The Mortgage Link in Michigan vs the state
1.0%Denial rate-17.50 pts vs state
1.2%Decision denial rate-21.43 pts vs state
82.6%Origination rate+22.68 pts vs state
6.63%Median rate-0.13 pts vs state
0.59Rate spread (pts)+0.19 pts vs state
$82kMedian applicant income
649Loans originated
8Denied
Trend in Michigan
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 183 | 136 | 3.3% | 7.38% | #187 |
| 2024 | 704 | 537 | 1.9% | 6.63% | #90 |
| 2025 | 786 | 649 | 1.0% | 6.63% | #92 |
What The Mortgage Link lends in Michigan
By loan purpose
By loan type
Why it denied Michigan applicants
Where in Michigan
Counties with the most The Mortgage Link applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Wayne County | 477 | 391 | 5 | 1.0% |
| Oakland County | 99 | 89 | 0 | 0.0% |
| Macomb County | 76 | 64 | 1 | 1.3% |
| Monroe County | 40 | 34 | 1 | 2.5% |
| Livingston County | 22 | 19 | 0 | 0.0% |
| St. Clair County | 9 | 7 | 0 | 0.0% |
| Ingham County | 8 | 5 | 0 | 0.0% |
| Washtenaw County | 8 | 6 | 0 | 0.0% |
| Genesee County | 5 | 4 | 0 | 0.0% |
| Jackson County | 5 | 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: 786 applications in 2025, of which 649 were originated and 8 denied.
1.0% of all applications, or 1.2% of the applications it actually decided on. The Michigan statewide average across all lenders was 18.5%.
The median rate on loans The Mortgage Link originated in Michigan in 2025 was 6.63%, against a statewide median of 6.75%.
About this data. Figures are The Mortgage Link'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