Stifel Bank and Trust in Michigan vs the state
1.0%Denial rate-17.54 pts vs state
1.1%Decision denial rate-21.49 pts vs state
88.2%Origination rate+28.35 pts vs state
6.13%Median rate-0.63 pts vs state
0.06Rate spread (pts)-0.34 pts vs state
$194kMedian applicant income
90Loans originated
1Denied
Trend in Michigan
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 72 | 60 | 5.6% | 6.13% | #301 |
| 2024 | 62 | 48 | 8.1% | 6.25% | #327 |
| 2025 | 102 | 90 | 1.0% | 6.13% | #274 |
What Stifel Bank and Trust lends in Michigan
By loan purpose
By loan type
Why it denied Michigan applicants
Where in Michigan
Counties with the most Stifel Bank and Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Oakland County | 19 | 17 | 0 | 0.0% |
| Kent County | 9 | 9 | 0 | 0.0% |
| Ottawa County | 7 | 7 | 0 | 0.0% |
| Wayne County | 7 | 3 | 0 | 0.0% |
| Macomb County | 6 | 6 | 0 | 0.0% |
| Genesee County | 5 | 5 | 0 | 0.0% |
| Kalamazoo County | 5 | 5 | 0 | 0.0% |
| Washtenaw County | 5 | 4 | 0 | 0.0% |
| Allegan County | 4 | 4 | 0 | 0.0% |
| Grand Traverse County | 3 | 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: 102 applications in 2025, of which 90 were originated and 1 denied.
1.0% of all applications, or 1.1% of the applications it actually decided on. The Michigan statewide average across all lenders was 18.5%.
The median rate on loans Stifel Bank and Trust originated in Michigan in 2025 was 6.13%, against a statewide median of 6.75%.
About this data. Figures are Stifel Bank and Trust'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