Michigan · HMDA 2025
Mortgage lenders in Eaton County, MI
251 lenders reported 4,425 home-loan applications in Eaton County in 2025. 2,482 closed as loans ($477.1M), 737 were denied — a 21.7% denial rate on decided applications, close to the Michigan rate of 22.4%. The three most active lenders handled 23% of applications, led by MICHIGAN STATE UNIVERSITY Federal Credit Union. 16 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 4,425
- Loans originated
- 2,482
- Purchase / refinance
- 1,203 / 717
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Eaton County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | MICHIGAN STATE UNIVERSITY Federal Credit Union 51 out of 100, Below average | 451 | 10.2% | 20.6% |
| 2 | Rocket Mortgage, LLC | 317 | 7.2% | — |
| 3 | The Dart Bank | 269 | 6.1% | — |
| 4 | UNION HOME MORTGAGE CORP. | 214 | 4.8% | — |
| 5 | UNITED SHORE FINANCIAL SERVICES, LLC | 159 | 3.6% | — |
| 6 | Fifth Third Bank, National Association 62 out of 100, Moderate | 138 | 3.1% | 34.0% |
| 7 | Flagstar Bank, N.A. 31 out of 100, Low | 134 | 3.0% | 35.1% |
| 8 | LAFCU Credit Union 72 out of 100, Strong | 108 | 2.4% | 11.7% |
| 9 | The Huntington National Bank 59 out of 100, Moderate | 103 | 2.3% | 31.6% |
| 10 | PENNYMAC LOAN SERVICES, LLC | 103 | 2.3% | — |
| 11 | TRIAD FINANCIAL SERVICES, INC. | 102 | 2.3% | — |
| 12 | Eaton Community Bank 71 out of 100, Strong | 88 | 2.0% | 16.6% |
| 13 | PNC Bank, National Association 62 out of 100, Moderate | 84 | 1.9% | 33.8% |
| 14 | Independent Bank 63 out of 100, Moderate | 81 | 1.8% | 17.6% |
| 15 | NEWREZ LLC | 79 | 1.8% | — |
| 16 | Mortgage Research Center, LLC | 77 | 1.7% | — |
| 17 | Lake Trust Credit Union 62 out of 100, Moderate | 73 | 1.6% | 44.1% |
| 18 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 69 | 1.6% | 14.1% |
| 19 | 21st Mortgage Corporation | 66 | 1.5% | — |
| 20 | FREEDOM MORTGAGE CORPORATION | 61 | 1.4% | — |
| 21 | NATIONSTAR MORTGAGE LLC | 57 | 1.3% | — |
| 22 | Zippy Loans, LLC | 56 | 1.3% | — |
| 23 | CONSUMERS CREDIT UNION | 55 | 1.2% | — |
| 24 | Northpointe Bank 58 out of 100, Moderate | 42 | 0.9% | 10.4% |
| 25 | LAKEVIEW LOAN SERVICING, LLC | 39 | 0.9% | — |
| 26 | EVERETT FINANCIAL, INC. | 36 | 0.8% | — |
| 27 | CROSSCOUNTRY MORTGAGE, INC. | 34 | 0.8% | — |
| 28 | MORTGAGE CENTER L.C | 34 | 0.8% | — |
| 29 | Loandepot.Com, LLC | 32 | 0.7% | — |
| 30 | Bank of America, National Association 59 out of 100, Moderate | 32 | 0.7% | 44.7% |
| 31 | Coastal Community Bank 35 out of 100, Low | 32 | 0.7% | 3.0% |
| 32 | Navy Federal Credit Union 66 out of 100, Moderate | 31 | 0.7% | 32.9% |
| 33 | PFCU | 31 | 0.7% | — |
| 34 | FIGURE LENDING LLC | 31 | 0.7% | — |
| 35 | CASE Credit Union 62 out of 100, Moderate | 31 | 0.7% | 13.0% |
| 36 | LAKE MICHIGAN CREDIT UNION 73 out of 100, Strong | 31 | 0.7% | 7.3% |
| 37 | GreenStone Farm Credit Services, FLCA | 31 | 0.7% | — |
| 38 | AMERIHOME MORTGAGE COMPANY, LLC | 30 | 0.7% | — |
| 39 | TAMMAC HOLDINGS CORPORATION | 29 | 0.7% | — |
| 40 | AmeriSave Mortgage Corporation | 28 | 0.6% | — |
Top 40 of 251 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