Michigan · HMDA 2025
Mortgage lenders in Cass County, MI
216 lenders reported 2,411 home-loan applications in Cass County in 2025. 1,324 closed as loans ($386.1M), 456 were denied — a 24.5% denial rate on decided applications, above the Michigan rate of 22.4%. The three most active lenders handled 18% of applications, led by Honor Credit Union. 17 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 2,411
- Loans originated
- 1,324
- Purchase / refinance
- 569 / 414
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Cass County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | Honor Credit Union 70 out of 100, Strong | 180 | 7.5% | 22.6% |
| 2 | Rocket Mortgage, LLC | 134 | 5.6% | — |
| 3 | UNITED FEDERAL CREDIT UNION | 113 | 4.7% | — |
| 4 | Fifth Third Bank, National Association 62 out of 100, Moderate | 113 | 4.7% | 34.0% |
| 5 | The Huntington National Bank 59 out of 100, Moderate | 105 | 4.4% | 31.6% |
| 6 | RUOFF MORTGAGE COMPANY, INC. | 94 | 3.9% | — |
| 7 | 1st Source Bank 75 out of 100, Strong | 90 | 3.7% | 19.3% |
| 8 | EVERWISE CREDIT UNION 56 out of 100, Moderate | 77 | 3.2% | 22.2% |
| 9 | UNITED SHORE FINANCIAL SERVICES, LLC | 64 | 2.7% | — |
| 10 | NOTRE DAME FEDERAL CREDIT UNION CORPORATION 64 out of 100, Moderate | 58 | 2.4% | 19.7% |
| 11 | UNION HOME MORTGAGE CORP. | 48 | 2.0% | — |
| 12 | CROSSCOUNTRY MORTGAGE, INC. | 46 | 1.9% | — |
| 13 | PENNYMAC LOAN SERVICES, LLC | 42 | 1.7% | — |
| 14 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 41 | 1.7% | — |
| 15 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 35 | 1.5% | 14.1% |
| 16 | AmeriSave Mortgage Corporation | 30 | 1.2% | — |
| 17 | Mortgage Research Center, LLC | 30 | 1.2% | — |
| 18 | Old National Bank 59 out of 100, Moderate | 30 | 1.2% | 22.1% |
| 19 | Lake City Bank 73 out of 100, Strong | 30 | 1.2% | 12.4% |
| 20 | CARRINGTON MORTGAGE SERVICES, LLC | 29 | 1.2% | — |
| 21 | Horizon Bank 72 out of 100, Strong | 29 | 1.2% | 22.7% |
| 22 | FREEDOM MORTGAGE CORPORATION | 27 | 1.1% | — |
| 23 | First Federal Savings Bank 56 out of 100, Moderate | 27 | 1.1% | 1.8% |
| 24 | FIGURE LENDING LLC | 26 | 1.1% | — |
| 25 | NEWREZ LLC | 25 | 1.0% | — |
| 26 | AMERIHOME MORTGAGE COMPANY, LLC | 25 | 1.0% | — |
| 27 | Sturgis Bank & Trust Company 56 out of 100, Moderate | 24 | 1.0% | 3.4% |
| 28 | NATIONSTAR MORTGAGE LLC | 24 | 1.0% | — |
| 29 | Loandepot.Com, LLC | 22 | 0.9% | — |
| 30 | CONSUMERS CREDIT UNION | 22 | 0.9% | — |
| 31 | Coastal Community Bank 35 out of 100, Low | 22 | 0.9% | 3.0% |
| 32 | GUARANTEED RATE, INC. | 21 | 0.9% | — |
| 33 | INTERRA CREDIT UNION 64 out of 100, Moderate | 21 | 0.9% | 23.2% |
| 34 | INOVA | 21 | 0.9% | — |
| 35 | LAKE MICHIGAN CREDIT UNION 73 out of 100, Strong | 21 | 0.9% | 7.3% |
| 36 | Broker Solutions, Inc. | 19 | 0.8% | — |
| 37 | TRIAD FINANCIAL SERVICES, INC. | 17 | 0.7% | — |
| 38 | PLANET HOME LENDING, LLC | 17 | 0.7% | — |
| 39 | ARBOR FINANCIAL CREDIT UNION 55 out of 100, Moderate | 17 | 0.7% | 6.5% |
| 40 | Bank of America, National Association 59 out of 100, Moderate | 16 | 0.7% | 44.7% |
Top 40 of 216 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