Sunflower Bank in Michigan vs the state
6.9%Denial rate-11.62 pts vs state
8.1%Decision denial rate-14.50 pts vs state
78.5%Origination rate+18.56 pts vs state
6.63%Median rate-0.13 pts vs state
0.39Rate spread (pts)-0.01 pts vs state
$120kMedian applicant income
91Loans originated
8Denied
Trend in Michigan
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 105 | 75 | 1.9% | 6.99% | #260 |
| 2024 | 98 | 75 | 4.1% | 6.99% | #268 |
| 2025 | 116 | 91 | 6.9% | 6.63% | #256 |
What Sunflower Bank lends in Michigan
By loan purpose
By loan type
Why it denied Michigan applicants
Where in Michigan
Counties with the most Sunflower Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Genesee County | 53 | 38 | 6 | 11.3% |
| Oakland County | 15 | 14 | 0 | 0.0% |
| Livingston County | 5 | 4 | 0 | 0.0% |
| Wayne County | 5 | 5 | 0 | 0.0% |
| Kent County | 4 | 2 | 1 | 25.0% |
| Saginaw County | 3 | 3 | 0 | 0.0% |
| Gladwin County | 3 | 3 | 0 | 0.0% |
| Lapeer County | 3 | 3 | 0 | 0.0% |
| Washtenaw County | 3 | 2 | 0 | 0.0% |
| Macomb County | 2 | 1 | 1 | 50.0% |
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: 116 applications in 2025, of which 91 were originated and 8 denied.
6.9% of all applications, or 8.1% of the applications it actually decided on. The Michigan statewide average across all lenders was 18.5%.
The median rate on loans Sunflower Bank originated in Michigan in 2025 was 6.63%, against a statewide median of 6.75%.
About this data. Figures are Sunflower Bank'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