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Clinton County, Michigan · 2025

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

219 lenders acted on 2,923 mortgage applications for properties in Clinton County in 2025. 15.5% were denied (Michigan: 18.5%). Median rate on closed loans 6.88%; median loan $175,000; median property value $335,000.

2.9kApplications
15.5%Denial ratestate 18.5%
6.88%Median ratestate 6.75%
$175,000Median loan
$335,000Median property value

Largest lenders in Clinton County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 MICHIGAN STATE UNIVERSITY Federal Credit Union C 336237 16.1%7.50%
2 The Dart Bank B 286217 7.7%6.75%
3 Rocket Mortgage C 219166 15.1%6.63%
4 Fifth Third Bank D 174104 22.4%7.87%
5 Union Home Mortgage B 146120 2.1%6.88%
6 The Huntington National Bank D 14398 16.8%7.44%
7 United Shore Financial Services B 11180 12.6%6.13%
8 21st Mortgage F 7724 41.6%11.49%
9 Flagstar Bank C 6436 32.8%6.38%
10 Mortgage Research Center C 4318 11.6%6.25%
11 LAFCU Credit Union C 4327 11.6%5.63%
12 Mortgage Center L.c C 4233 4.8%6.38%
13 PNC Bank D 3828 15.8%7.61%
14 Lake Michigan Credit Union A 3829 2.6%6.63%
15 Newrez D 3815 10.5%6.50%
16 Triad Financial Services D 377 62.2%8.49%
17 Lake Trust Credit Union D 3419 44.1%7.50%
18 GreenStone Farm Credit Services, FLCA A 3329 0.0%6.65%
19 Northpointe Bank C 3119 6.5%6.63%
20 Pennymac Loan Services C 3019 3.3%6.25%
21 Nationstar Mortgage C 3018 23.3%7.19%
22 Mortgage 1 A 3023 0.0%6.50%
23 Mercantile Bank C 2719 14.8%6.80%
24 Freedom Mortgage B 2613 0.0%6.13%
25 Pfcu C 2523 0.0%6.50%

Best approval odds in Clinton County

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

#LenderDecidedDecision denial rate
1Union Home Mortgage1262.4%
2The Dart Bank2429.1%
3United Shore Financial Services9714.4%
4Rocket Mortgage20616.0%
5MICHIGAN STATE UNIVERSITY Federal Credit Union31916.9%
6The Huntington National Bank12718.9%
7Fifth Third Bank14626.7%
8Flagstar Bank5836.2%
921st Mortgage5657.1%

What Clinton County borrowers applied for

By loan purpose

Home purchase 1,255 43% · 11.7% denied
Refinance 414 14% · 11.4% denied
Cash-out refinance 538 18% · 18.0% denied
Home improvement 343 12% · 18.7% denied
Other / HELOC 373 13% · 26.0% denied

By loan type

Conventional 2,414 83% · 15.9% denied
FHA 285 10% · 16.1% denied
VA 209 7% · 11.0% denied
USDA / RHS 15 1% · 0.0% denied

Why applications were denied

Debt-to-income ratio 154 34%
Credit history 115 26%
Incomplete application 68 15%
Collateral 65 14%
Other 26 6%
Unverifiable information 9 2%
Insufficient cash 8 2%
Employment history 4 1%

Clinton County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
20232,4011,49718.2%7.13%$135,000
20242,6261,68117.1%7.00%$145,000
20252,9231,89815.5%6.88%$175,000

Frequently asked questions

15.5% of applications in Clinton County were denied in 2025, against 18.5% statewide in Michigan.

MICHIGAN STATE UNIVERSITY Federal Credit Union, with 336 applications in 2025 and a denial rate of 16.1%.

The median mortgage application in Clinton County in 2025 was for $175,000; the median property value on originated loans was $335,000.