Union Home Mortgage in Michigan vs the state
4.3%Denial rate-14.18 pts vs state
5.2%Decision denial rate-17.42 pts vs state
77.7%Origination rate+17.76 pts vs state
6.75%Median rate0.00 pts vs state
0.59Rate spread (pts)+0.19 pts vs state
$88kMedian applicant income
4,118Loans originated
230Denied
Trend in Michigan
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 3,039 | 2,395 | 2.6% | 7.13% | #25 |
| 2024 | 4,407 | 3,428 | 4.3% | 7.00% | #13 |
| 2025 | 5,303 | 4,118 | 4.3% | 6.75% | #9 |
What Union Home Mortgage lends in Michigan
By loan purpose
By loan type
Why it denied Michigan applicants
Where in Michigan
Counties with the most Union Home Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Macomb County | 540 | 435 | 20 | 3.7% |
| Oakland County | 498 | 406 | 13 | 2.6% |
| Wayne County | 498 | 368 | 36 | 7.2% |
| Ingham County | 442 | 359 | 13 | 2.9% |
| St. Clair County | 436 | 376 | 12 | 2.8% |
| Monroe County | 214 | 154 | 17 | 7.9% |
| Eaton County | 212 | 157 | 11 | 5.2% |
| Berrien County | 198 | 163 | 5 | 2.5% |
| Calhoun County | 160 | 123 | 10 | 6.3% |
| Livingston County | 156 | 115 | 3 | 1.9% |
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% |
| PNC Bank | D | 5,161 | 26.3% | 7.36% |
| Newrez | D | 4,958 | 18.5% | 6.75% |
Frequently asked questions
Michigan: 5,303 applications in 2025, of which 4,118 were originated and 230 denied.
4.3% of all applications, or 5.2% of the applications it actually decided on. The Michigan statewide average across all lenders was 18.5%.
The median rate on loans Union Home Mortgage originated in Michigan in 2025 was 6.75%, against a statewide median of 6.75%.
About this data. Figures are Union Home Mortgage'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