Michigan · HMDA 2025
Mortgage lenders in Oscoda County, MI
109 lenders reported 409 home-loan applications in Oscoda County in 2025. 204 closed as loans ($32.3M), 76 were denied — a 25.5% denial rate on decided applications, above the Michigan rate of 22.4%. The three most active lenders handled 30% of applications, led by The Huntington National Bank. 12 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 409
- Loans originated
- 204
- Purchase / refinance
- 98 / 64
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Oscoda County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | The Huntington National Bank 59 out of 100, Moderate | 61 | 14.9% | 31.6% |
| 2 | Rocket Mortgage, LLC | 32 | 7.8% | — |
| 3 | COMMUNITY FINANCIAL CREDIT UNION | 28 | 6.8% | — |
| 4 | UNITED SHORE FINANCIAL SERVICES, LLC | 24 | 5.9% | — |
| 5 | Mercantile Bank 73 out of 100, Strong | 17 | 4.2% | 15.2% |
| 6 | Broker Solutions, Inc. | 11 | 2.7% | — |
| 7 | Mortgage Research Center, LLC | 10 | 2.4% | — |
| 8 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 9 | 2.2% | 14.1% |
| 9 | FREEDOM MORTGAGE CORPORATION | 9 | 2.2% | — |
| 10 | AmeriSave Mortgage Corporation | 8 | 2.0% | — |
| 11 | UNION HOME MORTGAGE CORP. | 8 | 2.0% | — |
| 12 | NEWREZ LLC | 7 | 1.7% | — |
| 13 | PENNYMAC LOAN SERVICES, LLC | 7 | 1.7% | — |
| 14 | MORTGAGE CENTER L.C | 7 | 1.7% | — |
| 15 | Navy Federal Credit Union 66 out of 100, Moderate | 6 | 1.5% | 32.9% |
| 16 | FIGURE LENDING LLC | 6 | 1.5% | — |
| 17 | PNC Bank, National Association 62 out of 100, Moderate | 5 | 1.2% | 33.8% |
| 18 | PLANET HOME LENDING, LLC | 5 | 1.2% | — |
| 19 | Loandepot.Com, LLC | 4 | 1.0% | — |
| 20 | AMERIHOME MORTGAGE COMPANY, LLC | 4 | 1.0% | — |
| 21 | Nicolet National Bank 64 out of 100, Moderate | 4 | 1.0% | 4.5% |
| 22 | ZILLOW HOME LOANS, LLC | 4 | 1.0% | — |
| 23 | MORTGAGE 1 INCORPORATED | 4 | 1.0% | — |
| 24 | NEW DAY FINANCIAL, LLC | 4 | 1.0% | — |
| 25 | Genisys Credit Union 81 out of 100, Strong | 4 | 1.0% | 18.7% |
| 26 | GreenStone Farm Credit Services, FLCA | 4 | 1.0% | — |
| 27 | PRESTON HOME LOANS INC | 3 | 0.7% | — |
| 28 | SOFI BANK, NATIONAL ASSOCIATION | 3 | 0.7% | — |
| 29 | The Dart Bank | 3 | 0.7% | — |
| 30 | STAUNTON FINANCIAL, INC. | 3 | 0.7% | — |
| 31 | DFCU FINANCIAL | 3 | 0.7% | — |
| 32 | LAKE MICHIGAN CREDIT UNION 73 out of 100, Strong | 3 | 0.7% | 7.3% |
| 33 | Fifth Third Bank, National Association 62 out of 100, Moderate | 3 | 0.7% | 34.0% |
| 34 | First State Bank 63 out of 100, Moderate | 3 | 0.7% | 4.6% |
| 35 | CROSSCOUNTRY MORTGAGE, INC. | 2 | 0.5% | — |
| 36 | SPRING EQ, LLC | 2 | 0.5% | — |
| 37 | Superior National Bank 73 out of 100, Strong | 2 | 0.5% | 3.4% |
| 38 | Michigan United Credit Union 76 out of 100, Strong | 2 | 0.5% | 14.1% |
| 39 | AMERICAN FINANCIAL RESOURCES, INC. | 2 | 0.5% | — |
| 40 | SayGO Home Loans, LLC | 2 | 0.5% | — |
Top 40 of 109 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