Michigan · HMDA 2025
Mortgage lenders in Montcalm County, MI
205 lenders reported 3,072 home-loan applications in Montcalm County in 2025. 1,767 closed as loans ($377.4M), 472 were denied — a 20.2% denial rate on decided applications, below the Michigan rate of 22.4%. The three most active lenders handled 18% of applications, led by The Huntington National Bank. 12 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 3,072
- Loans originated
- 1,767
- Purchase / refinance
- 806 / 578
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Montcalm County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | The Huntington National Bank 59 out of 100, Moderate | 196 | 6.4% | 31.6% |
| 2 | LAKE MICHIGAN CREDIT UNION 73 out of 100, Strong | 196 | 6.4% | 7.3% |
| 3 | Rocket Mortgage, LLC | 167 | 5.4% | — |
| 4 | UNITED SHORE FINANCIAL SERVICES, LLC | 148 | 4.8% | — |
| 5 | Fifth Third Bank, National Association 62 out of 100, Moderate | 139 | 4.5% | 34.0% |
| 6 | Independent Bank 63 out of 100, Moderate | 116 | 3.8% | 17.6% |
| 7 | Isabella Bank 62 out of 100, Moderate | 91 | 3.0% | 16.4% |
| 8 | PENNYMAC LOAN SERVICES, LLC | 74 | 2.4% | — |
| 9 | PREFERRED CREDIT UNION 87 out of 100, Very strong | 74 | 2.4% | 14.6% |
| 10 | MORTGAGE 1 INCORPORATED | 67 | 2.2% | — |
| 11 | Mercantile Bank 73 out of 100, Strong | 65 | 2.1% | 15.2% |
| 12 | Sidney State Bank 80 out of 100, Strong | 61 | 2.0% | 7.6% |
| 13 | Mortgage Research Center, LLC | 56 | 1.8% | — |
| 14 | GUILD MORTGAGE COMPANY | 49 | 1.6% | — |
| 15 | SUCCESS MORTGAGE PARTNERS, INC. | 49 | 1.6% | — |
| 16 | AMERICAN PACIFIC MORTGAGE CORPORATION | 47 | 1.5% | — |
| 17 | NEWREZ LLC | 46 | 1.5% | — |
| 18 | UNION HOME MORTGAGE CORP. | 44 | 1.4% | — |
| 19 | NATIONSTAR MORTGAGE LLC | 43 | 1.4% | — |
| 20 | MICHIGAN ONE COMMUNITY Credit Union 68 out of 100, Moderate | 42 | 1.4% | 10.1% |
| 21 | FREEDOM MORTGAGE CORPORATION | 39 | 1.3% | — |
| 22 | PLANET HOME LENDING, LLC | 38 | 1.2% | — |
| 23 | CROSSCOUNTRY MORTGAGE, INC. | 36 | 1.2% | — |
| 24 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 35 | 1.1% | 14.1% |
| 25 | CARRINGTON MORTGAGE SERVICES, LLC | 33 | 1.1% | — |
| 26 | GreenStone Farm Credit Services, FLCA | 33 | 1.1% | — |
| 27 | Loandepot.Com, LLC | 30 | 1.0% | — |
| 28 | AMERIHOME MORTGAGE COMPANY, LLC | 29 | 0.9% | — |
| 29 | MMS MORTGAGE SERVICES, LTD. | 29 | 0.9% | — |
| 30 | FIGURE LENDING LLC | 28 | 0.9% | — |
| 31 | TRIAD FINANCIAL SERVICES, INC. | 27 | 0.9% | — |
| 32 | 21st Mortgage Corporation | 26 | 0.8% | — |
| 33 | AmeriSave Mortgage Corporation | 25 | 0.8% | — |
| 34 | Broker Solutions, Inc. | 24 | 0.8% | — |
| 35 | Coastal Community Bank 35 out of 100, Low | 24 | 0.8% | 3.0% |
| 36 | FIRST COMMUNITY MORTGAGE, INC. | 22 | 0.7% | — |
| 37 | ChoiceOne Bank 61 out of 100, Moderate | 22 | 0.7% | 22.0% |
| 38 | VILLAGE CAPITAL & INVESTMENT LLC | 22 | 0.7% | — |
| 39 | CONSUMERS CREDIT UNION | 21 | 0.7% | — |
| 40 | VAN DYK MORTGAGE CORPORATION | 21 | 0.7% | — |
Top 40 of 205 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