Michigan · HMDA 2025
Mortgage lenders in Lapeer County, MI
216 lenders reported 4,045 home-loan applications in Lapeer County in 2025. 2,268 closed as loans ($492.3M), 610 were denied — a 20.3% denial rate on decided applications, below the Michigan rate of 22.4%. The three most active lenders handled 20% of applications, led by Rocket Mortgage, LLC. 15 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 4,045
- Loans originated
- 2,268
- Purchase / refinance
- 973 / 746
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Lapeer County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | Rocket Mortgage, LLC | 319 | 7.9% | — |
| 2 | UNITED SHORE FINANCIAL SERVICES, LLC | 292 | 7.2% | — |
| 3 | PNC Bank, National Association 62 out of 100, Moderate | 204 | 5.0% | 33.8% |
| 4 | ChoiceOne Bank 61 out of 100, Moderate | 144 | 3.6% | 22.0% |
| 5 | Dort Financial Credit Union 64 out of 100, Moderate | 123 | 3.0% | 20.0% |
| 6 | Genisys Credit Union 81 out of 100, Strong | 116 | 2.9% | 18.7% |
| 7 | The Huntington National Bank 59 out of 100, Moderate | 111 | 2.7% | 31.6% |
| 8 | NEWREZ LLC | 97 | 2.4% | — |
| 9 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 96 | 2.4% | 14.1% |
| 10 | AMERIHOME MORTGAGE COMPANY, LLC | 82 | 2.0% | — |
| 11 | SECURITY CREDIT UNION 58 out of 100, Moderate | 78 | 1.9% | 26.0% |
| 12 | ELGA CREDIT UNION 75 out of 100, Strong | 77 | 1.9% | 19.0% |
| 13 | PENNYMAC LOAN SERVICES, LLC | 75 | 1.9% | — |
| 14 | J. VIRGIL, INC. | 73 | 1.8% | — |
| 15 | LAKE MICHIGAN CREDIT UNION 73 out of 100, Strong | 67 | 1.7% | 7.3% |
| 16 | MICHIGAN SCHOOLS AND GOVERNMENT | 64 | 1.6% | — |
| 17 | MORTGAGE 1 INCORPORATED | 62 | 1.5% | — |
| 18 | UNION HOME MORTGAGE CORP. | 61 | 1.5% | — |
| 19 | PRESTON HOME LOANS INC | 56 | 1.4% | — |
| 20 | NATIONSTAR MORTGAGE LLC | 50 | 1.2% | — |
| 21 | Mortgage Research Center, LLC | 49 | 1.2% | — |
| 22 | Citizens Bank, National Association 54 out of 100, Below average | 47 | 1.2% | 32.5% |
| 23 | TRIAD FINANCIAL SERVICES, INC. | 43 | 1.1% | — |
| 24 | FREEDOM MORTGAGE CORPORATION | 43 | 1.1% | — |
| 25 | The Dart Bank | 42 | 1.0% | — |
| 26 | 21st Mortgage Corporation | 41 | 1.0% | — |
| 27 | Fifth Third Bank, National Association 62 out of 100, Moderate | 41 | 1.0% | 34.0% |
| 28 | Broker Solutions, Inc. | 40 | 1.0% | — |
| 29 | Coastal Community Bank 35 out of 100, Low | 40 | 1.0% | 3.0% |
| 30 | AmeriSave Mortgage Corporation | 39 | 1.0% | — |
| 31 | CREDIT UNION ONE 76 out of 100, Strong | 39 | 1.0% | 29.5% |
| 32 | SPRING EQ, LLC | 37 | 0.9% | — |
| 33 | FIGURE LENDING LLC | 37 | 0.9% | — |
| 34 | Independent Bank 63 out of 100, Moderate | 35 | 0.9% | 17.6% |
| 35 | PLANET HOME LENDING, LLC | 34 | 0.8% | — |
| 36 | Loandepot.Com, LLC | 32 | 0.8% | — |
| 37 | LAKEVIEW LOAN SERVICING, LLC | 32 | 0.8% | — |
| 38 | BLG HOLDINGS, INC. | 31 | 0.8% | — |
| 39 | First State Bank 63 out of 100, Moderate | 31 | 0.8% | 4.6% |
| 40 | CROSSCOUNTRY MORTGAGE, INC. | 30 | 0.7% | — |
Top 40 of 216 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