Largest lenders in Osceola County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | The Huntington National Bank | D | 130 | 75 | 30.0% | 7.84% |
| 2 | Rocket Mortgage | C | 70 | 41 | 24.3% | 6.99% |
| 3 | Union Home Mortgage | B | 58 | 41 | 17.2% | 6.63% |
| 4 | United Shore Financial Services | B | 53 | 43 | 5.7% | 6.13% |
| 5 | Horizon Bank | A | 32 | 26 | 15.6% | 6.25% |
| 6 | Fifth Third Bank | D | 27 | 12 | 37.0% | 9.25% |
| 7 | Mortgage Research Center | C | 27 | 11 | 11.1% | 6.63% |
| 8 | GreenStone Farm Credit Services, FLCA | A | 20 | 17 | 5.0% | 7.00% |
| 9 | MEMBERS FIRST Credit Union | D | 19 | 8 | 42.1% | 6.44% |
| 10 | Lake Michigan Credit Union | A | 17 | 13 | 17.7% | 6.63% |
| 11 | West Michigan Credit Union | D | 17 | 6 | 47.1% | 6.75% |
| 12 | Independent Bank | C | 17 | 9 | 11.8% | 7.50% |
| 13 | Figure Lending | C | 15 | 4 | 40.0% | 7.78% |
| 14 | Carrington Mortgage Services | D | 13 | 4 | 53.9% | 7.88% |
| 15 | J. Virgil | B | 13 | 11 | 7.7% | 6.63% |
| 16 | Mortgage 1 | A | 13 | 11 | 0.0% | 6.63% |
| 17 | Mercantile Bank | C | 11 | 6 | 18.2% | 6.50% |
| 18 | Broker Solutions | D | 11 | 1 | 27.3% | 6.75% |
| 19 | Spring Eq | D | 10 | 1 | 80.0% | 8.33% |
| 20 | Pennymac Loan Services | C | 9 | 1 | 22.2% | 6.00% |
| 21 | AmeriSave Mortgage | D | 9 | 2 | 44.4% | 7.63% |
| 22 | Isabella Bank | C | 9 | 6 | 11.1% | 7.50% |
| 23 | Nationstar Mortgage | C | 9 | 7 | 11.1% | 6.38% |
| 24 | Newrez | D | 9 | 6 | 22.2% | 6.75% |
| 25 | Guild Mortgage | A | 9 | 8 | 0.0% | 6.88% |
Best approval odds in Osceola 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 | 51 | 19.6% |
| 2 | Rocket Mortgage | 58 | 29.3% |
| 3 | The Huntington National Bank | 117 | 33.3% |
What Osceola County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Osceola County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 750 | 391 | 24.8% | 7.25% | $105,000 |
| 2024 | 844 | 483 | 21.9% | 7.13% | $125,000 |
| 2025 | 876 | 472 | 23.0% | 6.88% | $125,000 |
Frequently asked questions
23.0% of applications in Osceola County were denied in 2025, against 18.5% statewide in Michigan.
The Huntington National Bank, with 130 applications in 2025 and a denial rate of 30.0%.
The median mortgage application in Osceola County in 2025 was for $125,000; the median property value on originated loans was $205,000.