Michigan · HMDA 2025
Mortgage lenders in Charlevoix County, MI
162 lenders reported 1,169 home-loan applications in Charlevoix County in 2025. 668 closed as loans ($230.3M), 192 were denied — a 21.5% denial rate on decided applications, close to the Michigan rate of 22.4%. The three most active lenders handled 31% of applications, led by The Huntington National Bank. 17 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 1,169
- Loans originated
- 668
- Purchase / refinance
- 272 / 205
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Charlevoix County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | The Huntington National Bank 59 out of 100, Moderate | 157 | 13.4% | 31.6% |
| 2 | 4Front Credit Union 54 out of 100, Below average | 135 | 11.5% | 10.0% |
| 3 | Rocket Mortgage, LLC | 67 | 5.7% | — |
| 4 | UNITED SHORE FINANCIAL SERVICES, LLC | 62 | 5.3% | — |
| 5 | Mercantile Bank 73 out of 100, Strong | 61 | 5.2% | 15.2% |
| 6 | LAKE MICHIGAN CREDIT UNION 73 out of 100, Strong | 48 | 4.1% | 7.3% |
| 7 | TRIAD FINANCIAL SERVICES, INC. | 31 | 2.7% | — |
| 8 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 30 | 2.6% | 14.1% |
| 9 | Fifth Third Bank, National Association 62 out of 100, Moderate | 28 | 2.4% | 34.0% |
| 10 | Mortgage Research Center, LLC | 19 | 1.6% | — |
| 11 | NEWREZ LLC | 18 | 1.5% | — |
| 12 | FREEDOM MORTGAGE CORPORATION | 18 | 1.5% | — |
| 13 | 21st Mortgage Corporation | 17 | 1.5% | — |
| 14 | PENNYMAC LOAN SERVICES, LLC | 16 | 1.4% | — |
| 15 | The Dart Bank | 16 | 1.4% | — |
| 16 | Bank of America, National Association 59 out of 100, Moderate | 14 | 1.2% | 44.7% |
| 17 | Independent Bank 63 out of 100, Moderate | 13 | 1.1% | 17.6% |
| 18 | UNION HOME MORTGAGE CORP. | 12 | 1.0% | — |
| 19 | Coastal Community Bank 35 out of 100, Low | 12 | 1.0% | 3.0% |
| 20 | PNC Bank, National Association 62 out of 100, Moderate | 11 | 0.9% | 33.8% |
| 21 | FIGURE LENDING LLC | 11 | 0.9% | — |
| 22 | COMMUNITY FINANCIAL CREDIT UNION | 11 | 0.9% | — |
| 23 | First Merchants Bank 58 out of 100, Moderate | 11 | 0.9% | 19.8% |
| 24 | U.S. Bank National Association 55 out of 100, Moderate | 10 | 0.9% | 39.5% |
| 25 | THE LOAN STORE, INC. | 9 | 0.8% | — |
| 26 | TAMMAC HOLDINGS CORPORATION | 9 | 0.8% | — |
| 27 | KIND LENDING, LLC | 9 | 0.8% | — |
| 28 | Broker Solutions, Inc. | 8 | 0.7% | — |
| 29 | SPRING EQ, LLC | 7 | 0.6% | — |
| 30 | Genisys Credit Union 81 out of 100, Strong | 7 | 0.6% | 18.7% |
| 31 | Horizon Bank 72 out of 100, Strong | 7 | 0.6% | 22.7% |
| 32 | Citizens Bank, National Association 54 out of 100, Below average | 6 | 0.5% | 32.5% |
| 33 | GUARANTEED RATE, INC. | 6 | 0.5% | — |
| 34 | PLANET HOME LENDING, LLC | 6 | 0.5% | — |
| 35 | CARRINGTON MORTGAGE SERVICES, LLC | 6 | 0.5% | — |
| 36 | Comerica Bank | 6 | 0.5% | — |
| 37 | Loandepot.Com, LLC | 5 | 0.4% | — |
| 38 | CROSSCOUNTRY MORTGAGE, INC. | 5 | 0.4% | — |
| 39 | Honor Bank 71 out of 100, Strong | 5 | 0.4% | 9.1% |
| 40 | MICHIGAN STATE UNIVERSITY Federal Credit Union 51 out of 100, Below average | 5 | 0.4% | 20.6% |
Top 40 of 162 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