Refinancing lenders in Ottawa County
1,592 refinancing mortgages were made in Ottawa County, Michigan, in 2025, by 172 lenders. The median rate their borrowers got was 6.625% on a median loan of $185,000. Of 1,987 decisions, 328 were denials — 16.5%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| LAKE MICHIGAN CREDIT UNION | 341 | 7.240% | $145,000 | 8.9% |
| Fifth Third Bank, National Association | 228 | 7.500% | $105,000 | 14.2% |
| CONSUMERS CREDIT UNION | 169 | 5.990% | $95,000 | 23.9% |
| The Huntington National Bank | 118 | 7.690% | $155,000 | 24.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 101 | 5.875% | $315,000 | 9.5% |
| Rocket Mortgage, LLC | 74 | 5.875% | $300,000 | 14.3% |
| Mercantile Bank | 47 | 6.500% | $325,000 | 9.6% |
| PNC Bank, National Association | 27 | 7.360% | $125,000 | 30.0% |
| FREEDOM MORTGAGE CORPORATION | 26 | 6.250% | $335,000 | 11.4% |
| Macatawa Bank, N. A. | 24 | Not published | $145,000 | 20.0% |
| The Dart Bank | 19 | 6.250% | $285,000 | 5.0% |
| ChoiceOne Bank | 19 | 6.459% | $195,000 | 13.6% |
| United Bank of Michigan | 19 | Not published | $215,000 | 5.0% |
| NORTHERN MORTGAGE SERVICES, LLC | 18 | 5.990% | $340,000 | 0.0% |
| UNITED FEDERAL CREDIT UNION | 17 | 7.750% | $55,000 | 21.7% |
| JPMorgan Chase Bank, National Association | 15 | 6.125% | $235,000 | 11.8% |
| PENNYMAC LOAN SERVICES, LLC | 14 | 5.990% | $305,000 | 6.3% |
| NEWREZ LLC | 12 | 6.438% | $365,000 | 14.3% |
| Independent Bank | 11 | 7.000% | $125,000 | 15.4% |
| MORTGAGE 1 INCORPORATED | 11 | 6.625% | $245,000 | 6.3% |
| CANOPY MORTGAGE, LLC | 10 | 5.995% | $250,000 | 0.0% |
| Old National Bank | 10 | 6.138% | $210,000 | 16.7% |
| UNION HOME MORTGAGE CORP. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| West Michigan Community Bank | 8 | Under 10 loans | Under 10 loans | 11.1% |
| NATIONSTAR MORTGAGE LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| GUILD MORTGAGE COMPANY | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Comerica Bank | 7 | Under 10 loans | Under 10 loans | 22.2% |
| PLANET HOME LENDING, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| FIRST COMMUNITY MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE CENTER L.C | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Research Center, LLC | 5 | Under 10 loans | Under 10 loans | 54.6% |
| Northpointe Bank | 5 | Under 10 loans | Under 10 loans | 16.7% |
| VILLAGE CAPITAL & INVESTMENT LLC | 5 | Under 10 loans | Under 10 loans | 25.0% |
| Citizens Bank, National Association | 5 | Under 10 loans | Under 10 loans | 28.6% |
| First Merchants Bank | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Horizon Bank | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Barrington Bank & Trust Company, National Association | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 4 | Under 10 loans | Under 10 loans | 33.3% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Flagstar Bank, N.A. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Bank of America, National Association | 4 | Under 10 loans | Under 10 loans | 20.0% |
| T2 FINANCIAL LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| VAN DYK MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NBKC BANK | 3 | Under 10 loans | Under 10 loans | 25.0% |
| PARDA Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 25.0% |
| COMMUNITY CHOICE | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Lendage, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| The Shelby State Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| TRIAD FINANCIAL SERVICES, INC. | 2 | Under 10 loans | Under 10 loans | 66.7% |
| Third Federal Savings and Loan Association of Cleveland | 2 | Under 10 loans | Under 10 loans | 66.7% |
| 21st Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 60.0% |
| DFCU FINANCIAL | 2 | Under 10 loans | Under 10 loans | 40.0% |
| Lake Trust Credit Union | 2 | Under 10 loans | Under 10 loans | 50.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| EVERETT FINANCIAL, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTH RIVER MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MICHIGAN STATE UNIVERSITY Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| UNITED MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Fairway Independent Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LoanUnited.com, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Grand River Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TRADITIONAL MORTGAGE ACCEPTANCE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HOMESTEAD FUNDING CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| U.S. Bank National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SayGO Home Loans, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MICHIGAN FIRST CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 75.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 33.3% |
| LOWER, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| FINANCE OF AMERICA REVERSE LLC | 1 | Under 10 loans | Under 10 loans | 75.0% |
| MISSION LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Adventure Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| RUOFF MORTGAGE COMPANY, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Cornerstone First Mortgage, Inc | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 254900DIWCHEQWZ9GV45 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Honor Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| MERCHANTS CAPITAL CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT UNION ONE | 1 | Under 10 loans | Under 10 loans | 50.0% |
