Michigan · HMDA 2025
Mortgage lenders in Otsego County, MI
161 lenders reported 1,259 home-loan applications in Otsego County in 2025. 726 closed as loans ($138.8M), 202 were denied — a 20.7% 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. 13 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 1,259
- Loans originated
- 726
- Purchase / refinance
- 308 / 208
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Otsego County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | COMMUNITY FINANCIAL CREDIT UNION | 199 | 15.8% | — |
| 2 | The Huntington National Bank 59 out of 100, Moderate | 144 | 11.4% | 31.6% |
| 3 | Rocket Mortgage, LLC | 99 | 7.9% | — |
| 4 | UNITED SHORE FINANCIAL SERVICES, LLC | 72 | 5.7% | — |
| 5 | Fifth Third Bank, National Association 62 out of 100, Moderate | 69 | 5.5% | 34.0% |
| 6 | State Savings Bank 61 out of 100, Moderate | 41 | 3.3% | 7.8% |
| 7 | PENNYMAC LOAN SERVICES, LLC | 28 | 2.2% | — |
| 8 | NEWREZ LLC | 27 | 2.1% | — |
| 9 | Mortgage Research Center, LLC | 25 | 2.0% | — |
| 10 | Horizon Bank 72 out of 100, Strong | 22 | 1.7% | 22.7% |
| 11 | Mercantile Bank 73 out of 100, Strong | 22 | 1.7% | 15.2% |
| 12 | Nicolet National Bank 64 out of 100, Moderate | 16 | 1.3% | 4.5% |
| 13 | LAKE MICHIGAN CREDIT UNION 73 out of 100, Strong | 15 | 1.2% | 7.3% |
| 14 | Broker Solutions, Inc. | 14 | 1.1% | — |
| 15 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 13 | 1.0% | 14.1% |
| 16 | UNION HOME MORTGAGE CORP. | 13 | 1.0% | — |
| 17 | Navy Federal Credit Union 66 out of 100, Moderate | 12 | 1.0% | 32.9% |
| 18 | 4Front Credit Union 54 out of 100, Below average | 12 | 1.0% | 10.0% |
| 19 | The Dart Bank | 12 | 1.0% | — |
| 20 | AmeriSave Mortgage Corporation | 11 | 0.9% | — |
| 21 | FIGURE LENDING LLC | 11 | 0.9% | — |
| 22 | FREEDOM MORTGAGE CORPORATION | 11 | 0.9% | — |
| 23 | CROSSCOUNTRY MORTGAGE, INC. | 10 | 0.8% | — |
| 24 | NEW DAY FINANCIAL, LLC | 10 | 0.8% | — |
| 25 | Loandepot.Com, LLC | 8 | 0.6% | — |
| 26 | LAKEVIEW LOAN SERVICING, LLC | 8 | 0.6% | — |
| 27 | GUARANTEED RATE, INC. | 7 | 0.6% | — |
| 28 | MICHIGAN FIRST CREDIT UNION 72 out of 100, Strong | 7 | 0.6% | 42.1% |
| 29 | PLANET HOME LENDING, LLC | 7 | 0.6% | — |
| 30 | SOFI BANK, NATIONAL ASSOCIATION | 7 | 0.6% | — |
| 31 | NATIONSTAR MORTGAGE LLC | 7 | 0.6% | — |
| 32 | CALCON MUTUAL MORTGAGE LLC | 7 | 0.6% | — |
| 33 | CARRINGTON MORTGAGE SERVICES, LLC | 7 | 0.6% | — |
| 34 | VILLAGE CAPITAL & INVESTMENT LLC | 7 | 0.6% | — |
| 35 | MORTGAGE CENTER L.C | 7 | 0.6% | — |
| 36 | Coastal Community Bank 35 out of 100, Low | 7 | 0.6% | 3.0% |
| 37 | SPRING EQ, LLC | 6 | 0.5% | — |
| 38 | THE LOAN STORE, INC. | 6 | 0.5% | — |
| 39 | STAUNTON FINANCIAL, INC. | 6 | 0.5% | — |
| 40 | Genisys Credit Union 81 out of 100, Strong | 6 | 0.5% | 18.7% |
Top 40 of 161 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