Michigan · HMDA 2025
Mortgage lenders in Oceana County, MI
166 lenders reported 1,004 home-loan applications in Oceana County in 2025. 576 closed as loans ($125.1M), 163 were denied — a 21.1% denial rate on decided applications, below the Michigan rate of 22.4%. The three most active lenders handled 27% of applications, led by The Huntington National Bank. 14 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 1,004
- Loans originated
- 576
- Purchase / refinance
- 273 / 194
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Oceana County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | The Huntington National Bank 59 out of 100, Moderate | 106 | 10.6% | 31.6% |
| 2 | LAKE MICHIGAN CREDIT UNION 73 out of 100, Strong | 99 | 9.9% | 7.3% |
| 3 | Fifth Third Bank, National Association 62 out of 100, Moderate | 62 | 6.2% | 34.0% |
| 4 | Rocket Mortgage, LLC | 53 | 5.3% | — |
| 5 | MORTGAGE 1 INCORPORATED | 51 | 5.1% | — |
| 6 | The Shelby State Bank 73 out of 100, Strong | 41 | 4.1% | 14.9% |
| 7 | UNITED SHORE FINANCIAL SERVICES, LLC | 40 | 4.0% | — |
| 8 | GERBER FEDERAL CREDIT UNION 67 out of 100, Moderate | 22 | 2.2% | 16.2% |
| 9 | GreenStone Farm Credit Services, FLCA | 20 | 2.0% | — |
| 10 | 21st Mortgage Corporation | 18 | 1.8% | — |
| 11 | NEWREZ LLC | 16 | 1.6% | — |
| 12 | PENNYMAC LOAN SERVICES, LLC | 16 | 1.6% | — |
| 13 | Mortgage Research Center, LLC | 16 | 1.6% | — |
| 14 | FIGURE LENDING LLC | 13 | 1.3% | — |
| 15 | FAMILY FINANCIAL CREDIT UNION 66 out of 100, Moderate | 11 | 1.1% | 33.9% |
| 16 | ChoiceOne Bank 61 out of 100, Moderate | 11 | 1.1% | 22.0% |
| 17 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 10 | 1.0% | 14.1% |
| 18 | PNC Bank, National Association 62 out of 100, Moderate | 10 | 1.0% | 33.8% |
| 19 | CONSUMERS CREDIT UNION | 10 | 1.0% | — |
| 20 | AmeriSave Mortgage Corporation | 9 | 0.9% | — |
| 21 | CROSSCOUNTRY MORTGAGE, INC. | 9 | 0.9% | — |
| 22 | NATIONSTAR MORTGAGE LLC | 9 | 0.9% | — |
| 23 | CARRINGTON MORTGAGE SERVICES, LLC | 9 | 0.9% | — |
| 24 | Independent Bank 63 out of 100, Moderate | 8 | 0.8% | 17.6% |
| 25 | MMS MORTGAGE SERVICES, LTD. | 8 | 0.8% | — |
| 26 | Coastal Community Bank 35 out of 100, Low | 8 | 0.8% | 3.0% |
| 27 | Loandepot.Com, LLC | 7 | 0.7% | — |
| 28 | TRIAD FINANCIAL SERVICES, INC. | 7 | 0.7% | — |
| 29 | AMERIHOME MORTGAGE COMPANY, LLC | 7 | 0.7% | — |
| 30 | MICHIGAN STATE UNIVERSITY Federal Credit Union 51 out of 100, Below average | 7 | 0.7% | 20.6% |
| 31 | MEMBER FIRST MORTGAGE, LLC | 7 | 0.7% | — |
| 32 | FREEDOM MORTGAGE CORPORATION | 7 | 0.7% | — |
| 33 | AMERICAN PACIFIC MORTGAGE CORPORATION | 7 | 0.7% | — |
| 34 | Mercantile Bank 73 out of 100, Strong | 7 | 0.7% | 15.2% |
| 35 | GUILD MORTGAGE COMPANY | 6 | 0.6% | — |
| 36 | LEADERONE FINANCIAL CORPORATION | 6 | 0.6% | — |
| 37 | PLANET HOME LENDING, LLC | 6 | 0.6% | — |
| 38 | The Dart Bank | 6 | 0.6% | — |
| 39 | Navy Federal Credit Union 66 out of 100, Moderate | 5 | 0.5% | 32.9% |
| 40 | Broker Solutions, Inc. | 5 | 0.5% | — |
Top 40 of 166 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