Mortgage lenders in Ottawa County
7,794 mortgages were made in Ottawa County, Michigan, in 2025, by 341 lenders. The median rate their borrowers got was 6.875% on a median loan of $215,000. Of 10,090 decisions, 1,826 were denials — 18.1%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| LAKE MICHIGAN CREDIT UNION | 1,951 | 6.875% | $195,000 | 6.8% |
| The Huntington National Bank | 634 | 7.590% | $155,000 | 22.4% |
| Fifth Third Bank, National Association | 577 | 7.500% | $105,000 | 20.2% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 362 | 6.375% | $305,000 | 12.9% |
| Rocket Mortgage, LLC | 337 | 6.750% | $215,000 | 16.2% |
| CONSUMERS CREDIT UNION | 281 | 5.990% | $155,000 | 16.1% |
| Mercantile Bank | 221 | 6.750% | $295,000 | 12.2% |
| NORTHERN MORTGAGE SERVICES, LLC | 143 | 6.625% | $325,000 | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | 124 | 8.490% | $65,000 | 51.8% |
| MORTGAGE 1 INCORPORATED | 114 | 6.625% | $305,000 | 2.4% |
| UNITED FEDERAL CREDIT UNION | 112 | 7.088% | $175,000 | 24.8% |
| Independent Bank | 108 | 6.750% | $275,000 | 6.8% |
| The Dart Bank | 107 | 6.625% | $295,000 | 6.9% |
| Old National Bank | 104 | 6.500% | $305,000 | 6.3% |
| JPMorgan Chase Bank, National Association | 99 | 6.500% | $255,000 | 10.7% |
| Macatawa Bank, N. A. | 97 | Not published | $105,000 | 19.2% |
| United Bank of Michigan | 96 | Not published | $295,000 | 3.0% |
| PNC Bank, National Association | 83 | 7.360% | $105,000 | 28.6% |
| West Michigan Community Bank | 63 | Not published | $285,000 | 8.5% |
| 21st Mortgage Corporation | 59 | 10.660% | $75,000 | 63.7% |
| ChoiceOne Bank | 59 | 6.500% | $205,000 | 17.8% |
| CHURCHILL MORTGAGE CORPORATION | 58 | 6.500% | $270,000 | 0.0% |
| NATIONSTAR MORTGAGE LLC | 56 | 8.120% | $140,000 | 12.1% |
| GUILD MORTGAGE COMPANY | 51 | 6.625% | $315,000 | 0.0% |
| NEWREZ LLC | 44 | 6.750% | $255,000 | 34.3% |
| FIGURE LENDING LLC | 41 | 8.350% | $55,000 | 20.5% |
| Northpointe Bank | 41 | 6.630% | $375,000 | 8.7% |
| CROSSCOUNTRY MORTGAGE, INC. | 40 | 6.750% | $290,000 | 7.0% |
| AAC Credit Union | 40 | 7.490% | $65,000 | 13.0% |
| UNION HOME MORTGAGE CORP. | 40 | 6.563% | $240,000 | 4.8% |
| PENNYMAC LOAN SERVICES, LLC | 39 | 6.490% | $285,000 | 20.0% |
| MICHIGAN STATE UNIVERSITY Federal Credit Union | 38 | 7.500% | $145,000 | 14.3% |
| FREEDOM MORTGAGE CORPORATION | 36 | 6.250% | $300,000 | 16.0% |
| Navy Federal Credit Union | 34 | 8.075% | $110,000 | 17.1% |
| Barrington Bank & Trust Company, National Association | 33 | 6.625% | $275,000 | 8.3% |
| SUCCESS MORTGAGE PARTNERS, INC. | 33 | 6.750% | $295,000 | 0.0% |
| Adventure Credit Union | 32 | 6.740% | $165,000 | 5.9% |
| DFCU FINANCIAL | 30 | 6.125% | $200,000 | 15.0% |
| Mortgage Research Center, LLC | 29 | 6.125% | $385,000 | 33.3% |
| Lake Trust Credit Union | 29 | 7.320% | $55,000 | 35.6% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 29 | 6.625% | $285,000 | 3.3% |
| SPRING EQ, LLC | 28 | 8.838% | $60,000 | 57.8% |
| Bank of America, National Association | 28 | 6.375% | $230,000 | 17.7% |
| MICHIGAN FIRST CREDIT UNION | 28 | 6.500% | $285,000 | 12.5% |
| Coastal Community Bank | 27 | 9.740% | $85,000 | 1.4% |
| Flagstar Bank, N.A. | 27 | 6.875% | $135,000 | 22.2% |
| MORTGAGE CENTER L.C | 27 | 6.000% | $265,000 | 12.9% |
| FIRST COMMUNITY MORTGAGE, INC. | 27 | 6.750% | $315,000 | 3.2% |
| Horizon Bank | 27 | 6.250% | $255,000 | 18.2% |
| GREENSTATE Credit Union | 26 | 8.090% | $85,000 | 43.5% |
| CANOPY MORTGAGE, LLC | 26 | 6.438% | $305,000 | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 26 | 6.875% | $340,000 | 3.7% |
| Fairway Independent Mortgage Corporation | 24 | 6.625% | $330,000 | 0.0% |
| ARBOR FINANCIAL CREDIT UNION | 24 | 7.125% | $160,000 | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 23 | 6.500% | $215,000 | 14.8% |
| RUOFF MORTGAGE COMPANY, INC. | 23 | 6.500% | $285,000 | 7.7% |
| CREDIT UNION ONE | 22 | 7.865% | $70,000 | 8.0% |
| Loandepot.Com, LLC | 21 | 6.625% | $125,000 | 32.3% |
| MMS MORTGAGE SERVICES, LTD. | 21 | 6.490% | $255,000 | 0.0% |
| AmeriSave Mortgage Corporation | 20 | 7.313% | $110,000 | 58.3% |
| T2 FINANCIAL LLC | 20 | 6.625% | $305,000 | 0.0% |
| GUARANTEED RATE, INC. | 19 | 6.600% | $325,000 | 4.8% |
| Honor Credit Union | 19 | 7.500% | $85,000 | 29.6% |
| Citizens Bank, National Association | 19 | 7.150% | $105,000 | 34.5% |
| VAN DYK MORTGAGE CORPORATION | 19 | 6.750% | $325,000 | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 17 | 7.750% | $125,000 | 14.3% |
| Comerica Bank | 17 | 5.990% | $105,000 | 10.5% |
| Lendage, LLC | 17 | 11.250% | $35,000 | 13.6% |
| Grand River Bank | 16 | Not published | $285,000 | 0.0% |
