Zillow Home Loans in Michigan vs the state
5.1%Denial rate-13.41 pts vs state
6.6%Decision denial rate-16.00 pts vs state
71.1%Origination rate+11.25 pts vs state
6.63%Median rate-0.13 pts vs state
0.55Rate spread (pts)+0.16 pts vs state
$86kMedian applicant income
599Loans originated
43Denied
Trend in Michigan
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 232 | 162 | 3.9% | 6.94% | #165 |
| 2024 | 296 | 186 | 9.5% | 6.88% | #166 |
| 2025 | 842 | 599 | 5.1% | 6.63% | #85 |
What Zillow Home Loans lends in Michigan
By loan purpose
By loan type
Why it denied Michigan applicants
Where in Michigan
Counties with the most Zillow Home Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Oakland County | 168 | 123 | 7 | 4.2% |
| Wayne County | 168 | 116 | 9 | 5.4% |
| Macomb County | 106 | 77 | 7 | 6.6% |
| Genesee County | 58 | 40 | 5 | 8.6% |
| Washtenaw County | 31 | 23 | 0 | 0.0% |
| Kent County | 30 | 23 | 0 | 0.0% |
| Livingston County | 21 | 15 | 0 | 0.0% |
| Calhoun County | 18 | 12 | 1 | 5.6% |
| Ingham County | 17 | 10 | 1 | 5.9% |
| St. Clair County | 13 | 9 | 1 | 7.7% |
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: 842 applications in 2025, of which 599 were originated and 43 denied.
5.1% of all applications, or 6.6% of the applications it actually decided on. The Michigan statewide average across all lenders was 18.5%.
The median rate on loans Zillow Home Loans originated in Michigan in 2025 was 6.63%, against a statewide median of 6.75%.
About this data. Figures are Zillow Home Loans'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