Michigan · HMDA 2025
Mortgage lenders in Oakland County, MI
537 lenders reported 55,675 home-loan applications in Oakland County in 2025. 31,668 closed as loans ($10.7B), 8,459 were denied — a 20.2% denial rate on decided applications, below the Michigan rate of 22.4%. The three most active lenders handled 24% of applications, led by UNITED SHORE FINANCIAL SERVICES, LLC. 15 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 55,675
- Loans originated
- 31,668
- Purchase / refinance
- 14,478 / 10,740
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Oakland County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | UNITED SHORE FINANCIAL SERVICES, LLC | 5,876 | 10.6% | — |
| 2 | Rocket Mortgage, LLC | 5,149 | 9.2% | — |
| 3 | Genisys Credit Union 81 out of 100, Strong | 2,166 | 3.9% | 18.7% |
| 4 | The Huntington National Bank 59 out of 100, Moderate | 2,046 | 3.7% | 31.6% |
| 5 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 1,925 | 3.5% | 14.1% |
| 6 | Citizens Bank, National Association 54 out of 100, Below average | 1,713 | 3.1% | 32.5% |
| 7 | LAKE MICHIGAN CREDIT UNION 73 out of 100, Strong | 1,319 | 2.4% | 7.3% |
| 8 | Bank of America, National Association 59 out of 100, Moderate | 1,164 | 2.1% | 44.7% |
| 9 | MICHIGAN SCHOOLS AND GOVERNMENT | 1,105 | 2.0% | — |
| 10 | 21st Mortgage Corporation | 1,024 | 1.8% | — |
| 11 | PENNYMAC LOAN SERVICES, LLC | 971 | 1.7% | — |
| 12 | NEWREZ LLC | 938 | 1.7% | — |
| 13 | CREDIT UNION ONE 76 out of 100, Strong | 898 | 1.6% | 29.5% |
| 14 | First Merchants Bank 58 out of 100, Moderate | 879 | 1.6% | 19.8% |
| 15 | Flagstar Bank, N.A. 31 out of 100, Low | 867 | 1.6% | 35.1% |
| 16 | PNC Bank, National Association 62 out of 100, Moderate | 855 | 1.5% | 33.8% |
| 17 | Fifth Third Bank, National Association 62 out of 100, Moderate | 855 | 1.5% | 34.0% |
| 18 | Comerica Bank | 834 | 1.5% | — |
| 19 | DFCU FINANCIAL | 816 | 1.5% | — |
| 20 | NATIONSTAR MORTGAGE LLC | 745 | 1.3% | — |
| 21 | STAUNTON FINANCIAL, INC. | 740 | 1.3% | — |
| 22 | AMERIHOME MORTGAGE COMPANY, LLC | 681 | 1.2% | — |
| 23 | CROSSCOUNTRY MORTGAGE, INC. | 677 | 1.2% | — |
| 24 | MICHIGAN STATE UNIVERSITY Federal Credit Union 51 out of 100, Below average | 543 | 1.0% | 20.6% |
| 25 | MORTGAGE CENTER L.C | 533 | 1.0% | — |
| 26 | Coastal Community Bank 35 out of 100, Low | 519 | 0.9% | 3.0% |
| 27 | THE LOAN STORE, INC. | 516 | 0.9% | — |
| 28 | GUARANTEED RATE, INC. | 507 | 0.9% | — |
| 29 | UNION HOME MORTGAGE CORP. | 501 | 0.9% | — |
| 30 | MICHIGAN FIRST CREDIT UNION 72 out of 100, Strong | 486 | 0.9% | 42.1% |
| 31 | FIGURE LENDING LLC | 467 | 0.8% | — |
| 32 | MORTGAGE 1 INCORPORATED | 448 | 0.8% | — |
| 33 | TRIAD FINANCIAL SERVICES, INC. | 446 | 0.8% | — |
| 34 | SPRING EQ, LLC | 437 | 0.8% | — |
| 35 | VIBE CREDIT UNION 62 out of 100, Moderate | 386 | 0.7% | 9.5% |
| 36 | FREEDOM MORTGAGE CORPORATION | 386 | 0.7% | — |
| 37 | LAKEVIEW LOAN SERVICING, LLC | 354 | 0.6% | — |
| 38 | Loandepot.Com, LLC | 349 | 0.6% | — |
| 39 | Mortgage Research Center, LLC | 330 | 0.6% | — |
| 40 | PULTE MORTGAGE LLC | 325 | 0.6% | — |
Top 40 of 537 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
- 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
- Monroe County 7,418 apps