South River Mortgage in Michigan vs the state
1.6%Denial rate-16.91 pts vs state
3.3%Decision denial rate-19.25 pts vs state
46.8%Origination rate-13.12 pts vs state
8.99%Median rate+2.24 pts vs state
—Rate spread (pts)
$25kMedian applicant income
29Loans originated
1Denied
What South River Mortgage lends in Michigan
By loan purpose
By loan type
Why it denied Michigan applicants
Where in Michigan
Counties with the most South River Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Oakland County | 8 | 4 | 0 | 0.0% |
| Wayne County | 7 | 4 | 0 | 0.0% |
| Livingston County | 4 | 2 | 1 | 25.0% |
| Genesee County | 4 | 1 | 0 | 0.0% |
| Otsego County | 3 | 1 | 0 | 0.0% |
| Ottawa County | 3 | 2 | 0 | 0.0% |
| Barry County | 2 | 0 | 0 | 0.0% |
| Bay County | 2 | 0 | 0 | 0.0% |
| Macomb County | 2 | 2 | 0 | 0.0% |
| Muskegon County | 2 | 2 | 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: 62 applications in 2025, of which 29 were originated and 1 denied.
1.6% of all applications, or 3.3% of the applications it actually decided on. The Michigan statewide average across all lenders was 18.5%.
The median rate on loans South River Mortgage originated in Michigan in 2025 was 8.99%, against a statewide median of 6.75%.
About this data. Figures are South River 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