Largest lenders in Oscoda County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | The Huntington National Bank | D | 61 | 24 | 37.7% | 7.36% |
| 2 | Rocket Mortgage | C | 31 | 19 | 29.0% | 6.88% |
| 3 | Community Financial Credit Union | B | 28 | 20 | 7.1% | 7.25% |
| 4 | United Shore Financial Services | B | 24 | 11 | 16.7% | 6.75% |
| 5 | Mercantile Bank | C | 17 | 12 | 17.7% | 7.44% |
| 6 | Broker Solutions | D | 11 | 1 | 18.2% | 7.63% |
| 7 | Mortgage Research Center | C | 10 | 5 | 20.0% | 6.75% |
| 8 | Freedom Mortgage | B | 9 | 2 | 33.3% | 6.50% |
| 9 | AmeriSave Mortgage | D | 8 | 1 | 75.0% | 7.38% |
| 10 | Union Home Mortgage | B | 8 | 4 | 0.0% | 6.75% |
| 11 | Mortgage Center L.c | C | 7 | 5 | 14.3% | 6.88% |
| 12 | JPMorgan Chase Bank | B | 6 | 4 | 33.3% | 6.25% |
| 13 | Navy Federal Credit Union | D | 6 | 2 | 16.7% | 6.75% |
| 14 | PNC Bank | D | 5 | 3 | 0.0% | 7.34% |
Best approval odds in Oscoda County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | The Huntington National Bank | 51 | 45.1% |
What Oscoda County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Oscoda County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 336 | 182 | 21.7% | 7.13% | $90,000 |
| 2024 | 361 | 213 | 20.8% | 7.25% | $105,000 |
| 2025 | 382 | 204 | 19.9% | 6.88% | $120,000 |
Frequently asked questions
19.9% of applications in Oscoda County were denied in 2025, against 18.5% statewide in Michigan.
The Huntington National Bank, with 61 applications in 2025 and a denial rate of 37.7%.
The median mortgage application in Oscoda County in 2025 was for $120,000; the median property value on originated loans was $205,000.