Michigan · HMDA 2025
Mortgage lenders in Houghton County, MI
129 lenders reported 871 home-loan applications in Houghton County in 2025. 521 closed as loans ($92.9M), 111 were denied — a 16.9% denial rate on decided applications, below the Michigan rate of 22.4%. The three most active lenders handled 35% of applications, led by Superior National Bank. 15 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 871
- Loans originated
- 521
- Purchase / refinance
- 281 / 157
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Houghton County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | Superior National Bank 73 out of 100, Strong | 111 | 12.7% | 3.4% |
| 2 | Range Bank 80 out of 100, Strong | 108 | 12.4% | 2.6% |
| 3 | Rocket Mortgage, LLC | 84 | 9.6% | — |
| 4 | The Huntington National Bank 59 out of 100, Moderate | 55 | 6.3% | 31.6% |
| 5 | IncredibleBank 57 out of 100, Moderate | 54 | 6.2% | 11.9% |
| 6 | Flagstar Bank, N.A. 31 out of 100, Low | 31 | 3.6% | 35.1% |
| 7 | Mortgage Research Center, LLC | 30 | 3.4% | — |
| 8 | AMERIHOME MORTGAGE COMPANY, LLC | 26 | 3.0% | — |
| 9 | NEWREZ LLC | 22 | 2.5% | — |
| 10 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 20 | 2.3% | 14.1% |
| 11 | UNITED SHORE FINANCIAL SERVICES, LLC | 15 | 1.7% | — |
| 12 | FIGURE LENDING LLC | 15 | 1.7% | — |
| 13 | PENNYMAC LOAN SERVICES, LLC | 12 | 1.4% | — |
| 14 | Coastal Community Bank 35 out of 100, Low | 11 | 1.3% | 3.0% |
| 15 | Loandepot.Com, LLC | 10 | 1.1% | — |
| 16 | FREEDOM MORTGAGE CORPORATION | 10 | 1.1% | — |
| 17 | Broker Solutions, Inc. | 9 | 1.0% | — |
| 18 | AmeriSave Mortgage Corporation | 9 | 1.0% | — |
| 19 | Bank of America, National Association 59 out of 100, Moderate | 9 | 1.0% | 44.7% |
| 20 | NATIONSTAR MORTGAGE LLC | 8 | 0.9% | — |
| 21 | USAA Federal Savings Bank 64 out of 100, Moderate | 8 | 0.9% | 37.2% |
| 22 | GUARANTEED RATE, INC. | 7 | 0.8% | — |
| 23 | REDWOOD RESIDENTIAL ACQUISITION CORPORATION | 7 | 0.8% | — |
| 24 | VILLAGE CAPITAL & INVESTMENT LLC | 7 | 0.8% | — |
| 25 | Navy Federal Credit Union 66 out of 100, Moderate | 6 | 0.7% | 32.9% |
| 26 | BETTER MORTGAGE CORPORATION | 6 | 0.7% | — |
| 27 | LAKE MICHIGAN CREDIT UNION 73 out of 100, Strong | 6 | 0.7% | 7.3% |
| 28 | CROSSCOUNTRY MORTGAGE, INC. | 5 | 0.6% | — |
| 29 | MICHIGAN STATE UNIVERSITY Federal Credit Union 51 out of 100, Below average | 5 | 0.6% | 20.6% |
| 30 | MUTUAL OF OMAHA MORTGAGE, INC. | 5 | 0.6% | — |
| 31 | Citizens Bank, National Association 54 out of 100, Below average | 4 | 0.5% | 32.5% |
| 32 | U.S. Bank National Association 55 out of 100, Moderate | 4 | 0.5% | 39.5% |
| 33 | Honor Credit Union 70 out of 100, Strong | 4 | 0.5% | 22.6% |
| 34 | PLANET HOME LENDING, LLC | 4 | 0.5% | — |
| 35 | SOFI BANK, NATIONAL ASSOCIATION | 4 | 0.5% | — |
| 36 | LAKEVIEW LOAN SERVICING, LLC | 4 | 0.5% | — |
| 37 | NEW DAY FINANCIAL, LLC | 4 | 0.5% | — |
| 38 | MORTGAGE CENTER L.C | 4 | 0.5% | — |
| 39 | Discover Bank | 3 | 0.3% | — |
| 40 | SPRING EQ, LLC | 3 | 0.3% | — |
Top 40 of 129 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