Michigan · HMDA 2025
Mortgage lenders in Saginaw County, MI
263 lenders reported 6,244 home-loan applications in Saginaw County in 2025. 3,495 closed as loans ($588.3M), 1,073 were denied — a 22.7% denial rate on decided applications, close to the Michigan rate of 22.4%. The three most active lenders handled 21% of applications, led by The Huntington National Bank. 17 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 6,244
- Loans originated
- 3,495
- Purchase / refinance
- 1,814 / 952
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Saginaw County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | The Huntington National Bank 59 out of 100, Moderate | 521 | 8.3% | 31.6% |
| 2 | Rocket Mortgage, LLC | 415 | 6.6% | — |
| 3 | Frankenmuth Credit Union 64 out of 100, Moderate | 366 | 5.9% | 2.8% |
| 4 | UNITED SHORE FINANCIAL SERVICES, LLC | 350 | 5.6% | — |
| 5 | FINANCIAL PLUS CREDIT UNION | 189 | 3.0% | — |
| 6 | LAKE MICHIGAN CREDIT UNION 73 out of 100, Strong | 165 | 2.6% | 7.3% |
| 7 | Independent Bank 63 out of 100, Moderate | 142 | 2.3% | 17.6% |
| 8 | Mortgage Research Center, LLC | 140 | 2.2% | — |
| 9 | Wildfire Credit Union 70 out of 100, Strong | 132 | 2.1% | 12.1% |
| 10 | PNC Bank, National Association 62 out of 100, Moderate | 131 | 2.1% | 33.8% |
| 11 | Isabella Bank 62 out of 100, Moderate | 130 | 2.1% | 16.4% |
| 12 | PENNYMAC LOAN SERVICES, LLC | 128 | 2.0% | — |
| 13 | NEWREZ LLC | 125 | 2.0% | — |
| 14 | STAUNTON FINANCIAL, INC. | 104 | 1.7% | — |
| 15 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 100 | 1.6% | 14.1% |
| 16 | 21st Mortgage Corporation | 96 | 1.5% | — |
| 17 | UNITED FINANCIAL Credit Union 68 out of 100, Moderate | 96 | 1.5% | 11.8% |
| 18 | PRESTON HOME LOANS INC | 95 | 1.5% | — |
| 19 | PLANET HOME LENDING, LLC | 88 | 1.4% | — |
| 20 | DOW CREDIT UNION 73 out of 100, Strong | 83 | 1.3% | 11.1% |
| 21 | Fifth Third Bank, National Association 62 out of 100, Moderate | 83 | 1.3% | 34.0% |
| 22 | GUARANTEED RATE, INC. | 73 | 1.2% | — |
| 23 | Citizens Bank, National Association 54 out of 100, Below average | 70 | 1.1% | 32.5% |
| 24 | Broker Solutions, Inc. | 67 | 1.1% | — |
| 25 | AMERIHOME MORTGAGE COMPANY, LLC | 67 | 1.1% | — |
| 26 | BLG HOLDINGS, INC. | 67 | 1.1% | — |
| 27 | FREEDOM MORTGAGE CORPORATION | 67 | 1.1% | — |
| 28 | JOLT CREDIT UNION 69 out of 100, Moderate | 66 | 1.1% | 24.6% |
| 29 | NATIONSTAR MORTGAGE LLC | 61 | 1.0% | — |
| 30 | AmeriSave Mortgage Corporation | 55 | 0.9% | — |
| 31 | Coastal Community Bank 35 out of 100, Low | 53 | 0.8% | 3.0% |
| 32 | Loandepot.Com, LLC | 51 | 0.8% | — |
| 33 | FIGURE LENDING LLC | 50 | 0.8% | — |
| 34 | Lake Huron Credit Union 74 out of 100, Strong | 48 | 0.8% | 56.5% |
| 35 | CREDIT UNION ONE 76 out of 100, Strong | 48 | 0.8% | 29.5% |
| 36 | 1ST STATE FINANCIAL, LTD. | 47 | 0.8% | — |
| 37 | DAS Acquisition Company, LLC | 47 | 0.8% | — |
| 38 | Navy Federal Credit Union 66 out of 100, Moderate | 45 | 0.7% | 32.9% |
| 39 | The Dart Bank | 45 | 0.7% | — |
| 40 | MORTGAGE 1 INCORPORATED | 45 | 0.7% | — |
Top 40 of 263 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