Sun West Mortgage Company in Michigan vs the state
15.6%Denial rate-2.91 pts vs state
18.3%Decision denial rate-4.27 pts vs state
48.0%Origination rate-11.91 pts vs state
6.25%Median rate-0.50 pts vs state
0.36Rate spread (pts)-0.04 pts vs state
$74kMedian applicant income
166Loans originated
54Denied
Trend in Michigan
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 206 | 67 | 34.0% | 7.00% | #176 |
| 2024 | 178 | 64 | 24.7% | 6.60% | #203 |
| 2025 | 346 | 166 | 15.6% | 6.25% | #158 |
What Sun West Mortgage Company lends in Michigan
By loan purpose
By loan type
Why it denied Michigan applicants
Where in Michigan
Counties with the most Sun West Mortgage Company applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Wayne County | 102 | 42 | 23 | 22.5% |
| Macomb County | 45 | 21 | 6 | 13.3% |
| Oakland County | 40 | 17 | 6 | 15.0% |
| Kent County | 13 | 8 | 2 | 15.4% |
| Ingham County | 12 | 7 | 1 | 8.3% |
| Genesee County | 11 | 5 | 1 | 9.1% |
| Bay County | 9 | 4 | 2 | 22.2% |
| St. Clair County | 9 | 6 | 2 | 22.2% |
| Livingston County | 8 | 5 | 1 | 12.5% |
| Muskegon County | 6 | 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: 346 applications in 2025, of which 166 were originated and 54 denied.
15.6% of all applications, or 18.3% of the applications it actually decided on. The Michigan statewide average across all lenders was 18.5%.
The median rate on loans Sun West Mortgage Company originated in Michigan in 2025 was 6.25%, against a statewide median of 6.75%.
About this data. Figures are Sun West Mortgage Company'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