Largest lenders in Kalkaska County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Rocket Mortgage | C | 84 | 60 | 22.6% | 6.63% |
| 2 | The Huntington National Bank | D | 83 | 47 | 32.5% | 7.34% |
| 3 | United Shore Financial Services | B | 76 | 59 | 11.8% | 6.50% |
| 4 | 4Front Credit Union | B | 71 | 36 | 11.3% | 7.50% |
| 5 | Lake Michigan Credit Union | A | 34 | 24 | 5.9% | 6.93% |
| 6 | Fifth Third Bank | D | 28 | 11 | 25.0% | 6.99% |
| 7 | Credit Union One | D | 23 | 18 | 8.7% | 7.00% |
| 8 | Newrez | D | 21 | 5 | 33.3% | 5.99% |
| 9 | Mortgage Research Center | C | 18 | 8 | 5.6% | 6.38% |
| 10 | Loandepot.Com | D | 17 | 8 | 47.1% | 6.99% |
| 11 | GreenStone Farm Credit Services, FLCA | A | 15 | 13 | 0.0% | 6.70% |
| 12 | Independent Bank | C | 13 | 5 | 23.1% | 7.50% |
| 13 | AmeriSave Mortgage | D | 11 | 0 | 81.8% | — |
| 14 | Calcon Mutual Mortgage | D | 10 | 6 | 10.0% | 6.25% |
| 15 | Nationstar Mortgage | C | 10 | 6 | 30.0% | 6.56% |
| 16 | Broker Solutions | D | 10 | 3 | 10.0% | 5.99% |
| 17 | MICHIGAN STATE UNIVERSITY Federal Credit Union | C | 10 | 7 | 20.0% | 7.50% |
| 18 | Pennymac Loan Services | C | 9 | 4 | 0.0% | 6.94% |
| 19 | JPMorgan Chase Bank | B | 8 | 7 | 12.5% | 6.99% |
| 20 | Mercantile Bank | C | 7 | 4 | 28.6% | 6.88% |
| 21 | Union Home Mortgage | B | 7 | 6 | 0.0% | 6.75% |
| 22 | Freedom Mortgage | B | 7 | 0 | 28.6% | — |
| 23 | Citizens Bank | C | 6 | 1 | 66.7% | 8.40% |
| 24 | State Savings Bank | B | 6 | 6 | 0.0% | — |
| 25 | Guaranteed Rate | B | 6 | 3 | 0.0% | 6.75% |
Best approval odds in Kalkaska County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | United Shore Financial Services | 68 | 13.2% |
| 2 | Rocket Mortgage | 79 | 24.1% |
| 3 | The Huntington National Bank | 77 | 35.1% |
What Kalkaska County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Kalkaska County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 548 | 287 | 23.5% | 7.25% | $145,000 |
| 2024 | 716 | 434 | 18.4% | 7.00% | $155,000 |
| 2025 | 821 | 476 | 20.1% | 6.88% | $175,000 |
Frequently asked questions
20.1% of applications in Kalkaska County were denied in 2025, against 18.5% statewide in Michigan.
Rocket Mortgage, with 84 applications in 2025 and a denial rate of 22.6%.
The median mortgage application in Kalkaska County in 2025 was for $175,000; the median property value on originated loans was $285,000.