| First Merchants Bank | 14 | 6.438% | $265,000 | 12.5% |
| GreenStone Farm Credit Services, FLCA | 14 | 6.613% | $420,000 | 0.0% |
| COMMUNITY CHOICE | 13 | 8.250% | $45,000 | 35.0% |
| U.S. Bank National Association | 13 | 7.750% | $105,000 | 35.0% |
| LAKEVIEW LOAN SERVICING, LLC | 12 | 8.725% | $95,000 | 52.4% |
| Broker Solutions, Inc. | 12 | 6.870% | $325,000 | 29.4% |
| CARRINGTON MORTGAGE SERVICES, LLC | 12 | 8.120% | $130,000 | 43.3% |
| West Michigan Credit Union | 12 | 7.375% | $70,000 | 39.1% |
| Community West Credit Union | 12 | 7.245% | $100,000 | 14.3% |
| UNITED MORTGAGE CORP. | 12 | 6.438% | $275,000 | 7.1% |
| Superior National Bank | 11 | 6.625% | $275,000 | 0.0% |
| PARDA Federal Credit Union | 11 | 7.000% | $75,000 | 15.4% |
| EVERETT FINANCIAL, INC. | 10 | 6.933% | $300,000 | 9.1% |
| PLANET HOME LENDING, LLC | 10 | 5.750% | $235,000 | 15.4% |
| Sturgis Bank & Trust Company | 10 | 6.625% | $225,000 | 0.0% |
| Zippy Loans, LLC | 9 | Under 10 loans | Under 10 loans | 64.0% |
| BETTER MORTGAGE CORPORATION | 9 | Under 10 loans | Under 10 loans | 50.0% |
| FIRST COLONY MORTGAGE CORPORATION | 9 | Under 10 loans | Under 10 loans | 7.7% |
| TOP FLITE FINANCIAL, INC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 8 | Under 10 loans | Under 10 loans | 74.2% |
| 254900M2C4Q6DATP2889 | 8 | Under 10 loans | Under 10 loans | 11.1% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 8 | Under 10 loans | Under 10 loans | 20.0% |
| Commerce Home Mortgage, Inc. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| THE LOAN STORE, INC. | 7 | Under 10 loans | Under 10 loans | 33.3% |
| Kiavi Funding, Inc. | 7 | Under 10 loans | Under 10 loans | 12.5% |
| LEADERONE FINANCIAL CORPORATION | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Wells Fargo Bank, National Association | 6 | Under 10 loans | Under 10 loans | 33.3% |
| Valon Mortgage, Inc. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| TOWNE MORTGAGE COMPANY | 6 | Under 10 loans | Under 10 loans | 0.0% |
| PREFERRED CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Best Financial Credit Union | 6 | Under 10 loans | Under 10 loans | 0.0% |
| ZILLOW HOME LOANS, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 5 | Under 10 loans | Under 10 loans | 30.0% |
| NBKC BANK | 5 | Under 10 loans | Under 10 loans | 28.6% |
| DEEPHAVEN MORTGAGE LLC | 5 | Under 10 loans | Under 10 loans | 44.4% |
| Tomo Mortgage, LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| GVC MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 4 | Under 10 loans | Under 10 loans | 33.3% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Genisys Credit Union | 4 | Under 10 loans | Under 10 loans | 42.9% |
| ADVIA Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 20.0% |
| MICHIGAN MUTUAL, INC. | 4 | Under 10 loans | Under 10 loans | 16.7% |
| USAA Federal Savings Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MICHIGAN SCHOOLS AND GOVERNMENT | 4 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| The Shelby State Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PFN Lending Group, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CMG MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| KIND LENDING, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Meijer Credit Union | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Prosperity Home Mortgage, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| GREENWOOD CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 3 | Under 10 loans | Under 10 loans | 66.7% |
| AMERICAN FINANCING CORPORATION | 3 | Under 10 loans | Under 10 loans | 60.0% |
| Third Federal Savings and Loan Association of Cleveland | 3 | Under 10 loans | Under 10 loans | 66.7% |
| NEW DAY FINANCIAL, LLC | 3 | Under 10 loans | Under 10 loans | 50.0% |
| The Federal Savings Bank | 3 | Under 10 loans | Under 10 loans | 40.0% |
| LOWER, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| 4Front Credit Union | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Morgan Stanley Private Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| First Federal Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| 254900DIWCHEQWZ9GV45 | 3 | Under 10 loans | Under 10 loans | 0.0% |
