Largest lenders in Delta County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Rocket Mortgage | C | 71 | 46 | 28.2% | 6.63% |
| 2 | Mortgage Research Center | C | 36 | 24 | 11.1% | 6.25% |
| 3 | Loandepot.Com | D | 26 | 17 | 23.1% | 6.63% |
| 4 | Nicolet National Bank | A | 24 | 20 | 8.3% | 7.13% |
| 5 | Flagstar Bank | C | 18 | 9 | 16.7% | 6.63% |
| 6 | United Shore Financial Services | B | 17 | 9 | 17.7% | 6.63% |
| 7 | Navy Federal Credit Union | D | 14 | 4 | 35.7% | 8.25% |
| 8 | Freedom Mortgage | B | 13 | 5 | 15.4% | 6.25% |
| 9 | New Day Financial | F | 12 | 5 | 25.0% | 6.74% |
| 10 | Mutual of Omaha Mortgage | C | 8 | 7 | 12.5% | 6.25% |
| 11 | Coastal Community Bank | C | 8 | 1 | 0.0% | 7.74% |
| 12 | Figure Lending | C | 8 | 1 | 62.5% | 8.75% |
| 13 | Guaranteed Rate | B | 7 | 4 | 0.0% | 6.36% |
| 14 | The Huntington National Bank | D | 7 | 6 | 14.3% | 6.71% |
| 15 | Pennymac Loan Services | C | 6 | 2 | 33.3% | 6.38% |
| 16 | Citizens Bank | C | 6 | 3 | 33.3% | 7.90% |
| 17 | Bank of America | F | 6 | 0 | 66.7% | — |
| 18 | JPMorgan Chase Bank | B | 6 | 4 | 0.0% | 6.69% |
| 19 | AmeriSave Mortgage | D | 5 | 2 | 40.0% | 6.56% |
| 20 | IncredibleBank | C | 5 | 3 | 0.0% | 6.25% |
| 21 | FOX COMMUNITIES Credit Union | A | 5 | 4 | 0.0% | 6.86% |
| 22 | GreenStone Farm Credit Services, FLCA | A | 5 | 5 | 0.0% | 6.90% |
| 23 | Honor Credit Union | D | 5 | 3 | 0.0% | 5.75% |
Best approval odds in Delta County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Rocket Mortgage | 68 | 29.4% |
What Delta County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Delta County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 337 | 173 | 21.1% | 6.88% | $115,000 |
| 2024 | 385 | 199 | 18.7% | 6.75% | $135,000 |
| 2025 | 451 | 259 | 18.6% | 6.63% | $155,000 |
Frequently asked questions
18.6% of applications in Delta County were denied in 2025, against 18.5% statewide in Michigan.
Rocket Mortgage, with 71 applications in 2025 and a denial rate of 28.2%.
The median mortgage application in Delta County in 2025 was for $155,000; the median property value on originated loans was $225,000.