Michigan · HMDA 2025
Mortgage lenders in Montmorency County, MI
114 lenders reported 520 home-loan applications in Montmorency County in 2025. 316 closed as loans ($47.5M), 86 were denied — a 20.4% denial rate on decided applications, below the Michigan rate of 22.4%. The three most active lenders handled 35% of applications, led by COMMUNITY FINANCIAL CREDIT UNION. 15 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 520
- Loans originated
- 316
- Purchase / refinance
- 160 / 83
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Montmorency County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | COMMUNITY FINANCIAL CREDIT UNION | 104 | 20.0% | — |
| 2 | The Huntington National Bank 59 out of 100, Moderate | 43 | 8.3% | 31.6% |
| 3 | UNITED SHORE FINANCIAL SERVICES, LLC | 37 | 7.1% | — |
| 4 | Rocket Mortgage, LLC | 37 | 7.1% | — |
| 5 | Mortgage Research Center, LLC | 25 | 4.8% | — |
| 6 | AmeriSave Mortgage Corporation | 12 | 2.3% | — |
| 7 | Nicolet National Bank 64 out of 100, Moderate | 12 | 2.3% | 4.5% |
| 8 | PNC Bank, National Association 62 out of 100, Moderate | 9 | 1.7% | 33.8% |
| 9 | Loandepot.Com, LLC | 8 | 1.5% | — |
| 10 | PENNYMAC LOAN SERVICES, LLC | 8 | 1.5% | — |
| 11 | GreenStone Farm Credit Services, FLCA | 8 | 1.5% | — |
| 12 | NEWREZ LLC | 7 | 1.3% | — |
| 13 | MORTGAGE 1 INCORPORATED | 7 | 1.3% | — |
| 14 | NEW DAY FINANCIAL, LLC | 7 | 1.3% | — |
| 15 | Fifth Third Bank, National Association 62 out of 100, Moderate | 7 | 1.3% | 34.0% |
| 16 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 6 | 1.2% | 14.1% |
| 17 | RUOFF MORTGAGE COMPANY, INC. | 6 | 1.2% | — |
| 18 | LAKE MICHIGAN CREDIT UNION 73 out of 100, Strong | 6 | 1.2% | 7.3% |
| 19 | State Savings Bank 61 out of 100, Moderate | 5 | 1.0% | 7.8% |
| 20 | Genisys Credit Union 81 out of 100, Strong | 5 | 1.0% | 18.7% |
| 21 | Broker Solutions, Inc. | 4 | 0.8% | — |
| 22 | AMERIHOME MORTGAGE COMPANY, LLC | 4 | 0.8% | — |
| 23 | FREEDOM MORTGAGE CORPORATION | 4 | 0.8% | — |
| 24 | CARRINGTON MORTGAGE SERVICES, LLC | 4 | 0.8% | — |
| 25 | EVERETT FINANCIAL, INC. | 4 | 0.8% | — |
| 26 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 3 | 0.6% | 22.2% |
| 27 | Discover Bank | 3 | 0.6% | — |
| 28 | PLANET HOME LENDING, LLC | 3 | 0.6% | — |
| 29 | SECURITY CREDIT UNION 58 out of 100, Moderate | 3 | 0.6% | 26.0% |
| 30 | DOW CREDIT UNION 73 out of 100, Strong | 3 | 0.6% | 11.1% |
| 31 | UNION HOME MORTGAGE CORP. | 3 | 0.6% | — |
| 32 | MICHIGAN MUTUAL, INC. | 3 | 0.6% | — |
| 33 | ChoiceOne Bank 61 out of 100, Moderate | 3 | 0.6% | 22.0% |
| 34 | ROYAL UNITED MORTGAGE LLC | 3 | 0.6% | — |
| 35 | VILLAGE CAPITAL & INVESTMENT LLC | 3 | 0.6% | — |
| 36 | SUCCESS MORTGAGE PARTNERS, INC. | 3 | 0.6% | — |
| 37 | MORTGAGE CENTER L.C | 3 | 0.6% | — |
| 38 | Coastal Community Bank 35 out of 100, Low | 3 | 0.6% | 3.0% |
| 39 | Isabella Bank 62 out of 100, Moderate | 3 | 0.6% | 16.4% |
| 40 | Navy Federal Credit Union 66 out of 100, Moderate | 2 | 0.4% | 32.9% |
Top 40 of 114 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