The Dart Bank in Michigan vs the state
6.4%Denial rate-12.14 pts vs state
7.9%Decision denial rate-14.72 pts vs state
73.8%Origination rate+13.89 pts vs state
6.75%Median rate0.00 pts vs state
0.29Rate spread (pts)-0.11 pts vs state
$122kMedian applicant income
2,600Loans originated
225Denied
Trend in Michigan
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 2,194 | 1,656 | 4.7% | 6.88% | #33 |
| 2024 | 2,769 | 2,078 | 4.8% | 6.75% | #29 |
| 2025 | 3,524 | 2,600 | 6.4% | 6.75% | #23 |
What The Dart Bank lends in Michigan
By loan purpose
By loan type
Why it denied Michigan applicants
Where in Michigan
Counties with the most The Dart Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Ingham County | 757 | 545 | 53 | 7.0% |
| Clinton County | 286 | 217 | 22 | 7.7% |
| Eaton County | 267 | 196 | 19 | 7.1% |
| Jackson County | 224 | 175 | 6 | 2.7% |
| Kent County | 177 | 124 | 12 | 6.8% |
| Washtenaw County | 153 | 116 | 5 | 3.3% |
| Oakland County | 151 | 124 | 5 | 3.3% |
| Livingston County | 148 | 122 | 2 | 1.4% |
| Ottawa County | 147 | 107 | 8 | 5.4% |
| Genesee County | 123 | 82 | 7 | 5.7% |
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: 3,524 applications in 2025, of which 2,600 were originated and 225 denied.
6.4% of all applications, or 7.9% of the applications it actually decided on. The Michigan statewide average across all lenders was 18.5%.
The median rate on loans The Dart Bank originated in Michigan in 2025 was 6.75%, against a statewide median of 6.75%.
About this data. Figures are The Dart 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