Michigan · HMDA 2025
Mortgage lenders in Osceola County, MI
133 lenders reported 929 home-loan applications in Osceola County in 2025. 472 closed as loans ($72.2M), 201 were denied — a 28.7% denial rate on decided applications, above the Michigan rate of 22.4%. The three most active lenders handled 28% of applications, led by The Huntington National Bank. 12 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 929
- Loans originated
- 472
- Purchase / refinance
- 235 / 139
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Osceola County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | The Huntington National Bank 59 out of 100, Moderate | 131 | 14.1% | 31.6% |
| 2 | Rocket Mortgage, LLC | 73 | 7.9% | — |
| 3 | UNION HOME MORTGAGE CORP. | 58 | 6.2% | — |
| 4 | UNITED SHORE FINANCIAL SERVICES, LLC | 53 | 5.7% | — |
| 5 | Horizon Bank 72 out of 100, Strong | 32 | 3.4% | 22.7% |
| 6 | Mortgage Research Center, LLC | 27 | 2.9% | — |
| 7 | Fifth Third Bank, National Association 62 out of 100, Moderate | 27 | 2.9% | 34.0% |
| 8 | GreenStone Farm Credit Services, FLCA | 20 | 2.2% | — |
| 9 | PENNYMAC LOAN SERVICES, LLC | 19 | 2.0% | — |
| 10 | MEMBERS FIRST Credit Union | 19 | 2.0% | — |
| 11 | FIGURE LENDING LLC | 18 | 1.9% | — |
| 12 | LAKE MICHIGAN CREDIT UNION 73 out of 100, Strong | 18 | 1.9% | 7.3% |
| 13 | Independent Bank 63 out of 100, Moderate | 17 | 1.8% | 17.6% |
| 14 | West Michigan Credit Union | 17 | 1.8% | — |
| 15 | NEWREZ LLC | 16 | 1.7% | — |
| 16 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 14 | 1.5% | 14.1% |
| 17 | MORTGAGE 1 INCORPORATED | 13 | 1.4% | — |
| 18 | J. VIRGIL, INC. | 13 | 1.4% | — |
| 19 | CARRINGTON MORTGAGE SERVICES, LLC | 13 | 1.4% | — |
| 20 | Broker Solutions, Inc. | 11 | 1.2% | — |
| 21 | NATIONSTAR MORTGAGE LLC | 11 | 1.2% | — |
| 22 | Mercantile Bank 73 out of 100, Strong | 11 | 1.2% | 15.2% |
| 23 | SPRING EQ, LLC | 10 | 1.1% | — |
| 24 | Loandepot.Com, LLC | 9 | 1.0% | — |
| 25 | AmeriSave Mortgage Corporation | 9 | 1.0% | — |
| 26 | GUILD MORTGAGE COMPANY | 9 | 1.0% | — |
| 27 | Coastal Community Bank 35 out of 100, Low | 9 | 1.0% | 3.0% |
| 28 | Isabella Bank 62 out of 100, Moderate | 9 | 1.0% | 16.4% |
| 29 | CROSSCOUNTRY MORTGAGE, INC. | 8 | 0.9% | — |
| 30 | CREDIT UNION ONE 76 out of 100, Strong | 8 | 0.9% | 29.5% |
| 31 | FREEDOM MORTGAGE CORPORATION | 8 | 0.9% | — |
| 32 | PLANET HOME LENDING, LLC | 7 | 0.8% | — |
| 33 | NEW DAY FINANCIAL, LLC | 7 | 0.8% | — |
| 34 | GUARANTEED RATE, INC. | 6 | 0.6% | — |
| 35 | 4Front Credit Union 54 out of 100, Below average | 6 | 0.6% | 10.0% |
| 36 | LAKEVIEW LOAN SERVICING, LLC | 6 | 0.6% | — |
| 37 | MUTUAL OF OMAHA MORTGAGE, INC. | 6 | 0.6% | — |
| 38 | MICHIGAN STATE UNIVERSITY Federal Credit Union 51 out of 100, Below average | 5 | 0.5% | 20.6% |
| 39 | AMERICAN FINANCING CORPORATION | 5 | 0.5% | — |
| 40 | AMERICAN PACIFIC MORTGAGE CORPORATION | 5 | 0.5% | — |
Top 40 of 133 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