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Calhoun County, Michigan · 2025

Mortgage lenders in Calhoun County, MI: denial rates and top lenders (2025)

259 lenders acted on 5,402 mortgage applications for properties in Calhoun County in 2025. 20.2% were denied (Michigan: 18.5%). Median rate on closed loans 6.88%; median loan $115,000; median property value $215,000.

5.4kApplications
20.2%Denial ratestate 18.5%
6.88%Median ratestate 6.75%
$115,000Median loan
$215,000Median property value

Largest lenders in Calhoun County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 Rocket Mortgage C 366251 21.6%6.63%
2 Kellogg Community Credit Union B 364334 1.4%7.50%
3 The Huntington National Bank D 275145 34.6%7.59%
4 Marshall Community Credit Union B 238220 0.8%7.13%
5 ADVIA Federal Credit Union D 225117 31.6%7.50%
6 Unnamed lender 254900W66Q1214MV8X83 D 20797 30.4%7.13%
7 United Shore Financial Services B 201147 8.0%6.13%
8 Fifth Third Bank D 18085 26.1%6.88%
9 Honor Credit Union D 16486 30.5%7.25%
10 Union Home Mortgage B 160123 6.3%6.88%
11 Mortgage Research Center C 14770 23.8%6.38%
12 Consumers Credit Union C 144105 5.6%6.38%
13 21st Mortgage F 9222 55.4%11.38%
14 Gvc Mortgage B 9265 3.3%6.63%
15 Triad Financial Services D 807 72.5%8.49%
16 Mortgage Center L.c C 7554 12.0%6.50%
17 Sturgis Bank & Trust A 7461 0.0%6.63%
18 Freedom Mortgage B 7329 12.3%6.25%
19 Lake Michigan Credit Union A 6249 3.2%6.63%
20 Loandepot.Com D 5729 36.8%6.63%
21 Flagstar Bank C 5430 25.9%6.56%
22 Broker Solutions D 5412 7.4%6.63%
23 PNC Bank D 5227 21.2%7.09%
24 AmeriSave Mortgage D 517 74.5%7.63%
25 Southern Michigan Bank & Trust C 4832 25.0%—

Best approval odds in Calhoun County

Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.

#LenderDecidedDecision denial rate
1Sturgis Bank & Trust730.0%
2Marshall Community Credit Union2350.9%
3Kellogg Community Credit Union3421.5%
4Lake Michigan Credit Union523.9%
5Gvc Mortgage694.4%
6Consumers Credit Union1137.1%
7Union Home Mortgage1337.5%
8United Shore Financial Services1729.3%
9Mortgage Center L.c6414.1%
10Rocket Mortgage33523.6%

What Calhoun County borrowers applied for

By loan purpose

Home purchase 2,179 40% · 14.1% denied
Refinance 852 16% · 16.7% denied
Cash-out refinance 1,135 21% · 26.2% denied
Home improvement 602 11% · 26.6% denied
Other / HELOC 634 12% · 29.3% denied

By loan type

Conventional 4,068 75% · 20.0% denied
FHA 846 16% · 24.6% denied
VA 464 9% · 15.1% denied
USDA / RHS 24 0% · 4.2% denied

Why applications were denied

Credit history 377 35%
Debt-to-income ratio 247 23%
Collateral 153 14%
Incomplete application 146 14%
Other 81 8%
Unverifiable information 31 3%
Insufficient cash 23 2%
Employment history 17 2%

Calhoun County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
20234,7792,80019.8%7.00%$105,000
20244,9932,85821.6%7.00%$105,000
20255,4023,15220.2%6.88%$115,000

Frequently asked questions

20.2% of applications in Calhoun County were denied in 2025, against 18.5% statewide in Michigan.

Rocket Mortgage, with 366 applications in 2025 and a denial rate of 21.6%.

The median mortgage application in Calhoun County in 2025 was for $115,000; the median property value on originated loans was $215,000.