Michigan · HMDA 2025
Mortgage lenders in Delta County, MI
107 lenders reported 494 home-loan applications in Delta County in 2025. 259 closed as loans ($49.1M), 84 were denied — a 23.1% denial rate on decided applications, close to the Michigan rate of 22.4%. The three most active lenders handled 28% of applications, led by Rocket Mortgage, LLC. 16 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 494
- Loans originated
- 259
- Purchase / refinance
- 148 / 87
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Delta County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | Rocket Mortgage, LLC | 74 | 15.0% | — |
| 2 | Mortgage Research Center, LLC | 36 | 7.3% | — |
| 3 | Loandepot.Com, LLC | 26 | 5.3% | — |
| 4 | Nicolet National Bank 64 out of 100, Moderate | 24 | 4.9% | 4.5% |
| 5 | Flagstar Bank, N.A. 31 out of 100, Low | 18 | 3.6% | 35.1% |
| 6 | UNITED SHORE FINANCIAL SERVICES, LLC | 17 | 3.4% | — |
| 7 | PENNYMAC LOAN SERVICES, LLC | 17 | 3.4% | — |
| 8 | FREEDOM MORTGAGE CORPORATION | 15 | 3.0% | — |
| 9 | Navy Federal Credit Union 66 out of 100, Moderate | 14 | 2.8% | 32.9% |
| 10 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 12 | 2.4% | 14.1% |
| 11 | NEW DAY FINANCIAL, LLC | 12 | 2.4% | — |
| 12 | FIGURE LENDING LLC | 9 | 1.8% | — |
| 13 | MUTUAL OF OMAHA MORTGAGE, INC. | 8 | 1.6% | — |
| 14 | Coastal Community Bank 35 out of 100, Low | 8 | 1.6% | 3.0% |
| 15 | The Huntington National Bank 59 out of 100, Moderate | 7 | 1.4% | 31.6% |
| 16 | GUARANTEED RATE, INC. | 7 | 1.4% | — |
| 17 | PLANET HOME LENDING, LLC | 7 | 1.4% | — |
| 18 | Citizens Bank, National Association 54 out of 100, Below average | 6 | 1.2% | 32.5% |
| 19 | Bank of America, National Association 59 out of 100, Moderate | 6 | 1.2% | 44.7% |
| 20 | NEWREZ LLC | 5 | 1.0% | — |
| 21 | AmeriSave Mortgage Corporation | 5 | 1.0% | — |
| 22 | Honor Credit Union 70 out of 100, Strong | 5 | 1.0% | 22.6% |
| 23 | FOX COMMUNITIES Credit Union 73 out of 100, Strong | 5 | 1.0% | 4.0% |
| 24 | NATIONSTAR MORTGAGE LLC | 5 | 1.0% | — |
| 25 | IncredibleBank 57 out of 100, Moderate | 5 | 1.0% | 11.9% |
| 26 | GreenStone Farm Credit Services, FLCA | 5 | 1.0% | — |
| 27 | Broker Solutions, Inc. | 4 | 0.8% | — |
| 28 | SPRING EQ, LLC | 4 | 0.8% | — |
| 29 | MILEND, INC. | 4 | 0.8% | — |
| 30 | LAKE MICHIGAN CREDIT UNION 73 out of 100, Strong | 4 | 0.8% | 7.3% |
| 31 | USAA Federal Savings Bank 64 out of 100, Moderate | 4 | 0.8% | 37.2% |
| 32 | Range Bank 80 out of 100, Strong | 4 | 0.8% | 2.6% |
| 33 | PNC Bank, National Association 62 out of 100, Moderate | 3 | 0.6% | 33.8% |
| 34 | Capital Bank, National Association 46 out of 100, Below average | 3 | 0.6% | 5.3% |
| 35 | SOFI BANK, NATIONAL ASSOCIATION | 3 | 0.6% | — |
| 36 | AMERICAN FINANCIAL NETWORK, INC. | 3 | 0.6% | — |
| 37 | AMERICAN FINANCING CORPORATION | 3 | 0.6% | — |
| 38 | CHURCHILL MORTGAGE CORPORATION | 3 | 0.6% | — |
| 39 | Servion, Inc. | 3 | 0.6% | — |
| 40 | MORTGAGE 1 INCORPORATED | 3 | 0.6% | — |
Top 40 of 107 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