Michigan · HMDA 2025
Mortgage lenders in Ionia County, MI
193 lenders reported 2,616 home-loan applications in Ionia County in 2025. 1,478 closed as loans ($273.0M), 457 were denied — a 22.8% denial rate on decided applications, close to the Michigan rate of 22.4%. The three most active lenders handled 17% of applications, led by LAKE MICHIGAN CREDIT UNION. 11 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 2,616
- Loans originated
- 1,478
- Purchase / refinance
- 742 / 443
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Ionia County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | LAKE MICHIGAN CREDIT UNION 73 out of 100, Strong | 170 | 6.5% | 7.3% |
| 2 | Rocket Mortgage, LLC | 151 | 5.8% | — |
| 3 | Independent Bank 63 out of 100, Moderate | 130 | 5.0% | 17.6% |
| 4 | The Huntington National Bank 59 out of 100, Moderate | 125 | 4.8% | 31.6% |
| 5 | Mercantile Bank 73 out of 100, Strong | 119 | 4.5% | 15.2% |
| 6 | PFCU | 115 | 4.4% | — |
| 7 | 21st Mortgage Corporation | 113 | 4.3% | — |
| 8 | Fifth Third Bank, National Association 62 out of 100, Moderate | 97 | 3.7% | 34.0% |
| 9 | UNITED SHORE FINANCIAL SERVICES, LLC | 96 | 3.7% | — |
| 10 | TRIAD FINANCIAL SERVICES, INC. | 62 | 2.4% | — |
| 11 | PENNYMAC LOAN SERVICES, LLC | 57 | 2.2% | — |
| 12 | MORTGAGE 1 INCORPORATED | 57 | 2.2% | — |
| 13 | CONSUMERS CREDIT UNION | 49 | 1.9% | — |
| 14 | Mortgage Research Center, LLC | 47 | 1.8% | — |
| 15 | MICHIGAN STATE UNIVERSITY Federal Credit Union 51 out of 100, Below average | 40 | 1.5% | 20.6% |
| 16 | UNION HOME MORTGAGE CORP. | 38 | 1.5% | — |
| 17 | GUILD MORTGAGE COMPANY | 33 | 1.3% | — |
| 18 | FREEDOM MORTGAGE CORPORATION | 32 | 1.2% | — |
| 19 | NEWREZ LLC | 31 | 1.2% | — |
| 20 | AMERIHOME MORTGAGE COMPANY, LLC | 31 | 1.2% | — |
| 21 | The Dart Bank | 31 | 1.2% | — |
| 22 | GreenStone Farm Credit Services, FLCA | 29 | 1.1% | — |
| 23 | MMS MORTGAGE SERVICES, LTD. | 28 | 1.1% | — |
| 24 | PLANET HOME LENDING, LLC | 27 | 1.0% | — |
| 25 | PREFERRED CREDIT UNION 87 out of 100, Very strong | 26 | 1.0% | 14.6% |
| 26 | Zippy Loans, LLC | 26 | 1.0% | — |
| 27 | NATIONSTAR MORTGAGE LLC | 26 | 1.0% | — |
| 28 | AMERICAN PACIFIC MORTGAGE CORPORATION | 26 | 1.0% | — |
| 29 | Adventure Credit Union 67 out of 100, Moderate | 24 | 0.9% | 10.5% |
| 30 | CROSSCOUNTRY MORTGAGE, INC. | 23 | 0.9% | — |
| 31 | SUCCESS MORTGAGE PARTNERS, INC. | 23 | 0.9% | — |
| 32 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 20 | 0.8% | 14.1% |
| 33 | FIGURE LENDING LLC | 20 | 0.8% | — |
| 34 | Broker Solutions, Inc. | 19 | 0.7% | — |
| 35 | LAKEVIEW LOAN SERVICING, LLC | 19 | 0.7% | — |
| 36 | MICHIGAN ONE COMMUNITY Credit Union 68 out of 100, Moderate | 18 | 0.7% | 10.1% |
| 37 | CARRINGTON MORTGAGE SERVICES, LLC | 18 | 0.7% | — |
| 38 | SPRING EQ, LLC | 17 | 0.6% | — |
| 39 | AmeriSave Mortgage Corporation | 16 | 0.6% | — |
| 40 | Coastal Community Bank 35 out of 100, Low | 16 | 0.6% | 3.0% |
Top 40 of 193 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