Staunton Financial in Michigan vs the state
4.4%Denial rate-14.14 pts vs state
4.8%Decision denial rate-17.83 pts vs state
87.3%Origination rate+27.40 pts vs state
6.63%Median rate-0.13 pts vs state
0.31Rate spread (pts)-0.08 pts vs state
$99kMedian applicant income
2,473Loans originated
124Denied
Trend in Michigan
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 2,012 | 1,715 | 3.8% | 6.63% | #36 |
| 2024 | 2,394 | 2,113 | 3.6% | 6.63% | #37 |
| 2025 | 2,833 | 2,473 | 4.4% | 6.63% | #35 |
What Staunton Financial lends in Michigan
By loan purpose
By loan type
Why it denied Michigan applicants
Where in Michigan
Counties with the most Staunton Financial applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Oakland County | 740 | 632 | 31 | 4.2% |
| Wayne County | 582 | 520 | 26 | 4.5% |
| Washtenaw County | 239 | 219 | 5 | 2.1% |
| Macomb County | 205 | 180 | 9 | 4.4% |
| Bay County | 170 | 150 | 5 | 2.9% |
| Livingston County | 125 | 103 | 8 | 6.4% |
| Saginaw County | 104 | 97 | 3 | 2.9% |
| Midland County | 93 | 87 | 2 | 2.2% |
| Jackson County | 76 | 63 | 2 | 2.6% |
| Genesee County | 48 | 45 | 2 | 4.2% |
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: 2,833 applications in 2025, of which 2,473 were originated and 124 denied.
4.4% of all applications, or 4.8% of the applications it actually decided on. The Michigan statewide average across all lenders was 18.5%.
The median rate on loans Staunton Financial originated in Michigan in 2025 was 6.63%, against a statewide median of 6.75%.
About this data. Figures are Staunton Financial'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