which 22,693 were originated and 4,979 denied.
16.3% of all applications, or 17.5% of the applications it actually decided on. The Michigan statewide average across all lenders was 18.5%.
The median rate on loans Rocket Mortgage originated in Michigan in 2025 was 6.75%, against a statewide median of 6.75%.
About this data. Figures are Rocket 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