Michigan · HMDA 2025
Mortgage lenders in Alpena County, MI
110 lenders reported 658 home-loan applications in Alpena County in 2025. 359 closed as loans ($59.3M), 111 were denied — a 22.4% denial rate on decided applications, close to the Michigan rate of 22.4%. The three most active lenders handled 33% of applications, led by Rocket Mortgage, LLC. 9 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 658
- Loans originated
- 359
- Purchase / refinance
- 195 / 110
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Alpena County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | Rocket Mortgage, LLC | 90 | 13.7% | — |
| 2 | UNITED SHORE FINANCIAL SERVICES, LLC | 73 | 11.1% | — |
| 3 | The Huntington National Bank 59 out of 100, Moderate | 53 | 8.1% | 31.6% |
| 4 | Neighborhood Mortgage Solutions | 28 | 4.3% | — |
| 5 | Mortgage Research Center, LLC | 26 | 4.0% | — |
| 6 | STAUNTON FINANCIAL, INC. | 23 | 3.5% | — |
| 7 | Nicolet National Bank 64 out of 100, Moderate | 21 | 3.2% | 4.5% |
| 8 | COMMUNITY FINANCIAL CREDIT UNION | 21 | 3.2% | — |
| 9 | NEWREZ LLC | 18 | 2.7% | — |
| 10 | Navy Federal Credit Union 66 out of 100, Moderate | 12 | 1.8% | 32.9% |
| 11 | Broker Solutions, Inc. | 11 | 1.7% | — |
| 12 | NATIONSTAR MORTGAGE LLC | 10 | 1.5% | — |
| 13 | KIND LENDING, LLC | 10 | 1.5% | — |
| 14 | NEW DAY FINANCIAL, LLC | 10 | 1.5% | — |
| 15 | GreenStone Farm Credit Services, FLCA | 9 | 1.4% | — |
| 16 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 8 | 1.2% | 14.1% |
| 17 | AmeriSave Mortgage Corporation | 8 | 1.2% | — |
| 18 | FIGURE LENDING LLC | 8 | 1.2% | — |
| 19 | CARRINGTON MORTGAGE SERVICES, LLC | 8 | 1.2% | — |
| 20 | Loandepot.Com, LLC | 7 | 1.1% | — |
| 21 | PENNYMAC LOAN SERVICES, LLC | 7 | 1.1% | — |
| 22 | PNC Bank, National Association 62 out of 100, Moderate | 7 | 1.1% | 33.8% |
| 23 | UNION HOME MORTGAGE CORP. | 7 | 1.1% | — |
| 24 | Coastal Community Bank 35 out of 100, Low | 7 | 1.1% | 3.0% |
| 25 | HomePromise Corporation | 6 | 0.9% | — |
| 26 | PLANET HOME LENDING, LLC | 6 | 0.9% | — |
| 27 | MORTGAGE SOLUTIONS OF COLORADO, LLC | 6 | 0.9% | — |
| 28 | GUARANTEED RATE, INC. | 5 | 0.8% | — |
| 29 | CROSSCOUNTRY MORTGAGE, INC. | 5 | 0.8% | — |
| 30 | FREEDOM MORTGAGE CORPORATION | 5 | 0.8% | — |
| 31 | EVERETT FINANCIAL, INC. | 5 | 0.8% | — |
| 32 | Fifth Third Bank, National Association 62 out of 100, Moderate | 5 | 0.8% | 34.0% |
| 33 | SPRING EQ, LLC | 4 | 0.6% | — |
| 34 | Cornerstone First Mortgage, Inc | 4 | 0.6% | — |
| 35 | AMERIHOME MORTGAGE COMPANY, LLC | 4 | 0.6% | — |
| 36 | MICHIGAN STATE UNIVERSITY Federal Credit Union 51 out of 100, Below average | 4 | 0.6% | 20.6% |
| 37 | Kiavi Funding, Inc. | 4 | 0.6% | — |
| 38 | MORTGAGE 1 INCORPORATED | 4 | 0.6% | — |
| 39 | MORTGAGE CENTER L.C | 4 | 0.6% | — |
| 40 | USAA Federal Savings Bank 64 out of 100, Moderate | 4 | 0.6% | 37.2% |
Top 40 of 110 lenders shown. Denial rates are each lender's nationwide figure for 2025, available for banks and credit unions we profile.
Other counties in Michigan
- Wayne County 66,469 apps
- Oakland County 55,675 apps
- Macomb County 38,549 apps
- Kent County 28,383 apps
- Genesee County 16,559 apps
- Ottawa County 12,741 apps
- Washtenaw County 12,725 apps
- Kalamazoo County 10,359 apps
- Ingham County 9,948 apps
- Livingston County 9,373 apps
- Muskegon County 8,415 apps
- St. Clair County 7,949 apps