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mortgage lenders · HMDA 2023–2025

Mortgage lenders in Ottawa County, Michigan

Fat Boy Data analyzed home purchase mortgage activity in Ottawa County, Michigan to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 12,083 applications were decided by 284 lenders between 2023 and 2025.

Ottawa County at a glance

284Active lenders61 with 20+ decisions
83.6%Market approval rate10,096 of 12,083 decided
$305KTypical loanmedian lender, $10K brackets
92%Borrower take-up9,322 loans funded

How Ottawa County compares

Approval rate compared
Ottawa County83.6%Michigan84.6%All 616 counties87.6%
Typical loan compared
Ottawa County$305KMichigan$235KAll 616 counties$335K

What the data shows

Lake Michigan Credit Union made the most home purchase mortgages in Ottawa County, MI, 2,423 of them.

That is 26% of every home purchase mortgage originated here, so this market is unusually concentrated in one lender.

Northern Mortgage Services, LLC approved the highest share of applications among lenders with at least 20 decisions here, 100% of 301.

The typical home purchase mortgage here is $305K, 30% larger than the Michigan typical of $235K.

Approval rate of all 60 lenders with 20+ decisions here
0%25%50%75%100%Zippy Loans, LLC: 31% approved of 4821St Mortgage Corporation: 41% approved of 633Greenwood Credit Union: 43% approved of 30Triad Financial Services, Inc.: 47% approved of 1,811GREENSTATE Credit Union: 52% approved of 204Flagstar Bank, National Association: 78% approved of 78U.S. Bank National Association: 80% approved of 20Pennymac Loan Services, LLC: 81% approved of 21Neighborhood Loans, Inc.: 86% approved of 391Mortgage Research Center, LLC: 87% approved of 75Navy Federal Credit Union: 87% approved of 30Bank of America, National Association: 88% approved of 26ChoiceOne Bank: 89% approved of 64United Federal Credit Union: 89% approved of 122Fifth Third Bank, National Association: 89% approved of 332PNC Bank, National Association: 89% approved of 38United Bank of Michigan: 90% approved of 126Horizon Bank: 91% approved of 33Mercantile Bank: 91% approved of 327Rocket Mortgage, LLC: 91% approved of 222The Huntington National Bank: 92% approved of 287Michigan Mutual, Inc.: 93% approved of 27Mortgage Center L.C.: 93% approved of 42Arbor Financial Credit Union: 93% approved of 29First Community Mortgage, Inc.: 94% approved of 78Newrez LLC: 94% approved of 48T2 Financial LLC: 94% approved of 33Michigan First Credit Union: 94% approved of 50United Wholesale Mortgage, LLC: 95% approved of 555Centier Bank: 95% approved of 79The Loan Store, Inc.: 95% approved of 21JPMorgan Chase Bank, National Association: 95% approved of 110Ruoff Mortgage Company, Inc.: 96% approved of 45Union Home Mortgage Corp.: 96% approved of 71West Michigan Community Bank: 96% approved of 123Adventure Credit Union: 96% approved of 25Old National Bank: 96% approved of 203Crosscountry Mortgage, LLC: 96% approved of 56MICHIGAN STATE UNIVERSITY Federal Credit Union: 97% approved of 31American Pacific Mortgage Corporation: 97% approved of 32Northpointe Bank: 97% approved of 65Guaranteed Rate, Inc.: 97% approved of 34Lake Michigan Credit Union: 97% approved of 2,521Macatawa Bank, National Association: 98% approved of 128The Dart Bank: 98% approved of 217Mortgage 1 Incorporated: 98% approved of 240Independent Bank: 98% approved of 192Consumers Credit Union: 99% approved of 251Northern Mortgage Services, LLC: 100% approved of 301Churchill Mortgage Corporation: 100% approved of 171Ark-La-Tex Financial Services, LLC.: 100% approved of 107Guild Mortgage Company LLC: 100% approved of 95Success Mortgage Partners, Inc.: 100% approved of 76Van Dyk Mortgage Corporation: 100% approved of 49Mms Mortgage Services, Ltd.: 100% approved of 45Grand River Bank: 100% approved of 39Fairway Independent Mortgage Corporation: 100% approved of 37Barrington Bank & Trust Company, National Association: 100% approved of 33AAC Credit Union: 100% approved of 21Greenstone Farm Credit Services, Flca: 100% approved of 21

Each dot is one lender, placed at its approval rate. Hover for the name and sample size.

Mortgage lenders in Ottawa County

LenderApprovalApprovedTaken upTypical loanLoans made
1Lake Michigan Credit Union97%2,457 / 2,52199%$305K2,423
2Triad Financial Services, Inc.47%856 / 1,81139%$55K334
321St Mortgage Corporation41%261 / 63397%$75K254
4United Wholesale Mortgage, LLCBroker only95%525 / 55599%$315K522
5Neighborhood Loans, Inc.86%338 / 39199%$285K336

Ranked by lending volume. Approval is the share of decided applications a lender approved; taken up is the share of approvals the borrower accepted. Lenders with fewer than 20 decisions are marked as a limited sample and are never used for a “highest approval” claim. How these numbers are built.

Fat Boy found 279 more lenders.

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You are seeing the 5 largest home purchase mortgage lenders in Ottawa County. Unlock every lender who decided one of these loans here, what they approved, how much borrowers actually took, and how far the nearest office is.

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Nearby markets

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