| COMMUNITY FINANCIAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| OCMBC, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| J. VIRGIL, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| QUORUM FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Southern Michigan Bank & Trust | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| UNIVERSITY OF MICHIGAN CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MEMBERS FIRST Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| HOMESTEAD FUNDING CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| RIVER VALLEY CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CHAMPIONS FUNDING, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| KeyBank National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MISSION LOANS, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Old Second National Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| MOVEMENT MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | 2 | Under 10 loans | Under 10 loans | 60.0% |
| Goldman Sachs Bank USA | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Citadel Servicing Corporation | 2 | Under 10 loans | Under 10 loans | 25.0% |
| Loan Funder LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| University Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone First Mortgage, Inc | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTH RIVER MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of America | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE ACCESS CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LoanUnited.com, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Savings Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Manufacturers and Traders Trust Company | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 254900UYC52VIJUZ5X82 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 254900W66Q1214MV8X83 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Dort Financial Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MICHIGAN EDUCATIONAL | 2 | Under 10 loans | Under 10 loans | 0.0% |
| JMAC LENDING, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| COAST ONE MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| UBS Bank USA | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Evolve Bank & Trust | 2 | Under 10 loans | Under 10 loans | 0.0% |
| STAUNTON FINANCIAL, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Bethpage Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TRADITIONAL MORTGAGE ACCEPTANCE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First State Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LOC Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SayGO Home Loans, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| United Trust Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LENDINGONE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 83.3% |
| Citibank, National Association | 1 | Under 10 loans | Under 10 loans | 66.7% |
| PHH Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DOW CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TAMMAC HOLDINGS CORPORATION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| KELLOGG COMMUNITY CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Filo Mortgage, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| THE MORTGAGE LINK, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bell Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GoodLeap, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Quontic Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Route 31 Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 141 lenders each made 1 or fewer mortgages here, and are counted in the totals above.
Bank branches in Ottawa County
61 FDIC-insured branches from 15 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| Macatawa Bank, National Association | 15 | $1.3 billion |
| The Huntington National Bank | 12 | $1.4 billion |
| Fifth Third Bank, National Association | 9 | $1.2 billion |
| West Michigan Community Bank | 6 | $891.6 million |
| JPMorgan Chase Bank, National Association | 4 | $521.3 million |
| PNC Bank, National Association | 3 | $178.8 million |
| Flagstar Bank, National Association | 2 | $161.5 million |
| ChoiceOne Bank | 2 | $120.9 million |
| United Bank of Michigan | 2 | $52.6 million |
| Independent Bank | 1 | $89.9 million |
| Horizon Bank | 1 | $56.4 million |
| First National Bank of Michigan | 1 | $48.0 million |
| Old National Bank | 1 | $33.5 million |
| Mercantile Bank | 1 | $28.7 million |
| Commercial Bank | 1 | $5.2 million |
Closed since the 2025 survey
1 branch in the 2025 survey has no 2026 row: closed, sold, or moved.
- Macatawa Bank, National Association, 815 E Main Ave, Zeeland
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When the next year’s lending figures are out for Ottawa County, or a lender arrives or leaves.
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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. Branches and deposits come from the FDIC Summary of Deposits as of 30 June 2026, and bank balance sheets from the FDIC institutions directory. 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.