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Cass County, Michigan · 2025

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

215 lenders acted on 2,254 mortgage applications for properties in Cass County in 2025. 20.2% were denied (Michigan: 18.5%). Median rate on closed loans 6.99%; median loan $155,000; median property value $285,000.

2.3kApplications
20.2%Denial ratestate 18.5%
6.99%Median ratestate 6.75%
$155,000Median loan
$285,000Median property value

Largest lenders in Cass County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 Honor Credit Union D 180106 22.8%7.25%
2 Rocket Mortgage C 13494 21.6%6.69%
3 United Federal Credit Union D 11370 19.5%7.05%
4 Fifth Third Bank D 10848 36.1%7.56%
5 The Huntington National Bank D 10546 35.2%7.69%
6 Ruoff Mortgage Company A 9468 11.7%6.69%
7 1st Source Bank B 9066 13.3%7.50%
8 Everwise Credit Union C 7747 19.5%7.25%
9 United Shore Financial Services B 6439 20.3%6.44%
10 Notre Dame Federal Credit Union B 5839 25.9%7.00%
11 Union Home Mortgage B 4833 0.0%6.63%
12 Crosscountry Mortgage B 4632 10.9%6.75%
13 Cardinal Financial Company, Limited Partnership B 3732 10.8%7.13%
14 Lake City Bank B 3025 10.0%7.75%
15 AmeriSave Mortgage D 308 63.3%7.06%
16 Mortgage Research Center C 309 30.0%6.63%
17 Old National Bank B 3021 23.3%6.50%
18 Horizon Bank A 2920 17.2%6.81%
19 Carrington Mortgage Services D 297 41.4%6.63%
20 First Federal Savings Bank A 2727 0.0%7.00%
21 Freedom Mortgage B 247 4.2%6.25%
22 Sturgis Bank & Trust A 2420 12.5%6.63%
23 JPMorgan Chase Bank B 2212 18.2%7.19%
24 Consumers Credit Union C 2217 4.6%6.75%
25 Loandepot.Com D 2211 31.8%6.75%

Best approval odds in Cass County

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

#LenderDecidedDecision denial rate
1Ruoff Mortgage Company8313.3%
21st Source Bank8514.1%
3United Federal Credit Union9523.2%
4Rocket Mortgage12523.2%
5Everwise Credit Union6323.8%
6United Shore Financial Services5225.0%
7Honor Credit Union15227.0%
8Notre Dame Federal Credit Union5427.8%
9The Huntington National Bank8941.6%
10Fifth Third Bank8744.8%

What Cass County borrowers applied for

By loan purpose

Home purchase 819 36% · 11.2% denied
Refinance 332 15% · 16.3% denied
Cash-out refinance 440 20% · 24.8% denied
Home improvement 356 16% · 28.4% denied
Other / HELOC 307 14% · 32.6% denied

By loan type

Conventional 1,804 80% · 20.0% denied
FHA 323 14% · 25.1% denied
VA 112 5% · 12.5% denied
USDA / RHS 15 1% · 6.7% denied

Why applications were denied

Credit history 124 27%
Debt-to-income ratio 111 24%
Collateral 83 18%
Incomplete application 65 14%
Other 37 8%
Unverifiable information 17 4%
Employment history 10 2%
Insufficient cash 9 2%

Cass County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
20231,8591,12919.2%7.15%$125,000
20242,0221,23718.6%7.13%$135,000
20252,2541,32420.2%6.99%$155,000

Frequently asked questions

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

Honor Credit Union, with 180 applications in 2025 and a denial rate of 22.8%.

The median mortgage application in Cass County in 2025 was for $155,000; the median property value on originated loans was $285,000.