Largest lenders in Ogemaw County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Mercantile Bank | C | 99 | 54 | 27.3% | 7.06% |
| 2 | Rocket Mortgage | C | 99 | 78 | 15.2% | 6.75% |
| 3 | The Huntington National Bank | D | 79 | 41 | 26.6% | 7.34% |
| 4 | United Shore Financial Services | B | 33 | 23 | 15.2% | 6.50% |
| 5 | PNC Bank | D | 22 | 10 | 27.3% | 7.54% |
| 6 | Mortgage Research Center | C | 18 | 11 | 16.7% | 6.50% |
| 7 | AmeriSave Mortgage | D | 17 | 7 | 52.9% | 6.75% |
| 8 | Lake Michigan Credit Union | A | 12 | 10 | 0.0% | 6.68% |
| 9 | Staunton Financial | B | 12 | 7 | 33.3% | 6.63% |
| 10 | Loandepot.Com | D | 12 | 6 | 50.0% | 6.93% |
| 11 | Newrez | D | 11 | 5 | 18.2% | 6.99% |
| 12 | Citizens Bank | C | 10 | 6 | 20.0% | 7.25% |
| 13 | New Day Financial | F | 10 | 3 | 30.0% | 6.49% |
| 14 | Mortgage 1 | A | 10 | 2 | 10.0% | 6.38% |
| 15 | Fifth Third Bank | D | 9 | 4 | 22.2% | 7.48% |
| 16 | Broker Solutions | D | 9 | 3 | 11.1% | 7.25% |
| 17 | Navy Federal Credit Union | D | 9 | 4 | 22.2% | 5.75% |
| 18 | Frankenmuth Credit Union | B | 8 | 8 | 0.0% | 7.19% |
| 19 | JPMorgan Chase Bank | B | 7 | 4 | 28.6% | 6.19% |
| 20 | Blg Holdings | B | 7 | 7 | 0.0% | 6.63% |
| 21 | MICHIGAN STATE UNIVERSITY Federal Credit Union | C | 7 | 5 | 28.6% | 7.50% |
| 22 | Pennymac Loan Services | C | 6 | 3 | 0.0% | 6.99% |
| 23 | Mortgage Center L.c | C | 6 | 5 | 0.0% | 6.38% |
| 24 | Michigan Schools and Government | C | 6 | 2 | 33.3% | 7.81% |
| 25 | Genisys Credit Union | D | 6 | 3 | 33.3% | 7.25% |
Best approval odds in Ogemaw County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Rocket Mortgage | 93 | 16.1% |
| 2 | The Huntington National Bank | 65 | 32.3% |
| 3 | Mercantile Bank | 83 | 32.5% |
What Ogemaw County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Ogemaw County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 623 | 357 | 21.5% | 7.25% | $95,000 |
| 2024 | 773 | 446 | 20.3% | 7.00% | $105,000 |
| 2025 | 754 | 438 | 20.8% | 6.88% | $115,000 |
Frequently asked questions
20.8% of applications in Ogemaw County were denied in 2025, against 18.5% statewide in Michigan.
Mercantile Bank, with 99 applications in 2025 and a denial rate of 27.3%.
The median mortgage application in Ogemaw County in 2025 was for $115,000; the median property value on originated loans was $205,000.