Largest lenders in Oceana County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | The Huntington National Bank | D | 105 | 52 | 32.4% | 7.44% |
| 2 | Lake Michigan Credit Union | A | 98 | 74 | 8.2% | 6.62% |
| 3 | Fifth Third Bank | D | 62 | 33 | 19.4% | 7.25% |
| 4 | Rocket Mortgage | C | 53 | 39 | 22.6% | 6.50% |
| 5 | Mortgage 1 | A | 50 | 42 | 2.0% | 6.63% |
| 6 | The Shelby State Bank | – | 41 | 24 | 22.0% | — |
| 7 | United Shore Financial Services | B | 40 | 28 | 22.5% | 6.26% |
| 8 | Gerber Federal Credit Union | D | 22 | 18 | 9.1% | — |
| 9 | Unnamed lender 254900UYC52VIJUZ5X82 | B | 22 | 14 | 18.2% | — |
| 10 | GreenStone Farm Credit Services, FLCA | A | 20 | 18 | 0.0% | 6.53% |
| 11 | 21st Mortgage | F | 18 | 4 | 38.9% | 10.74% |
| 12 | Mortgage Research Center | C | 16 | 11 | 6.3% | 6.31% |
| 13 | ChoiceOne Bank | D | 11 | 7 | 9.1% | 6.56% |
| 14 | Family Financial Credit Union | – | 11 | 6 | 36.4% | 7.50% |
| 15 | Figure Lending | C | 11 | 3 | 27.3% | 9.05% |
| 16 | PNC Bank | D | 10 | 3 | 30.0% | 7.24% |
| 17 | Consumers Credit Union | C | 10 | 7 | 20.0% | 6.88% |
| 18 | Newrez | D | 10 | 3 | 0.0% | 7.50% |
| 19 | AmeriSave Mortgage | D | 9 | 4 | 55.6% | 7.06% |
| 20 | Crosscountry Mortgage | B | 9 | 3 | 0.0% | 6.99% |
| 21 | Carrington Mortgage Services | D | 9 | 3 | 44.4% | 6.13% |
| 22 | Mms Mortgage Services | B | 8 | 7 | 12.5% | 6.75% |
| 23 | Coastal Community Bank | C | 8 | 0 | 0.0% | — |
| 24 | Independent Bank | C | 8 | 7 | 0.0% | 7.25% |
| 25 | Mercantile Bank | C | 7 | 5 | 14.3% | 7.00% |
Best approval odds in Oceana County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Lake Michigan Credit Union | 82 | 9.8% |
| 2 | Rocket Mortgage | 51 | 23.5% |
| 3 | The Huntington National Bank | 89 | 38.2% |
What Oceana County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Oceana County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 786 | 471 | 17.8% | 7.00% | $145,000 |
| 2024 | 898 | 525 | 21.2% | 6.99% | $155,000 |
| 2025 | 968 | 576 | 16.8% | 6.87% | $155,000 |
Frequently asked questions
16.8% of applications in Oceana County were denied in 2025, against 18.5% statewide in Michigan.
The Huntington National Bank, with 105 applications in 2025 and a denial rate of 32.4%.
The median mortgage application in Oceana County in 2025 was for $155,000; the median property value on originated loans was $305,000.