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Livingston County, Michigan · 2025

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

316 lenders acted on 8,636 mortgage applications for properties in Livingston County in 2025. 15.7% were denied (Michigan: 18.5%). Median rate on closed loans 6.75%; median loan $205,000; median property value $425,000.

8.6kApplications
15.7%Denial ratestate 18.5%
6.75%Median ratestate 6.75%
$205,000Median loan
$425,000Median property value

Largest lenders in Livingston County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 Rocket Mortgage C 758599 11.1%6.75%
2 United Shore Financial Services B 620500 8.9%6.50%
3 The Huntington National Bank D 494289 25.9%7.59%
4 LOC Credit Union C 311218 20.6%4.99%
5 Lake Michigan Credit Union A 289235 3.5%6.50%
6 Triad Financial Services D 22151 48.9%8.83%
7 Fifth Third Bank D 199118 24.1%7.75%
8 Dfcu Financial B 199151 7.0%6.25%
9 Lake Trust Credit Union D 197117 39.6%7.48%
10 Mortgage Center L.c C 192150 3.7%6.25%
11 PNC Bank D 166117 12.7%7.75%
12 Citizens Bank C 157107 21.0%7.40%
13 Union Home Mortgage B 156115 1.9%6.88%
14 The Dart Bank B 148122 1.4%6.75%
15 Bank of America F 14471 24.3%5.99%
16 21st Mortgage F 13634 41.2%10.68%
17 Staunton Financial B 125103 6.4%6.63%
18 JPMorgan Chase Bank B 11983 6.7%6.49%
19 MICHIGAN STATE UNIVERSITY Federal Credit Union C 11480 14.0%7.50%
20 GREENSTATE Credit Union B 10545 34.3%8.09%
21 Flagstar Bank C 10055 21.0%6.50%
22 Crosscountry Mortgage B 9962 1.0%6.79%
23 Genisys Credit Union D 9467 8.5%7.25%
24 Newrez D 9139 17.6%6.63%
25 Mortgage Research Center C 9039 18.9%6.25%

Best approval odds in Livingston County

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

#LenderDecidedDecision denial rate
1Crosscountry Mortgage671.5%
2The Dart Bank1251.6%
3Coastal Community Bank611.6%
4Gold Star Mortgage Financial Group601.7%
5Union Home Mortgage1292.3%
6Mortgage 1643.1%
7Lake Michigan Credit Union2504.0%
8Mortgage Center L.c1584.4%
9Staunton Financial1117.2%
10The Loan Store557.3%

What Livingston County borrowers applied for

By loan purpose

Home purchase 3,340 39% · 11.0% denied
Refinance 1,383 16% · 13.3% denied
Cash-out refinance 1,440 17% · 18.5% denied
Home improvement 1,178 14% · 21.4% denied
Other / HELOC 1,295 15% · 22.2% denied

By loan type

Conventional 7,508 87% · 15.8% denied
FHA 620 7% · 19.7% denied
VA 475 6% · 10.5% denied
USDA / RHS 33 0% · 6.1% denied

Why applications were denied

Debt-to-income ratio 469 35%
Credit history 322 24%
Incomplete application 196 15%
Collateral 169 13%
Other 122 9%
Unverifiable information 31 2%
Insufficient cash 22 2%
Employment history 17 1%

Livingston County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
20237,0894,47817.3%7.02%$165,000
20247,9594,91617.5%7.00%$175,000
20258,6365,58015.7%6.75%$205,000

Frequently asked questions

15.7% of applications in Livingston County were denied in 2025, against 18.5% statewide in Michigan.

Rocket Mortgage, with 758 applications in 2025 and a denial rate of 11.1%.

The median mortgage application in Livingston County in 2025 was for $205,000; the median property value on originated loans was $425,000.