Largest lenders in Mason County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Unnamed lender 254900UYC52VIJUZ5X82 | B | 119 | 98 | 3.4% | — |
| 2 | Fifth Third Bank | D | 64 | 35 | 20.3% | 7.24% |
| 3 | Rocket Mortgage | C | 64 | 46 | 18.8% | 6.75% |
| 4 | Mortgage 1 | A | 54 | 48 | 0.0% | 6.63% |
| 5 | The Huntington National Bank | D | 47 | 28 | 27.7% | 7.67% |
| 6 | Preferred Credit Union | C | 46 | 30 | 8.7% | 6.31% |
| 7 | Lake Michigan Credit Union | A | 44 | 31 | 11.4% | 6.63% |
| 8 | United Shore Financial Services | B | 32 | 23 | 6.3% | 6.50% |
| 9 | PNC Bank | D | 26 | 13 | 26.9% | 7.36% |
| 10 | 21st Mortgage | F | 17 | 0 | 70.6% | — |
| 11 | Mortgage Research Center | C | 16 | 12 | 0.0% | 6.56% |
| 12 | Navy Federal Credit Union | D | 15 | 7 | 26.7% | 6.38% |
| 13 | The Shelby State Bank | – | 14 | 10 | 14.3% | — |
| 14 | Crosscountry Mortgage | B | 13 | 8 | 7.7% | 7.00% |
| 15 | Newrez | D | 11 | 3 | 9.1% | 6.63% |
| 16 | Loandepot.Com | D | 11 | 3 | 27.3% | 9.13% |
| 17 | Spring Eq | D | 10 | 1 | 60.0% | 12.15% |
| 18 | Pennymac Loan Services | C | 9 | 3 | 0.0% | 5.75% |
| 19 | Calcon Mutual Mortgage | D | 9 | 6 | 22.2% | 6.63% |
| 20 | Freedom Mortgage | B | 9 | 5 | 11.1% | 6.00% |
| 21 | Coastal Community Bank | C | 9 | 3 | 0.0% | 8.74% |
| 22 | Figure Lending | C | 9 | 2 | 44.4% | 10.05% |
| 23 | Neighborhood Loans | C | 9 | 1 | 44.4% | 8.25% |
| 24 | The Loan Store | B | 9 | 1 | 44.4% | 7.50% |
| 25 | Union Home Mortgage | B | 8 | 7 | 0.0% | 6.50% |
Best approval odds in Mason County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Mortgage 1 | 51 | 0.0% |
| 2 | Unnamed lender 254900UYC52VIJUZ5X82 | 105 | 3.8% |
| 3 | Rocket Mortgage | 58 | 20.7% |
What Mason County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Mason County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 626 | 330 | 20.1% | 7.00% | $125,000 |
| 2024 | 780 | 491 | 16.4% | 6.99% | $155,000 |
| 2025 | 954 | 569 | 17.0% | 6.75% | $155,000 |
Frequently asked questions
17.0% of applications in Mason County were denied in 2025, against 18.5% statewide in Michigan.
Unnamed lender 254900UYC52VIJUZ5X82, with 119 applications in 2025 and a denial rate of 3.4%.
The median mortgage application in Mason County in 2025 was for $155,000; the median property value on originated loans was $295,000.