PRESTON HOME LOANS INC
PRESTON HOME LOANS INC received 1,717 applications in 2025 and made 1,214 mortgages, in 94 counties across 7 states. The median rate its borrowers got was 6.625% on a median loan of $185,000. Of 1,250 decisions, 36 were denials — 2.9%, most often for debt-to-income ratio.
| Legal Entity Identifier | 254900A9IPKYRVXEJ156 |
|---|---|
| Applications received | 1,717 |
| Mortgages made | 1,214 |
| Denied | 36 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 467 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.729 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 1,085 | 6.625% | $185,000 | 3.0% |
| Refinancing | 102 | 6.250% | $210,000 | 1.9% |
| Other purposes | 27 | 6.625% | $185,000 | 0.0% |
Where PRESTON HOME LOANS INC lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Genesee County, MI | 517 | 6.625% | 2.6% |
| Oakland County, MI | 120 | 6.750% | 0.8% |
| Saginaw County, MI | 63 | 6.625% | 6.0% |
| Shiawassee County, MI | 52 | 6.625% | 1.9% |
| Lapeer County, MI | 45 | 6.625% | 0.0% |
| Wayne County, MI | 40 | 6.625% | 9.1% |
| Tuscola County, MI | 36 | 6.750% | 2.7% |
| Macomb County, MI | 29 | 6.625% | 6.5% |
| Livingston County, MI | 25 | 6.625% | 0.0% |
| St. Clair County, MI | 23 | 6.625% | 0.0% |
| Gratiot County, MI | 21 | 6.625% | 4.6% |
| Bay County, MI | 18 | 6.990% | 0.0% |
| Clare County, MI | 15 | 6.625% | 11.8% |
| Marquette County, MI | 15 | 6.875% | 6.3% |
| Isabella County, MI | 14 | 6.750% | 0.0% |
| Ingham County, MI | 12 | 6.813% | 0.0% |
| Montcalm County, MI | 9 | Under 10 loans | 0.0% |
| Tarrant County, TX | 8 | Under 10 loans | 0.0% |
| Roscommon County, MI | 7 | Under 10 loans | 0.0% |
| Gladwin County, MI | 6 | Under 10 loans | 0.0% |
| Kent County, MI | 6 | Under 10 loans | 0.0% |
| Washtenaw County, MI | 6 | Under 10 loans | 0.0% |
| Antrim County, MI | 5 | Under 10 loans | 0.0% |
| Ionia County, MI | 5 | Under 10 loans | 0.0% |
| Lake County, MI | 5 | Under 10 loans | 0.0% |
| Sanilac County, MI | 5 | Under 10 loans | 0.0% |
| Denton County, TX | 5 | Under 10 loans | 0.0% |
| Lake County, IN | 4 | Under 10 loans | 0.0% |
| Mecosta County, MI | 4 | Under 10 loans | 20.0% |
| Porter County, IN | 3 | Under 10 loans | 0.0% |
| Calhoun County, MI | 3 | Under 10 loans | 0.0% |
| Cheboygan County, MI | 3 | Under 10 loans | 0.0% |
| Clinton County, MI | 3 | Under 10 loans | 0.0% |
| Huron County, MI | 3 | Under 10 loans | 0.0% |
| Kalkaska County, MI | 3 | Under 10 loans | 25.0% |
| Midland County, MI | 3 | Under 10 loans | 0.0% |
| Monroe County, MI | 3 | Under 10 loans | 0.0% |
| Muskegon County, MI | 3 | Under 10 loans | 0.0% |
| Wexford County, MI | 3 | Under 10 loans | 0.0% |
| Young County, TX | 3 | Under 10 loans | 0.0% |
| Johnson County, IN | 2 | Under 10 loans | 0.0% |
| Allegan County, MI | 2 | Under 10 loans | 0.0% |
| Arenac County, MI | 2 | Under 10 loans | 0.0% |
| Delta County, MI | 2 | Under 10 loans | 0.0% |
| Kalamazoo County, MI | 2 | Under 10 loans | 0.0% |
| Lenawee County, MI | 2 | Under 10 loans | 0.0% |
| Manistee County, MI | 2 | Under 10 loans | 0.0% |
| Newaygo County, MI | 2 | Under 10 loans | 0.0% |
| Oscoda County, MI | 2 | Under 10 loans | 0.0% |
| Otsego County, MI | 2 | Under 10 loans | 0.0% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.