United Mortgage in Michigan vs the state
5.9%Denial rate-12.64 pts vs state
6.3%Decision denial rate-16.33 pts vs state
70.6%Origination rate+10.70 pts vs state
6.63%Median rate-0.13 pts vs state
0.49Rate spread (pts)+0.10 pts vs state
$108kMedian applicant income
24Loans originated
2Denied
Trend in Michigan
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 20 | 12 | 0.0% | 6.94% | #426 |
| 2024 | 26 | 16 | 0.0% | 6.75% | #408 |
| 2025 | 34 | 24 | 5.9% | 6.63% | #377 |
What United Mortgage lends in Michigan
By loan purpose
By loan type
Why it denied Michigan applicants
Where in Michigan
Counties with the most United Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Ottawa County | 14 | 12 | 1 | 7.1% |
| Allegan County | 5 | 3 | 1 | 20.0% |
| Kent County | 4 | 3 | 0 | 0.0% |
| Wayne County | 3 | 2 | 0 | 0.0% |
| Berrien County | 3 | 2 | 0 | 0.0% |
| Macomb County | 1 | 0 | 0 | 0.0% |
| Kalamazoo County | 1 | 1 | 0 | 0.0% |
| St. Joseph County | 1 | 0 | 0 | 0.0% |
| Hillsdale County | 1 | 0 | 0 | 0.0% |
| Cass 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: 34 applications in 2025, of which 24 were originated and 2 denied.
5.9% of all applications, or 6.3% of the applications it actually decided on. The Michigan statewide average across all lenders was 18.5%.
The median rate on loans United Mortgage originated in Michigan in 2025 was 6.63%, against a statewide median of 6.75%.
About this data. Figures are United 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