Michigan · HMDA 2025
Mortgage lenders in Ottawa County, MI
334 lenders reported 12,741 home-loan applications in Ottawa County in 2025. 7,794 closed as loans ($2.0B), 1,826 were denied — a 18.1% denial rate on decided applications, below the Michigan rate of 22.4%. The three most active lenders handled 34% of applications, led by LAKE MICHIGAN CREDIT UNION. 17 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 12,741
- Loans originated
- 7,794
- Purchase / refinance
- 3,276 / 2,521
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Ottawa County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | LAKE MICHIGAN CREDIT UNION 73 out of 100, Strong | 2,513 | 19.7% | 7.3% |
| 2 | The Huntington National Bank 59 out of 100, Moderate | 936 | 7.3% | 31.6% |
| 3 | Fifth Third Bank, National Association 62 out of 100, Moderate | 894 | 7.0% | 34.0% |
| 4 | TRIAD FINANCIAL SERVICES, INC. | 571 | 4.5% | — |
| 5 | UNITED SHORE FINANCIAL SERVICES, LLC | 469 | 3.7% | — |
| 6 | Rocket Mortgage, LLC | 447 | 3.5% | — |
| 7 | CONSUMERS CREDIT UNION | 383 | 3.0% | — |
| 8 | Mercantile Bank 73 out of 100, Strong | 309 | 2.4% | 15.2% |
| 9 | PENNYMAC LOAN SERVICES, LLC | 299 | 2.3% | — |
| 10 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 254 | 2.0% | 14.1% |
| 11 | 21st Mortgage Corporation | 243 | 1.9% | — |
| 12 | UNITED FEDERAL CREDIT UNION | 186 | 1.5% | — |
| 13 | NORTHERN MORTGAGE SERVICES, LLC | 176 | 1.4% | — |
| 14 | NEWREZ LLC | 164 | 1.3% | — |
| 15 | Independent Bank 63 out of 100, Moderate | 147 | 1.2% | 17.6% |
| 16 | The Dart Bank | 147 | 1.2% | — |
| 17 | PNC Bank, National Association 62 out of 100, Moderate | 146 | 1.1% | 33.8% |
| 18 | NATIONSTAR MORTGAGE LLC | 145 | 1.1% | — |
| 19 | MORTGAGE 1 INCORPORATED | 137 | 1.1% | — |
| 20 | Macatawa Bank, N. A. 76 out of 100, Strong | 130 | 1.0% | 22.5% |
| 21 | AMERIHOME MORTGAGE COMPANY, LLC | 124 | 1.0% | — |
| 22 | Old National Bank 59 out of 100, Moderate | 122 | 1.0% | 22.1% |
| 23 | FIGURE LENDING LLC | 112 | 0.9% | — |
| 24 | FREEDOM MORTGAGE CORPORATION | 111 | 0.9% | — |
| 25 | United Bank of Michigan 74 out of 100, Strong | 108 | 0.8% | 14.7% |
| 26 | Coastal Community Bank 35 out of 100, Low | 87 | 0.7% | 3.0% |
| 27 | ChoiceOne Bank 61 out of 100, Moderate | 84 | 0.7% | 22.0% |
| 28 | Mortgage Research Center, LLC | 83 | 0.7% | — |
| 29 | SPRING EQ, LLC | 82 | 0.6% | — |
| 30 | West Michigan Community Bank 53 out of 100, Below average | 79 | 0.6% | 7.4% |
| 31 | GUILD MORTGAGE COMPANY | 73 | 0.6% | — |
| 32 | GREENSTATE Credit Union 50 out of 100, Below average | 70 | 0.5% | 10.1% |
| 33 | CHURCHILL MORTGAGE CORPORATION | 68 | 0.5% | — |
| 34 | Northpointe Bank 58 out of 100, Moderate | 67 | 0.5% | 10.4% |
| 35 | LAKEVIEW LOAN SERVICING, LLC | 64 | 0.5% | — |
| 36 | CROSSCOUNTRY MORTGAGE, INC. | 57 | 0.4% | — |
| 37 | MICHIGAN STATE UNIVERSITY Federal Credit Union 51 out of 100, Below average | 57 | 0.4% | 20.6% |
| 38 | Zippy Loans, LLC | 54 | 0.4% | — |
| 39 | SOFI BANK, NATIONAL ASSOCIATION | 52 | 0.4% | — |
| 40 | Navy Federal Credit Union 66 out of 100, Moderate | 51 | 0.4% | 32.9% |
Top 40 of 334 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
- 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