Find a better mortgage lender

Genesee County, Michigan · 2025

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

332 lenders acted on 14,751 mortgage applications for properties in Genesee County in 2025. 17.8% were denied (Michigan: 18.5%). Median rate on closed loans 6.75%; median loan $125,000; median property value $245,000.

15kApplications
17.8%Denial ratestate 18.5%
6.75%Median ratestate 6.75%
$125,000Median loan
$245,000Median property value

Largest lenders in Genesee County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 Rocket Mortgage C 1,141846 16.8%6.88%
2 United Shore Financial Services B 1,034748 12.0%6.51%
3 The Huntington National Bank D 985449 35.8%7.59%
4 Dort Financial Credit Union C 856498 15.1%6.63%
5 Preston Home Loans C 706517 2.0%6.63%
6 Elga Credit Union D 515354 18.3%8.73%
7 Genisys Credit Union D 385263 13.5%7.24%
8 Financial Plus Credit Union D 338184 18.9%7.24%
9 J. Virgil B 326263 0.3%6.63%
10 Fifth Third Bank D 290148 32.4%8.00%
11 Triad Financial Services D 29060 50.7%8.49%
12 Lake Michigan Credit Union A 247192 4.5%6.50%
13 21st Mortgage F 21451 52.8%11.06%
14 Newrez D 20665 18.0%6.63%
15 Mortgage Research Center C 20196 22.4%6.38%
16 DAS Acquisition Company B 192152 1.6%6.63%
17 Freedom Mortgage B 19280 7.3%6.25%
18 Blg Holdings B 187158 1.6%6.63%
19 JPMorgan Chase Bank B 184113 13.6%6.63%
20 Broker Solutions D 17977 8.9%6.75%
21 Coastal Community Bank C 15932 1.9%11.74%
22 First State Bank A 158135 2.5%6.63%
23 Pennymac Loan Services C 15185 9.9%6.38%
24 AmeriSave Mortgage D 14336 62.2%7.13%
25 Credit Union One D 13364 33.8%8.24%

Best approval odds in Genesee County

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

#LenderDecidedDecision denial rate
1Towne Mortgage700.0%
2Frankenmuth Credit Union850.0%
3J. Virgil2640.4%
4Ross Mortgage731.4%
5Blg Holdings1611.9%
6DAS Acquisition Company1611.9%
7Preston Home Loans5312.6%
8Mortgage 11082.8%
9First State Bank1392.9%
10Coastal Community Bank1032.9%

What Genesee County borrowers applied for

By loan purpose

Home purchase 6,248 42% · 11.7% denied
Refinance 2,066 14% · 15.7% denied
Cash-out refinance 2,621 18% · 20.1% denied
Home improvement 1,593 11% · 26.4% denied
Other / HELOC 2,223 15% · 27.7% denied

By loan type

Conventional 10,994 75% · 18.7% denied
FHA 2,675 18% · 16.2% denied
VA 975 7% · 12.6% denied
USDA / RHS 107 1% · 8.4% denied

Why applications were denied

Credit history 836 32%
Debt-to-income ratio 759 29%
Collateral 379 15%
Incomplete application 261 10%
Other 161 6%
Insufficient cash 94 4%
Unverifiable information 52 2%
Employment history 36 1%

Genesee County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
202312,6447,25920.1%7.00%$105,000
202413,4327,83719.9%6.99%$115,000
202514,7518,75117.8%6.75%$125,000

Frequently asked questions

17.8% of applications in Genesee County were denied in 2025, against 18.5% statewide in Michigan.

Rocket Mortgage, with 1,141 applications in 2025 and a denial rate of 16.8%.

The median mortgage application in Genesee County in 2025 was for $125,000; the median property value on originated loans was $245,000.