Michigan · HMDA 2025
Mortgage lenders in Arenac County, MI
121 lenders reported 553 home-loan applications in Arenac County in 2025. 325 closed as loans ($48.5M), 85 were denied — a 19.9% denial rate on decided applications, below the Michigan rate of 22.4%. The three most active lenders handled 26% of applications, led by Rocket Mortgage, LLC. 17 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 553
- Loans originated
- 325
- Purchase / refinance
- 143 / 104
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Arenac County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | Rocket Mortgage, LLC | 75 | 13.6% | — |
| 2 | The Huntington National Bank 59 out of 100, Moderate | 42 | 7.6% | 31.6% |
| 3 | Horizon Bank 72 out of 100, Strong | 27 | 4.9% | 22.7% |
| 4 | UNITED SHORE FINANCIAL SERVICES, LLC | 22 | 4.0% | — |
| 5 | STAUNTON FINANCIAL, INC. | 19 | 3.4% | — |
| 6 | PENNYMAC LOAN SERVICES, LLC | 14 | 2.5% | — |
| 7 | Independent Bank 63 out of 100, Moderate | 13 | 2.4% | 17.6% |
| 8 | Mortgage Research Center, LLC | 12 | 2.2% | — |
| 9 | NEWREZ LLC | 11 | 2.0% | — |
| 10 | Frankenmuth Credit Union 64 out of 100, Moderate | 11 | 2.0% | 2.8% |
| 11 | SUNRISE FAMILY CREDIT UNION 68 out of 100, Moderate | 11 | 2.0% | 3.2% |
| 12 | Mercantile Bank 73 out of 100, Strong | 11 | 2.0% | 15.2% |
| 13 | GreenStone Farm Credit Services, FLCA | 10 | 1.8% | — |
| 14 | United Bay Community Credit Union 55 out of 100, Moderate | 9 | 1.6% | 8.5% |
| 15 | Wildfire Credit Union 70 out of 100, Strong | 9 | 1.6% | 12.1% |
| 16 | The Dart Bank | 9 | 1.6% | — |
| 17 | NATIONSTAR MORTGAGE LLC | 9 | 1.6% | — |
| 18 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 7 | 1.3% | 14.1% |
| 19 | AmeriSave Mortgage Corporation | 7 | 1.3% | — |
| 20 | Fifth Third Bank, National Association 62 out of 100, Moderate | 7 | 1.3% | 34.0% |
| 21 | Flagstar Bank, N.A. 31 out of 100, Low | 7 | 1.3% | 35.1% |
| 22 | FIGURE LENDING LLC | 6 | 1.1% | — |
| 23 | PLANET HOME LENDING, LLC | 6 | 1.1% | — |
| 24 | FREEDOM MORTGAGE CORPORATION | 6 | 1.1% | — |
| 25 | NEW DAY FINANCIAL, LLC | 6 | 1.1% | — |
| 26 | DAS Acquisition Company, LLC | 6 | 1.1% | — |
| 27 | Navy Federal Credit Union 66 out of 100, Moderate | 5 | 0.9% | 32.9% |
| 28 | Discover Bank | 5 | 0.9% | — |
| 29 | Genisys Credit Union 81 out of 100, Strong | 5 | 0.9% | 18.7% |
| 30 | PHH Mortgage Corporation | 5 | 0.9% | — |
| 31 | 21st Mortgage Corporation | 4 | 0.7% | — |
| 32 | First National Bank of America 51 out of 100, Below average | 4 | 0.7% | 16.9% |
| 33 | SOFI BANK, NATIONAL ASSOCIATION | 4 | 0.7% | — |
| 34 | GVC MORTGAGE, INC. | 4 | 0.7% | — |
| 35 | CREDIT UNION ONE 76 out of 100, Strong | 4 | 0.7% | 29.5% |
| 36 | LAKEVIEW LOAN SERVICING, LLC | 4 | 0.7% | — |
| 37 | Isabella Bank 62 out of 100, Moderate | 4 | 0.7% | 16.4% |
| 38 | Broker Solutions, Inc. | 3 | 0.5% | — |
| 39 | PNC Bank, National Association 62 out of 100, Moderate | 3 | 0.5% | 33.8% |
| 40 | 1ST STATE FINANCIAL, LTD. | 3 | 0.5% | — |
Top 40 of 121 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