Largest lenders in Dickinson County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Flagstar Bank | C | 61 | 36 | 9.8% | 6.63% |
| 2 | Rocket Mortgage | C | 57 | 46 | 10.5% | 6.75% |
| 3 | IncredibleBank | C | 49 | 32 | 14.3% | 6.50% |
| 4 | Mortgage Research Center | C | 27 | 13 | 25.9% | 6.50% |
| 5 | The Huntington National Bank | D | 25 | 16 | 16.0% | 7.72% |
| 6 | Covantage Credit Union | B | 20 | 16 | 10.0% | 6.50% |
| 7 | Range Bank | A | 18 | 17 | 0.0% | — |
| 8 | United Shore Financial Services | B | 16 | 11 | 12.5% | 6.37% |
| 9 | Cardinal Financial Company, Limited Partnership | B | 14 | 10 | 28.6% | 7.13% |
| 10 | AmeriSave Mortgage | D | 13 | 2 | 69.2% | 6.25% |
| 11 | Nationstar Mortgage | C | 13 | 9 | 7.7% | 7.88% |
| 12 | New Day Financial | F | 12 | 2 | 33.3% | 6.99% |
| 13 | Loandepot.Com | D | 11 | 6 | 36.4% | 7.06% |
| 14 | Zippy Loans | D | 10 | 5 | 20.0% | 8.00% |
| 15 | Freedom Mortgage | B | 10 | 5 | 10.0% | 6.25% |
| 16 | Coastal Community Bank | C | 10 | 4 | 0.0% | 12.99% |
| 17 | Nicolet National Bank | A | 10 | 7 | 0.0% | 6.88% |
| 18 | Pennymac Loan Services | C | 9 | 3 | 0.0% | 6.13% |
| 19 | Figure Lending | C | 9 | 1 | 77.8% | 8.90% |
| 20 | Broker Solutions | D | 8 | 3 | 0.0% | 6.75% |
| 21 | Paramount Residential Mortgage Group | B | 7 | 4 | 28.6% | 6.50% |
| 22 | Honor Credit Union | D | 7 | 5 | 0.0% | 6.88% |
| 23 | USAA Federal Savings Bank | C | 6 | 4 | 16.7% | 6.56% |
| 24 | Mutual of Omaha Mortgage | C | 6 | 2 | 33.3% | 6.31% |
| 25 | Navy Federal Credit Union | D | 6 | 4 | 0.0% | 6.79% |
Best approval odds in Dickinson County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Rocket Mortgage | 52 | 11.5% |
What Dickinson County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Dickinson County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 402 | 234 | 19.2% | 6.99% | $115,000 |
| 2024 | 480 | 286 | 20.2% | 6.99% | $125,000 |
| 2025 | 552 | 336 | 15.8% | 6.63% | $125,000 |
Frequently asked questions
15.8% of applications in Dickinson County were denied in 2025, against 18.5% statewide in Michigan.
Flagstar Bank, with 61 applications in 2025 and a denial rate of 9.8%.
The median mortgage application in Dickinson County in 2025 was for $125,000; the median property value on originated loans was $185,000.