UIF in Michigan vs the state
10.4%Denial rate-8.09 pts vs state
12.9%Decision denial rate-9.70 pts vs state
69.6%Origination rate+9.74 pts vs state
6.88%Median rate+0.13 pts vs state
0.42Rate spread (pts)+0.02 pts vs state
$84kMedian applicant income
227Loans originated
34Denied
Trend in Michigan
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 321 | 230 | 7.2% | 6.99% | #145 |
| 2024 | 330 | 244 | 8.8% | 6.99% | #153 |
| 2025 | 326 | 227 | 10.4% | 6.88% | #166 |
What UIF lends in Michigan
By loan purpose
By loan type
Why it denied Michigan applicants
Where in Michigan
Counties with the most UIF applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Macomb County | 142 | 105 | 15 | 10.6% |
| Wayne County | 107 | 70 | 11 | 10.3% |
| Oakland County | 34 | 22 | 1 | 2.9% |
| Ingham County | 15 | 7 | 5 | 33.3% |
| Washtenaw County | 12 | 8 | 2 | 16.7% |
| Genesee County | 6 | 6 | 0 | 0.0% |
| Branch County | 4 | 4 | 0 | 0.0% |
| Kalamazoo County | 2 | 1 | 0 | 0.0% |
| Clinton County | 1 | 1 | 0 | 0.0% |
| Antrim County | 1 | 1 | 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: 326 applications in 2025, of which 227 were originated and 34 denied.
10.4% of all applications, or 12.9% of the applications it actually decided on. The Michigan statewide average across all lenders was 18.5%.
The median rate on loans UIF originated in Michigan in 2025 was 6.88%, against a statewide median of 6.75%.
About this data. Figures are UIF'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