Michigan · HMDA 2025
Mortgage lenders in Cheboygan County, MI
169 lenders reported 893 home-loan applications in Cheboygan County in 2025. 482 closed as loans ($120.4M), 172 were denied — a 25.2% denial rate on decided applications, above the Michigan rate of 22.4%. The three most active lenders handled 25% of applications, led by Rocket Mortgage, LLC. 13 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 893
- Loans originated
- 482
- Purchase / refinance
- 236 / 169
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Cheboygan County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | Rocket Mortgage, LLC | 121 | 13.5% | — |
| 2 | UNITED SHORE FINANCIAL SERVICES, LLC | 61 | 6.8% | — |
| 3 | Mercantile Bank 73 out of 100, Strong | 38 | 4.3% | 15.2% |
| 4 | The Huntington National Bank 59 out of 100, Moderate | 35 | 3.9% | 31.6% |
| 5 | MEMBER FIRST MORTGAGE, LLC | 24 | 2.7% | — |
| 6 | 21st Mortgage Corporation | 23 | 2.6% | — |
| 7 | 4Front Credit Union 54 out of 100, Below average | 23 | 2.6% | 10.0% |
| 8 | Mortgage Research Center, LLC | 22 | 2.5% | — |
| 9 | PNC Bank, National Association 62 out of 100, Moderate | 21 | 2.4% | 33.8% |
| 10 | Nicolet National Bank 64 out of 100, Moderate | 19 | 2.1% | 4.5% |
| 11 | Fifth Third Bank, National Association 62 out of 100, Moderate | 17 | 1.9% | 34.0% |
| 12 | NEWREZ LLC | 15 | 1.7% | — |
| 13 | NEW DAY FINANCIAL, LLC | 15 | 1.7% | — |
| 14 | UNION HOME MORTGAGE CORP. | 15 | 1.7% | — |
| 15 | LAKE MICHIGAN CREDIT UNION 73 out of 100, Strong | 15 | 1.7% | 7.3% |
| 16 | PENNYMAC LOAN SERVICES, LLC | 14 | 1.6% | — |
| 17 | FIGURE LENDING LLC | 14 | 1.6% | — |
| 18 | SUCCESS MORTGAGE PARTNERS, INC. | 12 | 1.3% | — |
| 19 | Broker Solutions, Inc. | 11 | 1.2% | — |
| 20 | COMMUNITY FINANCIAL CREDIT UNION | 11 | 1.2% | — |
| 21 | CARRINGTON MORTGAGE SERVICES, LLC | 10 | 1.1% | — |
| 22 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 9 | 1.0% | 14.1% |
| 23 | AmeriSave Mortgage Corporation | 9 | 1.0% | — |
| 24 | Citizens Bank, National Association 54 out of 100, Below average | 8 | 0.9% | 32.5% |
| 25 | SPRING EQ, LLC | 8 | 0.9% | — |
| 26 | PLANET HOME LENDING, LLC | 8 | 0.9% | — |
| 27 | MUTUAL OF OMAHA MORTGAGE, INC. | 8 | 0.9% | — |
| 28 | AMERIHOME MORTGAGE COMPANY, LLC | 7 | 0.8% | — |
| 29 | FREEDOM MORTGAGE CORPORATION | 7 | 0.8% | — |
| 30 | UNITED FEDERAL CREDIT UNION | 7 | 0.8% | — |
| 31 | Coastal Community Bank 35 out of 100, Low | 7 | 0.8% | 3.0% |
| 32 | Navy Federal Credit Union 66 out of 100, Moderate | 6 | 0.7% | 32.9% |
| 33 | GUARANTEED RATE, INC. | 6 | 0.7% | — |
| 34 | NATIONSTAR MORTGAGE LLC | 6 | 0.7% | — |
| 35 | CALCON MUTUAL MORTGAGE LLC | 6 | 0.7% | — |
| 36 | USAA Federal Savings Bank 64 out of 100, Moderate | 6 | 0.7% | 37.2% |
| 37 | Discover Bank | 5 | 0.6% | — |
| 38 | PRESTON HOME LOANS INC | 5 | 0.6% | — |
| 39 | HomePromise Corporation | 5 | 0.6% | — |
| 40 | MICHIGAN STATE UNIVERSITY Federal Credit Union 51 out of 100, Below average | 5 | 0.6% | 20.6% |
Top 40 of 169 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