Home purchase lenders in Ottawa County
3,276 home purchase mortgages were made in Ottawa County, Michigan, in 2025, by 242 lenders. The median rate their borrowers got was 6.600% on a median loan of $305,000. Of 4,127 decisions, 618 were denials — 15.0%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| LAKE MICHIGAN CREDIT UNION | 897 | 6.375% | $325,000 | 2.6% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 186 | 6.625% | $325,000 | 5.1% |
| TRIAD FINANCIAL SERVICES, INC. | 122 | 8.490% | $65,000 | 51.6% |
| NORTHERN MORTGAGE SERVICES, LLC | 121 | 6.625% | $315,000 | 0.0% |
| Mercantile Bank | 116 | 6.625% | $325,000 | 5.7% |
| Fifth Third Bank, National Association | 94 | 6.625% | $305,000 | 13.0% |
| CONSUMERS CREDIT UNION | 93 | 6.750% | $345,000 | 0.0% |
| The Huntington National Bank | 87 | 6.500% | $285,000 | 10.2% |
| MORTGAGE 1 INCORPORATED | 85 | 6.625% | $315,000 | 2.2% |
| Old National Bank | 72 | 6.500% | $365,000 | 4.0% |
| The Dart Bank | 67 | 6.625% | $345,000 | 5.6% |
| Independent Bank | 67 | 6.625% | $345,000 | 1.5% |
| Rocket Mortgage, LLC | 66 | 6.563% | $305,000 | 10.8% |
| United Bank of Michigan | 66 | Not published | $325,000 | 1.5% |
| 21st Mortgage Corporation | 56 | 10.670% | $75,000 | 63.3% |
| West Michigan Community Bank | 50 | Not published | $300,000 | 5.5% |
| CHURCHILL MORTGAGE CORPORATION | 50 | 6.625% | $255,000 | 0.0% |
| JPMorgan Chase Bank, National Association | 47 | 6.490% | $305,000 | 6.0% |
| UNITED FEDERAL CREDIT UNION | 40 | 6.495% | $325,000 | 7.0% |
| GUILD MORTGAGE COMPANY | 39 | 6.625% | $315,000 | 0.0% |
| SUCCESS MORTGAGE PARTNERS, INC. | 31 | 6.750% | $295,000 | 0.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 27 | 6.625% | $305,000 | 0.0% |
| Northpointe Bank | 26 | 6.628% | $375,000 | 3.6% |
| GREENSTATE Credit Union | 25 | 8.090% | $85,000 | 44.1% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 24 | 6.625% | $275,000 | 0.0% |
| Mortgage Research Center, LLC | 23 | 6.125% | $385,000 | 7.7% |
| MICHIGAN FIRST CREDIT UNION | 23 | 6.375% | $285,000 | 4.2% |
| RUOFF MORTGAGE COMPANY, INC. | 21 | 6.500% | $275,000 | 4.4% |
| FIRST COMMUNITY MORTGAGE, INC. | 20 | 6.813% | $305,000 | 4.2% |
| UNION HOME MORTGAGE CORP. | 20 | 6.438% | $265,000 | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 20 | 6.875% | $330,000 | 0.0% |
| Barrington Bank & Trust Company, National Association | 19 | 6.625% | $305,000 | 5.0% |
| Fairway Independent Mortgage Corporation | 19 | 6.625% | $335,000 | 0.0% |
| ChoiceOne Bank | 16 | 6.500% | $290,000 | 15.8% |
| CANOPY MORTGAGE, LLC | 16 | 6.500% | $310,000 | 0.0% |
| NEWREZ LLC | 16 | 6.563% | $305,000 | 15.8% |
| MORTGAGE CENTER L.C | 16 | 6.250% | $305,000 | 11.1% |
| VAN DYK MORTGAGE CORPORATION | 16 | 6.875% | $330,000 | 0.0% |
| GUARANTEED RATE, INC. | 14 | 6.525% | $460,000 | 0.0% |
| MMS MORTGAGE SERVICES, LTD. | 14 | 6.433% | $255,000 | 0.0% |
| Grand River Bank | 13 | Not published | $295,000 | 0.0% |
| Horizon Bank | 13 | 6.625% | $305,000 | 13.3% |
| Adventure Credit Union | 12 | 5.990% | $350,000 | 7.7% |
| T2 FINANCIAL LLC | 12 | 6.813% | $315,000 | 0.0% |
| Bank of America, National Association | 12 | 6.375% | $325,000 | 0.0% |
| DFCU FINANCIAL | 11 | 6.250% | $355,000 | 0.0% |
| PENNYMAC LOAN SERVICES, LLC | 11 | 6.875% | $305,000 | 15.4% |
| Navy Federal Credit Union | 10 | 6.188% | $400,000 | 9.1% |
| Superior National Bank | 10 | 6.625% | $260,000 | 0.0% |
| ARBOR FINANCIAL CREDIT UNION | 10 | 6.688% | $225,000 | 0.0% |
| Zippy Loans, LLC | 9 | Under 10 loans | Under 10 loans | 64.0% |
| PNC Bank, National Association | 9 | Under 10 loans | Under 10 loans | 18.2% |
| Flagstar Bank, N.A. | 9 | Under 10 loans | Under 10 loans | 10.0% |
| GreenStone Farm Credit Services, FLCA | 9 | Under 10 loans | Under 10 loans | 0.0% |
| MICHIGAN STATE UNIVERSITY Federal Credit Union | 9 | Under 10 loans | Under 10 loans | 9.1% |
| Sturgis Bank & Trust Company | 8 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 7 | Under 10 loans | Under 10 loans | 11.1% |
| Kiavi Funding, Inc. | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Commerce Home Mortgage, Inc. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONSTAR MORTGAGE LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| EVERETT FINANCIAL, INC. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| THE LOAN STORE, INC. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| AMERICAN FINANCIAL RESOURCES, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| AAC Credit Union | 6 | Under 10 loans | Under 10 loans | 0.0% |
| ZILLOW HOME LOANS, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Tomo Mortgage, LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Broker Solutions, Inc. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| TOP FLITE FINANCIAL, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| LEADERONE FINANCIAL CORPORATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| GVC MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Macatawa Bank, N. A. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| U.S. Bank National Association | 5 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 4 | Under 10 loans | Under 10 loans | 33.3% |
| USAA Federal Savings Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| First Merchants Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| MICHIGAN MUTUAL, INC. | 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% |
| Wells Fargo Bank, National Association | 3 | Under 10 loans | Under 10 loans | 40.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| TOWNE MORTGAGE COMPANY | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Honor Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT UNION ONE | 3 | Under 10 loans | Under 10 loans | 0.0% |
| OCMBC, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Southern Michigan Bank & Trust | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Prosperity Home Mortgage, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PFN Lending Group, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CMG MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CHAMPIONS FUNDING, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Old Second National Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 2 | Under 10 loans | Under 10 loans | 33.3% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Citadel Servicing Corporation | 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% |
