Michigan · HMDA 2025
Mortgage lenders in Kalkaska County, MI
144 lenders reported 864 home-loan applications in Kalkaska County in 2025. 476 closed as loans ($107.8M), 165 were denied — a 25.0% denial rate on decided applications, above the Michigan rate of 22.4%. The three most active lenders handled 28% of applications, led by The Huntington National Bank. 16 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 864
- Loans originated
- 476
- Purchase / refinance
- 205 / 167
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Kalkaska County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | The Huntington National Bank 59 out of 100, Moderate | 86 | 10.0% | 31.6% |
| 2 | Rocket Mortgage, LLC | 84 | 9.7% | — |
| 3 | UNITED SHORE FINANCIAL SERVICES, LLC | 76 | 8.8% | — |
| 4 | 4Front Credit Union 54 out of 100, Below average | 71 | 8.2% | 10.0% |
| 5 | LAKE MICHIGAN CREDIT UNION 73 out of 100, Strong | 34 | 3.9% | 7.3% |
| 6 | Fifth Third Bank, National Association 62 out of 100, Moderate | 28 | 3.2% | 34.0% |
| 7 | NEWREZ LLC | 26 | 3.0% | — |
| 8 | CREDIT UNION ONE 76 out of 100, Strong | 23 | 2.7% | 29.5% |
| 9 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 18 | 2.1% | 14.1% |
| 10 | Mortgage Research Center, LLC | 18 | 2.1% | — |
| 11 | Loandepot.Com, LLC | 17 | 2.0% | — |
| 12 | PENNYMAC LOAN SERVICES, LLC | 16 | 1.9% | — |
| 13 | GreenStone Farm Credit Services, FLCA | 15 | 1.7% | — |
| 14 | Independent Bank 63 out of 100, Moderate | 13 | 1.5% | 17.6% |
| 15 | NATIONSTAR MORTGAGE LLC | 12 | 1.4% | — |
| 16 | AmeriSave Mortgage Corporation | 11 | 1.3% | — |
| 17 | Broker Solutions, Inc. | 10 | 1.2% | — |
| 18 | MICHIGAN STATE UNIVERSITY Federal Credit Union 51 out of 100, Below average | 10 | 1.2% | 20.6% |
| 19 | CALCON MUTUAL MORTGAGE LLC | 10 | 1.2% | — |
| 20 | FREEDOM MORTGAGE CORPORATION | 9 | 1.0% | — |
| 21 | PLANET HOME LENDING, LLC | 7 | 0.8% | — |
| 22 | UNION HOME MORTGAGE CORP. | 7 | 0.8% | — |
| 23 | Mercantile Bank 73 out of 100, Strong | 7 | 0.8% | 15.2% |
| 24 | Citizens Bank, National Association 54 out of 100, Below average | 6 | 0.7% | 32.5% |
| 25 | GUARANTEED RATE, INC. | 6 | 0.7% | — |
| 26 | State Savings Bank 61 out of 100, Moderate | 6 | 0.7% | 7.8% |
| 27 | LAKEVIEW LOAN SERVICING, LLC | 6 | 0.7% | — |
| 28 | Coastal Community Bank 35 out of 100, Low | 6 | 0.7% | 3.0% |
| 29 | PNC Bank, National Association 62 out of 100, Moderate | 5 | 0.6% | 33.8% |
| 30 | THE LOAN STORE, INC. | 5 | 0.6% | — |
| 31 | AMERIHOME MORTGAGE COMPANY, LLC | 5 | 0.6% | — |
| 32 | The Dart Bank | 5 | 0.6% | — |
| 33 | Horizon Bank 72 out of 100, Strong | 5 | 0.6% | 22.7% |
| 34 | Flagstar Bank, N.A. 31 out of 100, Low | 5 | 0.6% | 35.1% |
| 35 | Navy Federal Credit Union 66 out of 100, Moderate | 4 | 0.5% | 32.9% |
| 36 | 21st Mortgage Corporation | 4 | 0.5% | — |
| 37 | PRESTON HOME LOANS INC | 4 | 0.5% | — |
| 38 | FIGURE LENDING LLC | 4 | 0.5% | — |
| 39 | HOMEBRIDGE FINANCIAL SERVICES, INC. | 4 | 0.5% | — |
| 40 | Equity Prime Mortgage LLC | 4 | 0.5% | — |
Top 40 of 144 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