Michigan · HMDA 2025
Mortgage lenders in Bay County, MI
215 lenders reported 3,613 home-loan applications in Bay County in 2025. 2,131 closed as loans ($328.5M), 544 were denied — a 19.6% denial rate on decided applications, below the Michigan rate of 22.4%. The three most active lenders handled 19% of applications, led by Rocket Mortgage, LLC. 16 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 3,613
- Loans originated
- 2,131
- Purchase / refinance
- 1,092 / 569
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Bay County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | Rocket Mortgage, LLC | 262 | 7.3% | — |
| 2 | The Huntington National Bank 59 out of 100, Moderate | 257 | 7.1% | 31.6% |
| 3 | UNITED SHORE FINANCIAL SERVICES, LLC | 173 | 4.8% | — |
| 4 | STAUNTON FINANCIAL, INC. | 170 | 4.7% | — |
| 5 | United Bay Community Credit Union 55 out of 100, Moderate | 143 | 4.0% | 8.5% |
| 6 | Independent Bank 63 out of 100, Moderate | 116 | 3.2% | 17.6% |
| 7 | Wildfire Credit Union 70 out of 100, Strong | 104 | 2.9% | 12.1% |
| 8 | Frankenmuth Credit Union 64 out of 100, Moderate | 97 | 2.7% | 2.8% |
| 9 | FINANCIAL PLUS CREDIT UNION | 91 | 2.5% | — |
| 10 | PENNYMAC LOAN SERVICES, LLC | 86 | 2.4% | — |
| 11 | DAS Acquisition Company, LLC | 77 | 2.1% | — |
| 12 | NEWREZ LLC | 73 | 2.0% | — |
| 13 | Mortgage Research Center, LLC | 73 | 2.0% | — |
| 14 | DOW CREDIT UNION 73 out of 100, Strong | 71 | 2.0% | 11.1% |
| 15 | PNC Bank, National Association 62 out of 100, Moderate | 60 | 1.7% | 33.8% |
| 16 | JOLT CREDIT UNION 69 out of 100, Moderate | 52 | 1.4% | 24.6% |
| 17 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 51 | 1.4% | 14.1% |
| 18 | GUARANTEED RATE, INC. | 51 | 1.4% | — |
| 19 | FinancialEdge Community Credit Union | 50 | 1.4% | — |
| 20 | PLANET HOME LENDING, LLC | 49 | 1.4% | — |
| 21 | Coastal Community Bank 35 out of 100, Low | 44 | 1.2% | 3.0% |
| 22 | 1ST STATE FINANCIAL, LTD. | 43 | 1.2% | — |
| 23 | NATIONSTAR MORTGAGE LLC | 43 | 1.2% | — |
| 24 | Fifth Third Bank, National Association 62 out of 100, Moderate | 40 | 1.1% | 34.0% |
| 25 | SUNRISE FAMILY CREDIT UNION 68 out of 100, Moderate | 39 | 1.1% | 3.2% |
| 26 | AMERIHOME MORTGAGE COMPANY, LLC | 38 | 1.1% | — |
| 27 | Loandepot.Com, LLC | 37 | 1.0% | — |
| 28 | Great Lakes Federal Credit Union | 35 | 1.0% | — |
| 29 | AmeriSave Mortgage Corporation | 34 | 0.9% | — |
| 30 | Broker Solutions, Inc. | 31 | 0.9% | — |
| 31 | LAKE MICHIGAN CREDIT UNION 73 out of 100, Strong | 31 | 0.9% | 7.3% |
| 32 | UNITED FINANCIAL Credit Union 68 out of 100, Moderate | 30 | 0.8% | 11.8% |
| 33 | 21st Mortgage Corporation | 29 | 0.8% | — |
| 34 | TOP FLITE FINANCIAL, INC. | 29 | 0.8% | — |
| 35 | FIGURE LENDING LLC | 28 | 0.8% | — |
| 36 | FREEDOM MORTGAGE CORPORATION | 28 | 0.8% | — |
| 37 | PRESTON HOME LOANS INC | 27 | 0.7% | — |
| 38 | CREDIT UNION ONE 76 out of 100, Strong | 27 | 0.7% | 29.5% |
| 39 | Isabella Bank 62 out of 100, Moderate | 26 | 0.7% | 16.4% |
| 40 | BLG HOLDINGS, INC. | 24 | 0.7% | — |
Top 40 of 215 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