Michigan · HMDA 2025
Mortgage lenders in Kent County, MI
413 lenders reported 28,383 home-loan applications in Kent County in 2025. 16,640 closed as loans ($4.3B), 4,247 were denied — a 19.5% denial rate on decided applications, below the Michigan rate of 22.4%. The three most active lenders handled 31% of applications, led by LAKE MICHIGAN CREDIT UNION. 16 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 28,383
- Loans originated
- 16,640
- Purchase / refinance
- 7,408 / 5,239
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Kent County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | LAKE MICHIGAN CREDIT UNION 73 out of 100, Strong | 5,455 | 19.2% | 7.3% |
| 2 | Fifth Third Bank, National Association 62 out of 100, Moderate | 1,708 | 6.0% | 34.0% |
| 3 | The Huntington National Bank 59 out of 100, Moderate | 1,629 | 5.7% | 31.6% |
| 4 | Rocket Mortgage, LLC | 1,150 | 4.1% | — |
| 5 | UNITED SHORE FINANCIAL SERVICES, LLC | 1,139 | 4.0% | — |
| 6 | TRIAD FINANCIAL SERVICES, INC. | 760 | 2.7% | — |
| 7 | PENNYMAC LOAN SERVICES, LLC | 704 | 2.5% | — |
| 8 | CONSUMERS CREDIT UNION | 695 | 2.4% | — |
| 9 | Mercantile Bank 73 out of 100, Strong | 687 | 2.4% | 15.2% |
| 10 | 21st Mortgage Corporation | 686 | 2.4% | — |
| 11 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 605 | 2.1% | 14.1% |
| 12 | Northpointe Bank 58 out of 100, Moderate | 516 | 1.8% | 10.4% |
| 13 | Old National Bank 59 out of 100, Moderate | 511 | 1.8% | 22.1% |
| 14 | Independent Bank 63 out of 100, Moderate | 451 | 1.6% | 17.6% |
| 15 | NEWREZ LLC | 403 | 1.4% | — |
| 16 | NATIONSTAR MORTGAGE LLC | 313 | 1.1% | — |
| 17 | AMERIHOME MORTGAGE COMPANY, LLC | 297 | 1.0% | — |
| 18 | MORTGAGE 1 INCORPORATED | 263 | 0.9% | — |
| 19 | FREEDOM MORTGAGE CORPORATION | 259 | 0.9% | — |
| 20 | GUILD MORTGAGE COMPANY | 257 | 0.9% | — |
| 21 | NORTHERN MORTGAGE SERVICES, LLC | 256 | 0.9% | — |
| 22 | Adventure Credit Union 67 out of 100, Moderate | 253 | 0.9% | 10.5% |
| 23 | PNC Bank, National Association 62 out of 100, Moderate | 241 | 0.8% | 33.8% |
| 24 | ChoiceOne Bank 61 out of 100, Moderate | 233 | 0.8% | 22.0% |
| 25 | FIGURE LENDING LLC | 220 | 0.8% | — |
| 26 | Bank of America, National Association 59 out of 100, Moderate | 207 | 0.7% | 44.7% |
| 27 | DFCU FINANCIAL | 207 | 0.7% | — |
| 28 | AMERICAN PACIFIC MORTGAGE CORPORATION | 205 | 0.7% | — |
| 29 | Coastal Community Bank 35 out of 100, Low | 199 | 0.7% | 3.0% |
| 30 | CHURCHILL MORTGAGE CORPORATION | 192 | 0.7% | — |
| 31 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 185 | 0.7% | — |
| 32 | The Dart Bank | 177 | 0.6% | — |
| 33 | LAKEVIEW LOAN SERVICING, LLC | 173 | 0.6% | — |
| 34 | Mortgage Research Center, LLC | 170 | 0.6% | — |
| 35 | MICHIGAN FIRST CREDIT UNION 72 out of 100, Strong | 163 | 0.6% | 42.1% |
| 36 | SPRING EQ, LLC | 158 | 0.6% | — |
| 37 | United Bank of Michigan 74 out of 100, Strong | 152 | 0.5% | 14.7% |
| 38 | UNION HOME MORTGAGE CORP. | 140 | 0.5% | — |
| 39 | AmeriSave Mortgage Corporation | 138 | 0.5% | — |
| 40 | MICHIGAN STATE UNIVERSITY Federal Credit Union 51 out of 100, Below average | 136 | 0.5% | 20.6% |
Top 40 of 413 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
- 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
- Monroe County 7,418 apps