| Genisys Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 254900DIWCHEQWZ9GV45 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Best Financial Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| UNITED MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| JMAC LENDING, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MOVEMENT 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% |
| J. VIRGIL, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| STAUNTON FINANCIAL, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PARDA Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MEMBERS FIRST Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| KIND LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First State Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 2 | Under 10 loans | Under 10 loans | 0.0% |
| KeyBank National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Goldman Sachs Bank USA | 2 | 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% |
| Loandepot.Com, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Morgan Stanley Private Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| MICHIGAN SCHOOLS AND GOVERNMENT | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bell Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AmeriSave Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 66.7% |
| First Federal Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NBKC BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Quontic Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Community West Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| SOUTHWEST STAGE FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| THE MORTGAGE LINK, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FREEDOM MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| WRIGHT-PATT CREDIT UNION, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Busey Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Wheaton Bank & Trust, N.A. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Bank, National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Cornerstone First Mortgage, Inc | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Watermark Capital, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PREFERRED CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ENCOMPASS LENDING GROUP, LP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Funder LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 254900UYC52VIJUZ5X82 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Nicolet National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BMO Bank National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RBC Bank, (Georgia) National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CONSUMERS COOPERATIVE CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| COMMUNITY FINANCIAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LIBERTY HOME MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PORTFOLIO MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Pinnacle Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PLUS RELOCATION MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Thumb Bank and Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FOX COMMUNITIES Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Civista Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Wings Financial Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Premia Mortgage, LLC DBA Premia Relocation Mortgage | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ENVOY MORTGAGE, LTD | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SUMMIT HOME MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| North American Savings Bank, F.S.B. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Plains Commerce Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SIRVA MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Academy Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CALCON MUTUAL MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FirstBank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BANC ONE MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BAYSHORE MORTGAGE FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of Colorado | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NEW DAY FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOMESTEAD FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BoxCar Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| WRIGHT PATMAN CONGRESSIONAL FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Central Trust Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| COMPASS MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RIVER VALLEY CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LOC Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DAS Acquisition Company, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Comerica Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| City Bank & Trust Co. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citibank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Regions Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 1st Source Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Financial Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 254900O723MCLR701H50 | 0 | Under 10 loans | Under 10 loans | 95.2% |
| LENDINGONE, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| HFG HOLDINGS, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| West Michigan Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| HomePromise Corporation | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Evergreen Bank Group | 0 | Under 10 loans | Under 10 loans | 100.0% |
| STAR USA FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 0.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 42 lenders each made 0 or fewer mortgages here, and are counted in the totals above.
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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.