Michigan · HMDA 2025
Mortgage lenders in Lake County, MI
128 lenders reported 617 home-loan applications in Lake County in 2025. 336 closed as loans ($59.4M), 116 were denied — a 24.9% denial rate on decided applications, above the Michigan rate of 22.4%. The three most active lenders handled 20% of applications, led by Rocket Mortgage, LLC. 14 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 617
- Loans originated
- 336
- Purchase / refinance
- 185 / 90
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Lake County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | Rocket Mortgage, LLC | 46 | 7.5% | — |
| 2 | The Huntington National Bank 59 out of 100, Moderate | 42 | 6.8% | 31.6% |
| 3 | UNITED SHORE FINANCIAL SERVICES, LLC | 37 | 6.0% | — |
| 4 | LAKE MICHIGAN CREDIT UNION 73 out of 100, Strong | 33 | 5.3% | 7.3% |
| 5 | UNION HOME MORTGAGE CORP. | 28 | 4.5% | — |
| 6 | Fifth Third Bank, National Association 62 out of 100, Moderate | 26 | 4.2% | 34.0% |
| 7 | AmeriSave Mortgage Corporation | 15 | 2.4% | — |
| 8 | Broker Solutions, Inc. | 13 | 2.1% | — |
| 9 | NEWREZ LLC | 12 | 1.9% | — |
| 10 | Mortgage Research Center, LLC | 12 | 1.9% | — |
| 11 | MORTGAGE 1 INCORPORATED | 11 | 1.8% | — |
| 12 | PENNYMAC LOAN SERVICES, LLC | 10 | 1.6% | — |
| 13 | West Michigan Credit Union | 10 | 1.6% | — |
| 14 | CONSUMERS CREDIT UNION | 10 | 1.6% | — |
| 15 | GreenStone Farm Credit Services, FLCA | 10 | 1.6% | — |
| 16 | NEW DAY FINANCIAL, LLC | 9 | 1.5% | — |
| 17 | Mercantile Bank 73 out of 100, Strong | 9 | 1.5% | 15.2% |
| 18 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 8 | 1.3% | 14.1% |
| 19 | Independent Bank 63 out of 100, Moderate | 8 | 1.3% | 17.6% |
| 20 | AMERIHOME MORTGAGE COMPANY, LLC | 8 | 1.3% | — |
| 21 | FREEDOM MORTGAGE CORPORATION | 8 | 1.3% | — |
| 22 | SUCCESS MORTGAGE PARTNERS, INC. | 8 | 1.3% | — |
| 23 | AMERICAN PACIFIC MORTGAGE CORPORATION | 7 | 1.1% | — |
| 24 | 21st Mortgage Corporation | 6 | 1.0% | — |
| 25 | Loandepot.Com, LLC | 6 | 1.0% | — |
| 26 | Honor Credit Union 70 out of 100, Strong | 6 | 1.0% | 22.6% |
| 27 | NATIONSTAR MORTGAGE LLC | 6 | 1.0% | — |
| 28 | UNITED FEDERAL CREDIT UNION | 6 | 1.0% | — |
| 29 | Coastal Community Bank 35 out of 100, Low | 6 | 1.0% | 3.0% |
| 30 | PRESTON HOME LOANS INC | 5 | 0.8% | — |
| 31 | FIGURE LENDING LLC | 5 | 0.8% | — |
| 32 | PLANET HOME LENDING, LLC | 5 | 0.8% | — |
| 33 | 4Front Credit Union 54 out of 100, Below average | 5 | 0.8% | 10.0% |
| 34 | CREDIT UNION ONE 76 out of 100, Strong | 5 | 0.8% | 29.5% |
| 35 | Horizon Bank 72 out of 100, Strong | 5 | 0.8% | 22.7% |
| 36 | 1st Source Bank 75 out of 100, Strong | 5 | 0.8% | 19.3% |
| 37 | ARBOR FINANCIAL CREDIT UNION 55 out of 100, Moderate | 5 | 0.8% | 6.5% |
| 38 | VANDERBILT MORTGAGE AND FINANCE, INC. | 4 | 0.6% | — |
| 39 | CROSSCOUNTRY MORTGAGE, INC. | 4 | 0.6% | — |
| 40 | MICHIGAN FIRST CREDIT UNION 72 out of 100, Strong | 4 | 0.6% | 42.1% |
Top 40 of 128 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