Michigan · HMDA 2025
Mortgage lenders in Luce County, MI
55 lenders reported 147 home-loan applications in Luce County in 2025. 80 closed as loans ($12.5M), 27 were denied — a 24.1% denial rate on decided applications, above the Michigan rate of 22.4%. The three most active lenders handled 31% of applications, led by Nicolet National Bank. 15 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 147
- Loans originated
- 80
- Purchase / refinance
- 50 / 17
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Luce County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | Nicolet National Bank 64 out of 100, Moderate | 22 | 15.0% | 4.5% |
| 2 | Rocket Mortgage, LLC | 15 | 10.2% | — |
| 3 | Mortgage Research Center, LLC | 9 | 6.1% | — |
| 4 | AmeriSave Mortgage Corporation | 6 | 4.1% | — |
| 5 | NEWREZ LLC | 5 | 3.4% | — |
| 6 | Loandepot.Com, LLC | 5 | 3.4% | — |
| 7 | PENNYMAC LOAN SERVICES, LLC | 5 | 3.4% | — |
| 8 | GreenStone Farm Credit Services, FLCA | 5 | 3.4% | — |
| 9 | The Huntington National Bank 59 out of 100, Moderate | 4 | 2.7% | 31.6% |
| 10 | Broker Solutions, Inc. | 4 | 2.7% | — |
| 11 | Coastal Community Bank 35 out of 100, Low | 4 | 2.7% | 3.0% |
| 12 | UNITED SHORE FINANCIAL SERVICES, LLC | 3 | 2.0% | — |
| 13 | Discover Bank | 3 | 2.0% | — |
| 14 | AMERICAN FINANCIAL RESOURCES, INC. | 3 | 2.0% | — |
| 15 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 2 | 1.4% | 14.1% |
| 16 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 2 | 1.4% | 22.2% |
| 17 | Fairway Independent Mortgage Corporation | 2 | 1.4% | — |
| 18 | SPRING EQ, LLC | 2 | 1.4% | — |
| 19 | GUARANTEED RATE AFFINITY, LLC | 2 | 1.4% | — |
| 20 | PLANET HOME LENDING, LLC | 2 | 1.4% | — |
| 21 | SECURITY CREDIT UNION 58 out of 100, Moderate | 2 | 1.4% | 26.0% |
| 22 | BLG HOLDINGS, INC. | 2 | 1.4% | — |
| 23 | Stride Bank, National Association 69 out of 100, Moderate | 2 | 1.4% | 3.2% |
| 24 | MORTGAGE CENTER L.C | 2 | 1.4% | — |
| 25 | CANOPY MORTGAGE, LLC | 2 | 1.4% | — |
| 26 | USAA Federal Savings Bank 64 out of 100, Moderate | 2 | 1.4% | 37.2% |
| 27 | Mercantile Bank 73 out of 100, Strong | 2 | 1.4% | 15.2% |
| 28 | Truist Bank 63 out of 100, Moderate | 1 | 0.7% | 40.8% |
| 29 | Citizens Bank, National Association 54 out of 100, Below average | 1 | 0.7% | 32.5% |
| 30 | CROSSCOUNTRY MORTGAGE, INC. | 1 | 0.7% | — |
| 31 | PNC Bank, National Association 62 out of 100, Moderate | 1 | 0.7% | 33.8% |
| 32 | PRESTON HOME LOANS INC | 1 | 0.7% | — |
| 33 | KELLOGG COMMUNITY CREDIT UNION 88 out of 100, Very strong | 1 | 0.7% | 1.2% |
| 34 | Summit Credit Union | 1 | 0.7% | — |
| 35 | Honor Credit Union 70 out of 100, Strong | 1 | 0.7% | 22.6% |
| 36 | FIGURE LENDING LLC | 1 | 0.7% | — |
| 37 | HOMEBRIDGE FINANCIAL SERVICES, INC. | 1 | 0.7% | — |
| 38 | VIBE CREDIT UNION 62 out of 100, Moderate | 1 | 0.7% | 9.5% |
| 39 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 1 | 0.7% | — |
| 40 | MEMBER FIRST MORTGAGE, LLC | 1 | 0.7% | — |
Top 40 of 55 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