ChoiceOne Bank
ChoiceOne Bank received 1,460 applications in 2025 and made 939 mortgages, in 72 counties across 6 states. The median rate its borrowers got was 6.750% on a median loan of $155,000. Of 1,230 decisions, 270 were denials — 22.0%, most often for credit history.
| Legal Entity Identifier | 549300U7ERLWHOGWFM48 |
|---|---|
| Applications received | 1,460 |
| Mortgages made | 939 |
| Denied | 270 |
| Approved, not taken up | 21 |
| Withdrawn or incomplete | 230 |
| Loans bought from other lenders | 2 |
| Median rate spread over the prime offer rate | 0.437 points |
| FDIC-insured bank | Yes: ChoiceOne Bank, 50 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 307 | 6.625% | $245,000 | 9.6% |
| Refinancing | 196 | 6.610% | $135,000 | 26.4% |
| Cash-out refinancing | 115 | 7.000% | $165,000 | 19.2% |
| Other purposes | 321 | 7.000% | $65,000 | 29.3% |
Where ChoiceOne Bank lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Kent County, MI | 159 | 6.750% | 15.9% |
| Muskegon County, MI | 96 | 6.875% | 24.6% |
| Lapeer County, MI | 86 | 6.750% | 28.2% |
| Genesee County, MI | 83 | 6.750% | 23.8% |
| Newaygo County, MI | 82 | 7.000% | 24.6% |
| St. Clair County, MI | 74 | 6.875% | 29.3% |
| Ottawa County, MI | 59 | 6.500% | 17.8% |
| Oakland County, MI | 44 | 6.625% | 21.1% |
| Macomb County, MI | 36 | 6.500% | 18.2% |
| Livingston County, MI | 31 | 6.375% | 20.5% |
| Wayne County, MI | 22 | 6.813% | 26.7% |
| Saginaw County, MI | 20 | 6.563% | 37.5% |
| Allegan County, MI | 14 | 6.950% | 0.0% |
| Montcalm County, MI | 14 | 6.625% | 11.8% |
| Ingham County, MI | 11 | 6.875% | 0.0% |
| Sanilac County, MI | 10 | 7.000% | 37.5% |
| Jackson County, MI | 8 | Under 10 loans | 35.7% |
| Oceana County, MI | 7 | Under 10 loans | 11.1% |
| Barry County, MI | 5 | Under 10 loans | 0.0% |
| Ionia County, MI | 5 | Under 10 loans | 0.0% |
| Kalamazoo County, MI | 5 | Under 10 loans | 0.0% |
| Shiawassee County, MI | 5 | Under 10 loans | 16.7% |
| Tuscola County, MI | 5 | Under 10 loans | 16.7% |
| Mecosta County, MI | 4 | Under 10 loans | 16.7% |
| Huron County, MI | 3 | Under 10 loans | 25.0% |
| Iosco County, MI | 3 | Under 10 loans | 40.0% |
| Lake County, MI | 3 | Under 10 loans | 0.0% |
| Osceola County, MI | 3 | Under 10 loans | 0.0% |
| Lee County, FL | 2 | Under 10 loans | 0.0% |
| Seminole County, FL | 2 | Under 10 loans | 0.0% |
| Antrim County, MI | 2 | Under 10 loans | 0.0% |
| Bay County, MI | 2 | Under 10 loans | 0.0% |
| Gladwin County, MI | 2 | Under 10 loans | 0.0% |
| Mason County, MI | 2 | Under 10 loans | 0.0% |
| Van Buren County, MI | 2 | Under 10 loans | 33.3% |
| Wexford County, MI | 2 | Under 10 loans | 0.0% |
| Maricopa County, AZ | 1 | Under 10 loans | 0.0% |
| Charlotte County, FL | 1 | Under 10 loans | 0.0% |
| Highlands County, FL | 1 | Under 10 loans | 0.0% |
| Pinellas County, FL | 1 | Under 10 loans | 0.0% |
| Sarasota County, FL | 1 | Under 10 loans | 0.0% |
| Alger County, MI | 1 | Under 10 loans | 0.0% |
| Arenac County, MI | 1 | Under 10 loans | 0.0% |
| Benzie County, MI | 1 | Under 10 loans | 0.0% |
| Berrien County, MI | 1 | Under 10 loans | 0.0% |
| Charlevoix County, MI | 1 | Under 10 loans | 0.0% |
| Chippewa County, MI | 1 | Under 10 loans | 0.0% |
| Clare County, MI | 1 | Under 10 loans | 50.0% |
| Eaton County, MI | 1 | Under 10 loans | 0.0% |
| Grand Traverse County, MI | 1 | Under 10 loans | 0.0% |
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When ChoiceOne Bank’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.