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Ingham County, Michigan · 2025

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

329 lenders acted on 9,233 mortgage applications for properties in Ingham County in 2025. 18.1% were denied (Michigan: 18.5%). Median rate on closed loans 6.75%; median loan $135,000; median property value $235,000.

9.2kApplications
18.1%Denial ratestate 18.5%
6.75%Median ratestate 6.75%
$135,000Median loan
$235,000Median property value

Largest lenders in Ingham County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 MICHIGAN STATE UNIVERSITY Federal Credit Union C 1,157742 19.1%7.50%
2 The Dart Bank B 757545 7.0%6.63%
3 Rocket Mortgage C 639454 16.0%6.75%
4 United Shore Financial Services B 466332 14.8%6.48%
5 Union Home Mortgage B 442359 2.9%6.88%
6 Flagstar Bank C 397200 36.0%6.63%
7 Fifth Third Bank D 289171 26.6%7.50%
8 The Huntington National Bank D 279160 29.4%7.34%
9 21st Mortgage F 19040 52.1%11.64%
10 PNC Bank D 13382 18.8%7.36%
11 Mortgage Research Center C 12360 22.0%6.25%
12 Lake Trust Credit Union D 11770 39.3%7.29%
13 CASE Credit Union C 11683 12.1%7.00%
14 Dfcu Financial B 11060 18.2%5.75%
15 Independent Bank C 10871 21.3%7.13%
16 Crosscountry Mortgage B 9963 1.0%6.63%
17 LAFCU Credit Union C 9965 5.1%6.00%
18 Newrez D 9836 17.4%6.75%
19 Lake Michigan Credit Union A 9570 2.1%6.50%
20 Mortgage Center L.c C 9264 1.1%6.38%
21 Triad Financial Services D 909 62.2%9.24%
22 JPMorgan Chase Bank B 8856 12.5%6.50%
23 Northpointe Bank C 8749 3.5%6.75%
24 Broker Solutions D 8227 8.5%7.06%
25 Everett Financial C 7749 3.9%6.63%

Best approval odds in Ingham County

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

#LenderDecidedDecision denial rate
1Mortgage Center L.c661.5%
2Crosscountry Mortgage651.5%
3Lake Michigan Credit Union732.7%
4Union Home Mortgage3803.4%
5Coastal Community Bank585.2%
6Everett Financial525.8%
7Northpointe Bank525.8%
8LAFCU Credit Union746.8%
9The Dart Bank6058.8%
10CASE Credit Union9714.4%

What Ingham County borrowers applied for

By loan purpose

Home purchase 4,307 47% · 12.4% denied
Refinance 1,137 12% · 16.2% denied
Cash-out refinance 1,471 16% · 21.9% denied
Home improvement 1,019 11% · 24.0% denied
Other / HELOC 1,299 14% · 29.9% denied

By loan type

Conventional 7,523 81% · 17.9% denied
FHA 1,185 13% · 21.0% denied
VA 506 5% · 13.8% denied
USDA / RHS 19 0% · 10.5% denied

Why applications were denied

Debt-to-income ratio 528 32%
Credit history 484 29%
Incomplete application 267 16%
Collateral 180 11%
Other 113 7%
Unverifiable information 39 2%
Insufficient cash 33 2%
Employment history 16 1%

Ingham County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
20237,6954,58718.9%7.00%$115,000
20248,0094,85419.8%6.99%$125,000
20259,2335,49618.1%6.75%$135,000

Frequently asked questions

18.1% of applications in Ingham County were denied in 2025, against 18.5% statewide in Michigan.

MICHIGAN STATE UNIVERSITY Federal Credit Union, with 1,157 applications in 2025 and a denial rate of 19.1%.

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