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mortgage lenders · HMDA 2023–2025

Mortgage lenders in Bay County, Michigan

Fat Boy Data analyzed home purchase mortgage activity in Bay 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. 3,492 applications were decided by 193 lenders between 2023 and 2025.

Bay County at a glance

193Active lenders39 with 20+ decisions
89.5%Market approval rate3,125 of 3,492 decided
$145KTypical loanmedian lender, $10K brackets
97%Borrower take-up3,032 loans funded

How Bay County compares

Approval rate compared
Bay County89.5%Michigan84.6%All 616 counties87.6%
Typical loan compared
Bay County$145KMichigan$235KAll 616 counties$335K

What the data shows

Staunton Financial, Inc. made the most home purchase mortgages in Bay County, MI, 295 of them.

Jolt Credit Union approved the highest share of applications among lenders with at least 20 decisions here, 100% of 67.

The typical home purchase mortgage here is $145K, 38% smaller than the Michigan typical of $235K.

Approval rate of all 39 lenders with 20+ decisions here
0%25%50%75%100%Zippy Loans, LLC: 29% approved of 21Triad Financial Services, Inc.: 35% approved of 7221St Mortgage Corporation: 37% approved of 76Credit Human Federal Credit Union: 38% approved of 21GREENSTATE Credit Union: 44% approved of 36Isabella Bank: 76% approved of 33Fifth Third Bank, National Association: 85% approved of 20Navy Federal Credit Union: 85% approved of 20Rocket Mortgage, LLC: 88% approved of 186The Huntington National Bank: 88% approved of 136Mortgage Research Center, LLC: 89% approved of 961St State Financial, Ltd.: 89% approved of 79Team One Credit Union: 90% approved of 20United Wholesale Mortgage, LLC: 90% approved of 202JPMorgan Chase Bank, National Association: 92% approved of 24Financial Plus Credit Union: 93% approved of 58Independent Bank: 94% approved of 112Mercantile Bank: 94% approved of 32Michigan Mutual, Inc.: 95% approved of 43Lake Michigan Credit Union: 96% approved of 47Preston Home Loans Inc: 96% approved of 47Staunton Financial, Inc.: 97% approved of 305United Bay Community: 97% approved of 109Guaranteed Rate, Inc.: 97% approved of 38Top Flite Financial, Inc.: 97% approved of 39Dow Credit Union: 98% approved of 90Academy Mortgage Corporation: 98% approved of 166Das Acquisition Company, LLC: 98% approved of 119Frankenmuth Credit Union: 98% approved of 130First Community Mortgage, Inc.: 99% approved of 86Wildfire Credit Union: 99% approved of 112Jolt Credit Union: 100% approved of 67FinancialEdge Credit Union: 100% approved of 47Blg Holdings, LLC: 100% approved of 36Sunrise Family Credit Union: 100% approved of 32Mortgage300 Corporation: 100% approved of 32The Dart Bank: 100% approved of 24Geneva Financial, LLC: 100% approved of 23UNITED FINANCIAL Credit Union: 100% approved of 21

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

Mortgage lenders in Bay County

LenderApprovalApprovedTaken upTypical loanLoans made
1Staunton Financial, Inc.97%296 / 305100%$145K295
2United Wholesale Mortgage, LLCBroker only90%182 / 20299%$155K181
3Rocket Mortgage, LLC88%163 / 18699%$145K161
4Academy Mortgage Corporation98%163 / 16699%$95K161
5The Huntington National Bank88%120 / 13695%$145K114

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 188 more lenders.

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You are seeing the 5 largest home purchase mortgage lenders in Bay 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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Other lending data for Bay County

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Nearby markets

All lending in Bay CountyCounty overviewMortgage lenders across MichiganStatewideSaginaw CountyNearby county