Stockton Mortgage in Michigan vs the state
9.7%Denial rate-8.87 pts vs state
15.4%Decision denial rate-7.20 pts vs state
53.1%Origination rate-6.82 pts vs state
6.75%Median rate0.00 pts vs state
0.56Rate spread (pts)+0.16 pts vs state
$80kMedian applicant income
121Loans originated
22Denied
Trend in Michigan
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 133 | 76 | 8.3% | 6.75% | #234 |
| 2024 | 205 | 108 | 5.9% | 6.75% | #190 |
| 2025 | 228 | 121 | 9.7% | 6.75% | #195 |
What Stockton Mortgage lends in Michigan
By loan purpose
By loan type
Why it denied Michigan applicants
Where in Michigan
Counties with the most Stockton Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Oakland County | 49 | 27 | 0 | 0.0% |
| Wayne County | 34 | 16 | 6 | 17.6% |
| Macomb County | 25 | 16 | 1 | 4.0% |
| Lapeer County | 10 | 6 | 0 | 0.0% |
| Emmet County | 9 | 5 | 0 | 0.0% |
| Livingston County | 7 | 5 | 0 | 0.0% |
| Genesee County | 6 | 5 | 0 | 0.0% |
| Sanilac County | 6 | 2 | 1 | 16.7% |
| Saginaw County | 6 | 4 | 0 | 0.0% |
| Charlevoix County | 5 | 4 | 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: 228 applications in 2025, of which 121 were originated and 22 denied.
9.7% of all applications, or 15.4% of the applications it actually decided on. The Michigan statewide average across all lenders was 18.5%.
The median rate on loans Stockton Mortgage originated in Michigan in 2025 was 6.75%, against a statewide median of 6.75%.
About this data. Figures are Stockton 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