Largest lenders in Mecosta County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | The Huntington National Bank | D | 132 | 84 | 20.5% | 7.69% |
| 2 | Isabella Bank | C | 116 | 92 | 16.4% | 6.69% |
| 3 | Rocket Mortgage | C | 101 | 68 | 21.8% | 6.88% |
| 4 | Lake Michigan Credit Union | A | 75 | 53 | 6.7% | 6.62% |
| 5 | Union Home Mortgage | B | 65 | 51 | 3.1% | 6.63% |
| 6 | United Shore Financial Services | B | 65 | 43 | 15.4% | 6.50% |
| 7 | Fifth Third Bank | D | 60 | 35 | 25.0% | 7.75% |
| 8 | Independent Bank | C | 54 | 39 | 14.8% | 7.25% |
| 9 | Mercantile Bank | C | 52 | 33 | 19.2% | 6.88% |
| 10 | Horizon Bank | A | 48 | 34 | 25.0% | 6.00% |
| 11 | West Michigan Credit Union | D | 43 | 27 | 27.9% | 7.25% |
| 12 | The Dart Bank | B | 42 | 25 | 14.3% | 6.63% |
| 13 | American Pacific Mortgage | C | 39 | 25 | 15.4% | 6.88% |
| 14 | Mortgage Research Center | C | 33 | 12 | 21.2% | 6.25% |
| 15 | 21st Mortgage | F | 29 | 6 | 58.6% | 9.40% |
| 16 | Guild Mortgage | A | 24 | 21 | 0.0% | 6.63% |
| 17 | GreenStone Farm Credit Services, FLCA | A | 22 | 21 | 0.0% | 6.55% |
| 18 | Newrez | D | 18 | 5 | 5.6% | 6.50% |
| 19 | Pennymac Loan Services | C | 17 | 9 | 11.8% | 7.00% |
| 20 | Broker Solutions | D | 16 | 6 | 6.3% | 6.69% |
| 21 | Navy Federal Credit Union | D | 16 | 8 | 6.3% | 6.75% |
| 22 | Coastal Community Bank | C | 16 | 4 | 0.0% | 9.99% |
| 23 | AmeriSave Mortgage | D | 15 | 7 | 40.0% | 7.13% |
| 24 | State Savings Bank | B | 13 | 12 | 0.0% | — |
| 25 | Success Mortgage Partners | B | 13 | 12 | 0.0% | 6.75% |
Best approval odds in Mecosta County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Union Home Mortgage | 54 | 3.7% |
| 2 | Lake Michigan Credit Union | 59 | 8.5% |
| 3 | Isabella Bank | 111 | 17.1% |
| 4 | United Shore Financial Services | 55 | 18.2% |
| 5 | The Huntington National Bank | 113 | 23.9% |
| 6 | Rocket Mortgage | 91 | 24.2% |
| 7 | Fifth Third Bank | 54 | 27.8% |
What Mecosta County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Mecosta County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 1,317 | 782 | 20.2% | 7.00% | $125,000 |
| 2024 | 1,436 | 859 | 20.3% | 6.99% | $135,000 |
| 2025 | 1,651 | 1,004 | 17.4% | 6.88% | $155,000 |
Frequently asked questions
17.4% of applications in Mecosta County were denied in 2025, against 18.5% statewide in Michigan.
The Huntington National Bank, with 132 applications in 2025 and a denial rate of 20.5%.
The median mortgage application in Mecosta County in 2025 was for $155,000; the median property value on originated loans was $265,000.