Michigan · HMDA 2025
Mortgage lenders in Gratiot County, MI
146 lenders reported 1,314 home-loan applications in Gratiot County in 2025. 687 closed as loans ($108.9M), 260 were denied — a 26.4% denial rate on decided applications, above the Michigan rate of 22.4%. The three most active lenders handled 22% of applications, led by Rocket Mortgage, LLC. 11 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 1,314
- Loans originated
- 687
- Purchase / refinance
- 381 / 179
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Gratiot County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | Rocket Mortgage, LLC | 112 | 8.5% | — |
| 2 | Mercantile Bank 73 out of 100, Strong | 101 | 7.7% | 15.2% |
| 3 | The Huntington National Bank 59 out of 100, Moderate | 76 | 5.8% | 31.6% |
| 4 | TRIAD FINANCIAL SERVICES, INC. | 68 | 5.2% | — |
| 5 | Isabella Bank 62 out of 100, Moderate | 60 | 4.6% | 16.4% |
| 6 | CROSSCOUNTRY MORTGAGE, INC. | 52 | 4.0% | — |
| 7 | 21st Mortgage Corporation | 50 | 3.8% | — |
| 8 | PRESTON HOME LOANS INC | 33 | 2.5% | — |
| 9 | PENNYMAC LOAN SERVICES, LLC | 30 | 2.3% | — |
| 10 | Mortgage Research Center, LLC | 28 | 2.1% | — |
| 11 | UNITED SHORE FINANCIAL SERVICES, LLC | 27 | 2.1% | — |
| 12 | NEWREZ LLC | 25 | 1.9% | — |
| 13 | Commercial Bank 75 out of 100, Strong | 24 | 1.8% | 43.2% |
| 14 | Fifth Third Bank, National Association 62 out of 100, Moderate | 24 | 1.8% | 34.0% |
| 15 | The Dart Bank | 22 | 1.7% | — |
| 16 | Broker Solutions, Inc. | 20 | 1.5% | — |
| 17 | GUILD MORTGAGE COMPANY | 20 | 1.5% | — |
| 18 | UNION HOME MORTGAGE CORP. | 19 | 1.4% | — |
| 19 | GreenStone Farm Credit Services, FLCA | 19 | 1.4% | — |
| 20 | AMERIHOME MORTGAGE COMPANY, LLC | 18 | 1.4% | — |
| 21 | PLANET HOME LENDING, LLC | 16 | 1.2% | — |
| 22 | NATIONSTAR MORTGAGE LLC | 16 | 1.2% | — |
| 23 | MICHIGAN ONE COMMUNITY Credit Union 68 out of 100, Moderate | 16 | 1.2% | 10.1% |
| 24 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 14 | 1.1% | 14.1% |
| 25 | MICHIGAN STATE UNIVERSITY Federal Credit Union 51 out of 100, Below average | 14 | 1.1% | 20.6% |
| 26 | GUARANTEED RATE, INC. | 13 | 1.0% | — |
| 27 | MMS MORTGAGE SERVICES, LTD. | 13 | 1.0% | — |
| 28 | PNC Bank, National Association 62 out of 100, Moderate | 12 | 0.9% | 33.8% |
| 29 | MEMBER FIRST MORTGAGE, LLC | 12 | 0.9% | — |
| 30 | DOW CREDIT UNION 73 out of 100, Strong | 12 | 0.9% | 11.1% |
| 31 | AMERICAN PACIFIC MORTGAGE CORPORATION | 12 | 0.9% | — |
| 32 | STAUNTON FINANCIAL, INC. | 12 | 0.9% | — |
| 33 | Coastal Community Bank 35 out of 100, Low | 12 | 0.9% | 3.0% |
| 34 | MORTGAGE CENTER L.C | 11 | 0.8% | — |
| 35 | FIGURE LENDING LLC | 10 | 0.8% | — |
| 36 | TAMMAC HOLDINGS CORPORATION | 9 | 0.7% | — |
| 37 | LAKEVIEW LOAN SERVICING, LLC | 8 | 0.6% | — |
| 38 | NEW DAY FINANCIAL, LLC | 8 | 0.6% | — |
| 39 | CARRINGTON MORTGAGE SERVICES, LLC | 8 | 0.6% | — |
| 40 | AmeriSave Mortgage Corporation | 7 | 0.5% | — |
Top 40 of 146 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