Royal United Mortgage in Michigan vs the state
28.9%Denial rate+10.33 pts vs state
33.6%Decision denial rate+10.97 pts vs state
54.7%Origination rate-5.22 pts vs state
6.75%Median rate0.00 pts vs state
1.02Rate spread (pts)+0.62 pts vs state
$41kMedian applicant income
199Loans originated
105Denied
Trend in Michigan
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 419 | 230 | 31.3% | 7.00% | #122 |
| 2024 | 488 | 267 | 30.5% | 6.88% | #116 |
| 2025 | 364 | 199 | 28.9% | 6.75% | #154 |
What Royal United Mortgage lends in Michigan
By loan purpose
By loan type
Why it denied Michigan applicants
Where in Michigan
Counties with the most Royal United Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Wayne County | 84 | 40 | 24 | 28.6% |
| Genesee County | 23 | 12 | 10 | 43.5% |
| Macomb County | 15 | 8 | 4 | 26.7% |
| Oakland County | 14 | 8 | 2 | 14.3% |
| Kent County | 14 | 7 | 6 | 42.9% |
| Jackson County | 12 | 9 | 1 | 8.3% |
| Calhoun County | 12 | 6 | 4 | 33.3% |
| Saginaw County | 12 | 6 | 4 | 33.3% |
| Berrien County | 11 | 8 | 2 | 18.2% |
| Ingham County | 11 | 7 | 2 | 18.2% |
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: 364 applications in 2025, of which 199 were originated and 105 denied.
28.9% of all applications, or 33.6% of the applications it actually decided on. The Michigan statewide average across all lenders was 18.5%.
The median rate on loans Royal United Mortgage originated in Michigan in 2025 was 6.75%, against a statewide median of 6.75%.
About this data. Figures are Royal United 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