| PFN Lending Group, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CMG MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Equity Prime Mortgage LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| KIND LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PHH Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Savings Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| AAC Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Superior National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CREDENCE FUNDING CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Strong Home Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Funder LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Prosperity Home Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| POLARIS HOME FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Loandepot.Com, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| COAST ONE MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ARBOR FINANCIAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| University Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LUMENT REAL ESTATE CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| J. VIRGIL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bethpage Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| OAKTREE FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RESIDENTIAL WHOLESALE MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MICHIGAN ONE COMMUNITY Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MILEND, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Genisys Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BELLWETHER ENTERPRISE REAL ESTATE CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Baxter Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Centier Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL UNITED MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ADVIA Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SUCCESS MORTGAGE PARTNERS, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GREENSTATE Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MICHIGAN SCHOOLS AND GOVERNMENT | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Isabella Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AmeriSave Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RIVER VALLEY CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Broker Solutions, Inc. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| 254900O723MCLR701H50 | 0 | Under 10 loans | Under 10 loans | 100.0% |
| MOVEMENT MORTGAGE, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| PENTAGON FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Michigan Legacy Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| INTELLILOAN, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| 9845005BP6974AE5D838 | 0 | Under 10 loans | Under 10 loans | 100.0% |
| 254900M2C4Q6DATP2889 | 0 | Under 10 loans | Under 10 loans | Not published |
| Navy Federal Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERICAN FINANCING CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| MICHIGAN MUTUAL, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Goldman Sachs Bank USA | 0 | Under 10 loans | Under 10 loans | 100.0% |
| PRESTON HOME LOANS INC | 0 | Under 10 loans | Under 10 loans | Not published |
| THE LOAN STORE, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Michigan United Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| LEADERONE FINANCIAL CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| FIRST COLONY MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | 0.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| ROSS MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | 0.0% |
| Kiavi Funding, Inc. | 0 | Under 10 loans | Under 10 loans | Not published |
| COMMUNITY FINANCIAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| LENDINGONE, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| HIGHTECHLENDING INC | 0 | Under 10 loans | Under 10 loans | 0.0% |
| THE MORTGAGE LINK, INC. | 0 | Under 10 loans | Under 10 loans | 0.0% |
| ENVOY MORTGAGE, LTD | 0 | Under 10 loans | Under 10 loans | Not published |
| Farmers Bank & Trust | 0 | Under 10 loans | Under 10 loans | 100.0% |
| LONGBRIDGE FINANCIAL, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| SPRING EQ, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| ALLIED MORTGAGE GROUP, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| The Central Trust Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| DEEPHAVEN MORTGAGE LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| MMS MORTGAGE SERVICES, LTD. | 0 | Under 10 loans | Under 10 loans | Not published |
| USAA Federal Savings Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| Regions Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| REDWOOD RESIDENTIAL ACQUISITION CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| OCMBC, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| Truist Bank | 0 | Under 10 loans | Under 10 loans | Not published |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials.
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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.