Crawford County, Michigan · 2025

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

114 lenders acted on 616 mortgage applications for properties in Crawford County in 2025. 18.7% were denied (Michigan: 18.5%). Median rate on closed loans 6.99%; median loan $135,000; median property value $235,000.

616Applications
18.7%Denial ratestate 18.5%
6.99%Median ratestate 6.75%
$135,000Median loan
$235,000Median property value

Largest lenders in Crawford County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 The Huntington National Bank D 9150 28.6%7.59%
2 Rocket Mortgage C 6342 23.8%6.93%
3 Union Home Mortgage B 5038 10.0%6.99%
4 United Shore Financial Services B 3325 12.1%6.63%
5 Unnamed lender 254900DIWCHEQWZ9GV45 A 2625 3.9%7.93%
6 Community Financial Credit Union B 2113 23.8%7.75%
7 Fifth Third Bank D 1912 31.6%7.00%
8 Mortgage Research Center C 1911 5.3%6.63%
9 Mercantile Bank C 138 23.1%6.94%
10 Horizon Bank A 107 20.0%6.00%
11 State Savings Bank B 96 22.2%
12 AmeriSave Mortgage D 92 66.7%5.94%
13 MICHIGAN STATE UNIVERSITY Federal Credit Union C 97 11.1%7.25%
14 Lake Michigan Credit Union A 87 0.0%6.63%
15 Freedom Mortgage B 86 0.0%6.62%
16 Navy Federal Credit Union D 86 0.0%7.00%
17 Pennymac Loan Services C 74 14.3%6.31%
18 New Day Financial F 72 14.3%6.62%
19 Carrington Mortgage Services D 74 42.9%6.88%
20 Broker Solutions D 71 0.0%7.25%
21 Coastal Community Bank C 71 0.0%7.99%
22 4Front Credit Union B 75 28.6%7.50%
23 JPMorgan Chase Bank B 63 50.0%6.99%
24 Michigan Schools and Government C 65 16.7%6.75%
25 Genisys Credit Union D 63 33.3%6.88%

Best approval odds in Crawford County

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

#LenderDecidedDecision denial rate
1Rocket Mortgage5726.3%
2The Huntington National Bank8032.5%

What Crawford County borrowers applied for

By loan purpose

Home purchase 236 38% · 11.4% denied
Refinance 80 13% · 17.5% denied
Cash-out refinance 135 22% · 23.7% denied
Home improvement 73 12% · 27.4% denied
Other / HELOC 92 15% · 23.9% denied

By loan type

Conventional 458 74% · 20.1% denied
FHA 87 14% · 18.4% denied
VA 66 11% · 9.1% denied
USDA / RHS 5 1% · 20.0% denied

Why applications were denied

Collateral 33 29%
Credit history 26 23%
Debt-to-income ratio 25 22%
Incomplete application 13 12%
Other 6 5%
Unverifiable information 4 4%
Employment history 3 3%
Insufficient cash 2 2%

Crawford County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
202348527319.6%7.13%$105,000
202456532318.1%6.99%$135,000
202561639418.7%6.99%$135,000

Frequently asked questions

18.7% of applications in Crawford County were denied in 2025, against 18.5% statewide in Michigan.

The Huntington National Bank, with 91 applications in 2025 and a denial rate of 28.6%.

The median mortgage application in Crawford County in 2025 was for $135,000; the median property value on originated loans was $235,000.