Michigan Mutual, Inc. mortgage approval rate & lending review
Michigan Mutual, Inc. decided 10,610 mortgage applications and funded 7,348 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Michigan Mutual, Inc. reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Michigan Mutual, Inc. at a glance
Approval is 5.1 points above the 83.8% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 91% | 6,630 / 7,319 | 80% | $255K | 5,285 |
| Cash-out refinance | 86% | 1,200 / 1,399 | 73% | $235K | 881 |
| Refinance | 87% | 625 / 716 | 70% | $275K | 436 |
| Investment property purchase | 87% | 660 / 761 | 78% | $165K | 518 |
| Investment cash-out refinance | 78% | 242 / 309 | 72% | $155K | 175 |
| Investment refinance | 72% | 76 / 105 | 68% | $255K | 52 |
Michigan Mutual, Inc. lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Michigan | 92% | $185K | 3,102 | 2,363 |
| Florida | 87% | $315K | 1,464 | 972 |
| California | 88% | $445K | 978 | 636 |
| Texas | 87% | $255K | 720 | 404 |
| Pennsylvania | 91% | $195K | 602 | 431 |
| North Carolina | 92% | $255K | 532 | 382 |
| Arizona | 91% | $375K | 428 | 332 |
| Indiana | 89% | $215K | 324 | 228 |
| Ohio | 88% | $195K | 314 | 211 |
| Maryland | 86% | $225K | 281 | 181 |
| Illinois | 80% | $255K | 255 | 153 |
| Colorado | 81% | $375K | 237 | 133 |
| South Carolina | 88% | $255K | 146 | 101 |
| Georgia | 85% | $315K | 134 | 73 |
| New Jersey | 89% | $355K | 101 | 77 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Michigan Mutual, Inc. lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| St. Clair County, MI | Mortgage lenders | 97% | 675 | 552 |
| Macomb County, MI | Mortgage lenders | 91% | 412 | 318 |
| Oakland County, MI | Mortgage lenders | 95% | 362 | 276 |
| Wayne County, MI | Mortgage lenders | 85% | 386 | 257 |
| Kern County, CA | Mortgage lenders | 95% | 230 | 176 |
| Wayne County, NC | Mortgage lenders | 95% | 112 | 92 |
| Kent County, MI | Mortgage lenders | 91% | 80 | 68 |
| Genesee County, MI | Mortgage lenders | 87% | 95 | 67 |
| Kalamazoo County, MI | Mortgage lenders | 92% | 64 | 51 |
| Ingham County, MI | Mortgage lenders | 100% | 52 | 50 |
| Scott County, IA | Mortgage lenders | 95% | 59 | 47 |
| Luzerne County, PA | Mortgage lenders | 94% | 54 | 41 |
The county markets where Michigan Mutual, Inc. made the most loans. Each link opens that market with every lender ranked.
Questions about Michigan Mutual, Inc.
What is Michigan Mutual, Inc.'s mortgage approval rate?
Michigan Mutual, Inc. approved 88.9% of the 10,610 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 5.1 points above the 83.8% national rate for the same mix of loan types.
How often do borrowers take the loan Michigan Mutual, Inc. offers?
Borrowers accepted 78% of the loans Michigan Mutual, Inc. approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Michigan Mutual, Inc. make?
The typical home purchase mortgage loan Michigan Mutual, Inc. made was $255K; across all loan types its typical loan ran from $155K to $275K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Michigan Mutual, Inc. lend?
Michigan Mutual, Inc. decided applications in 39 of the states Fat Boy Data covers, most of them in Michigan, Florida and California.
Can I apply to Michigan Mutual, Inc. directly?
Yes. Michigan Mutual, Inc. reports as a direct lender that takes applications from borrowers.
Does this page show Michigan Mutual, Inc.'s interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Michigan Mutual, Inc. treats applications, then get a rate quote from the lender.