United Shore Financial Services in Michigan vs the state
11.7%Denial rate-6.78 pts vs state
13.3%Decision denial rate-9.29 pts vs state
75.1%Origination rate+15.17 pts vs state
6.60%Median rate-0.15 pts vs state
0.29Rate spread (pts)-0.11 pts vs state
$86kMedian applicant income
22,015Loans originated
3,442Denied
Trend in Michigan
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 18,800 | 14,511 | 10.8% | 6.98% | #3 |
| 2024 | 23,815 | 18,328 | 11.3% | 6.75% | #2 |
| 2025 | 29,330 | 22,015 | 11.7% | 6.60% | #2 |
What United Shore Financial Services lends in Michigan
By loan purpose
By loan type
Why it denied Michigan applicants
Where in Michigan
Counties with the most United Shore Financial Services applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Wayne County | 7,328 | 5,312 | 1,054 | 14.4% |
| Oakland County | 5,865 | 4,594 | 557 | 9.5% |
| Macomb County | 4,557 | 3,489 | 542 | 11.9% |
| Kent County | 1,137 | 881 | 111 | 9.8% |
| Genesee County | 1,034 | 748 | 124 | 12.0% |
| Washtenaw County | 683 | 548 | 58 | 8.5% |
| Livingston County | 620 | 500 | 55 | 8.9% |
| Ottawa County | 469 | 362 | 55 | 11.7% |
| Ingham County | 466 | 332 | 69 | 14.8% |
| St. Clair County | 412 | 284 | 45 | 10.9% |
Other large lenders in Michigan
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 30,644 | 16.3% | 6.75% |
| 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% |
| Newrez | D | 4,958 | 18.5% | 6.75% |
Frequently asked questions
Michigan: 29,330 applications in 2025, of which 22,015 were originated and 3,442 denied.
11.7% of all applications, or 13.3% of the applications it actually decided on. The Michigan statewide average across all lenders was 18.5%.
The median rate on loans United Shore Financial Services originated in Michigan in 2025 was 6.60%, against a statewide median of 6.75%.
About this data. Figures are United Shore Financial Services'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