Michigan · HMDA 2025
Mortgage lenders in Emmet County, MI
183 lenders reported 1,347 home-loan applications in Emmet County in 2025. 777 closed as loans ($295.8M), 195 were denied — a 19.5% denial rate on decided applications, below the Michigan rate of 22.4%. The three most active lenders handled 30% of applications, led by Mercantile Bank. 16 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 1,347
- Loans originated
- 777
- Purchase / refinance
- 344 / 245
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Emmet County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | Mercantile Bank 73 out of 100, Strong | 205 | 15.2% | 15.2% |
| 2 | 4Front Credit Union 54 out of 100, Below average | 102 | 7.6% | 10.0% |
| 3 | The Huntington National Bank 59 out of 100, Moderate | 99 | 7.3% | 31.6% |
| 4 | Rocket Mortgage, LLC | 93 | 6.9% | — |
| 5 | UNITED SHORE FINANCIAL SERVICES, LLC | 64 | 4.8% | — |
| 6 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 50 | 3.7% | 14.1% |
| 7 | Fifth Third Bank, National Association 62 out of 100, Moderate | 48 | 3.6% | 34.0% |
| 8 | NEWREZ LLC | 37 | 2.7% | — |
| 9 | LAKE MICHIGAN CREDIT UNION 73 out of 100, Strong | 36 | 2.7% | 7.3% |
| 10 | COMMUNITY FINANCIAL CREDIT UNION | 26 | 1.9% | — |
| 11 | PNC Bank, National Association 62 out of 100, Moderate | 23 | 1.7% | 33.8% |
| 12 | FIGURE LENDING LLC | 23 | 1.7% | — |
| 13 | Mortgage Research Center, LLC | 19 | 1.4% | — |
| 14 | PENNYMAC LOAN SERVICES, LLC | 17 | 1.3% | — |
| 15 | 21st Mortgage Corporation | 14 | 1.0% | — |
| 16 | FREEDOM MORTGAGE CORPORATION | 14 | 1.0% | — |
| 17 | First Community Bank 77 out of 100, Strong | 14 | 1.0% | 11.5% |
| 18 | Navy Federal Credit Union 66 out of 100, Moderate | 13 | 1.0% | 32.9% |
| 19 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 11 | 0.8% | 22.2% |
| 20 | MICHIGAN STATE UNIVERSITY Federal Credit Union 51 out of 100, Below average | 11 | 0.8% | 20.6% |
| 21 | GUARANTEED RATE, INC. | 10 | 0.7% | — |
| 22 | Zippy Loans, LLC | 10 | 0.7% | — |
| 23 | UNION HOME MORTGAGE CORP. | 10 | 0.7% | — |
| 24 | Broker Solutions, Inc. | 9 | 0.7% | — |
| 25 | AmeriSave Mortgage Corporation | 9 | 0.7% | — |
| 26 | STOCKTON MORTGAGE CORPORATION | 9 | 0.7% | — |
| 27 | Citizens Bank, National Association 54 out of 100, Below average | 8 | 0.6% | 32.5% |
| 28 | Bank of America, National Association 59 out of 100, Moderate | 8 | 0.6% | 44.7% |
| 29 | The Dart Bank | 8 | 0.6% | — |
| 30 | FirstBank 59 out of 100, Moderate | 8 | 0.6% | 42.8% |
| 31 | CARRINGTON MORTGAGE SERVICES, LLC | 8 | 0.6% | — |
| 32 | Loandepot.Com, LLC | 7 | 0.5% | — |
| 33 | SPRING EQ, LLC | 7 | 0.5% | — |
| 34 | CALCON MUTUAL MORTGAGE LLC | 7 | 0.5% | — |
| 35 | MUTUAL OF OMAHA MORTGAGE, INC. | 7 | 0.5% | — |
| 36 | Coastal Community Bank 35 out of 100, Low | 7 | 0.5% | 3.0% |
| 37 | Discover Bank | 6 | 0.4% | — |
| 38 | LIMA ONE CAPITAL, LLC | 6 | 0.4% | — |
| 39 | AMERIHOME MORTGAGE COMPANY, LLC | 6 | 0.4% | — |
| 40 | Nicolet National Bank 64 out of 100, Moderate | 6 | 0.4% | 4.5% |
Top 40 of 183 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