Find a better mortgage lender

Macomb County, Michigan · 2025

Mortgage lenders in Macomb County, MI: denial rates and top lenders (2025)

431 lenders acted on 35,644 mortgage applications for properties in Macomb County in 2025. 19.3% were denied (Michigan: 18.5%). Median rate on closed loans 6.75%; median loan $155,000; median property value $295,000.

36kApplications
19.3%Denial ratestate 18.5%
6.75%Median ratestate 6.75%
$155,000Median loan
$295,000Median property value

Largest lenders in Macomb County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 United Shore Financial Services B 4,5573,489 11.9%6.60%
2 Rocket Mortgage C 3,3882,572 14.4%6.75%
3 Michigan Schools and Government C 1,8981,356 11.9%7.24%
4 The Huntington National Bank D 1,753957 31.0%7.59%
5 Citizens Bank C 1,240737 26.9%7.65%
6 21st Mortgage F 998237 52.0%11.21%
7 Mortgage 1 A 818681 1.8%6.63%
8 Bank of America F 729364 25.5%6.00%
9 Genisys Credit Union D 695419 19.6%7.24%
10 Flagstar Bank C 681388 14.5%6.75%
11 Fifth Third Bank D 649344 28.8%7.99%
12 Triad Financial Services D 632113 56.3%8.49%
13 Credit Union One D 600323 28.0%7.99%
14 Newrez D 584191 19.4%6.75%
15 Comerica Bank C 578257 41.4%5.99%
16 PNC Bank D 543325 25.1%5.63%
17 Union Home Mortgage B 540435 3.7%6.88%
18 JPMorgan Chase Bank B 512292 11.5%6.63%
19 Guaranteed Rate B 493287 7.3%6.63%
20 First State Bank A 427378 5.2%6.63%
21 Mortgage Center L.c C 398304 4.3%6.56%
22 The Loan Store B 383247 15.1%6.99%
23 Lake Michigan Credit Union A 338259 6.8%6.50%
24 Coastal Community Bank C 33669 1.8%9.99%
25 Mortgage Research Center C 335157 19.1%6.25%

Best approval odds in Macomb County

Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.

#LenderDecidedDecision denial rate
1University Bank630.0%
2The Mortgage Link691.5%
3Superior National Bank1361.5%
4M/i Financial591.7%
5Mortgage 17342.0%
6Coastal Community Bank2262.7%
7Polish-American Federal Credit Union553.6%
8Vibe Credit Union504.0%
9Michigan Mutual984.1%
10Union Home Mortgage4684.3%

What Macomb County borrowers applied for

By loan purpose

Home purchase 14,866 42% · 13.9% denied
Refinance 6,042 17% · 16.8% denied
Cash-out refinance 6,300 18% · 21.2% denied
Home improvement 3,630 10% · 28.8% denied
Other / HELOC 4,806 13% · 29.3% denied

By loan type

Conventional 29,619 83% · 19.3% denied
FHA 4,275 12% · 21.5% denied
VA 1,737 5% · 12.8% denied
USDA / RHS 13 0% · 0.0% denied

Why applications were denied

Debt-to-income ratio 2,428 35%
Credit history 1,941 28%
Collateral 829 12%
Incomplete application 723 11%
Other 457 7%
Unverifiable information 203 3%
Insufficient cash 182 3%
Employment history 79 1%

Macomb County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
202330,04817,80421.1%7.00%$135,000
202432,29819,34620.3%6.99%$145,000
202535,64421,47519.3%6.75%$155,000

Frequently asked questions

19.3% of applications in Macomb County were denied in 2025, against 18.5% statewide in Michigan.

United Shore Financial Services, with 4,557 applications in 2025 and a denial rate of 11.9%.

The median mortgage application in Macomb County in 2025 was for $155,000; the median property value on originated loans was $295,000.