Ross Mortgage in Michigan vs the state
2.5%Denial rate-16.07 pts vs state
2.9%Decision denial rate-19.67 pts vs state
80.6%Origination rate+20.73 pts vs state
6.63%Median rate-0.13 pts vs state
0.41Rate spread (pts)+0.01 pts vs state
$96kMedian applicant income
624Loans originated
19Denied
Trend in Michigan
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 694 | 594 | 3.2% | 6.88% | #87 |
| 2024 | 786 | 629 | 3.1% | 6.88% | #85 |
| 2025 | 774 | 624 | 2.5% | 6.63% | #94 |
What Ross Mortgage lends in Michigan
By loan purpose
By loan type
Why it denied Michigan applicants
Where in Michigan
Counties with the most Ross Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Oakland County | 244 | 201 | 3 | 1.2% |
| Wayne County | 202 | 165 | 5 | 2.5% |
| Genesee County | 82 | 71 | 1 | 1.2% |
| Macomb County | 81 | 63 | 3 | 3.7% |
| St. Clair County | 40 | 26 | 4 | 10.0% |
| Livingston County | 22 | 19 | 0 | 0.0% |
| Lapeer County | 14 | 11 | 0 | 0.0% |
| Saginaw County | 12 | 10 | 0 | 0.0% |
| Jackson County | 9 | 7 | 1 | 11.1% |
| Monroe County | 8 | 7 | 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: 774 applications in 2025, of which 624 were originated and 19 denied.
2.5% of all applications, or 2.9% of the applications it actually decided on. The Michigan statewide average across all lenders was 18.5%.
The median rate on loans Ross Mortgage originated in Michigan in 2025 was 6.63%, against a statewide median of 6.75%.
About this data. Figures are Ross 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