HMDA 2025
Mortgage lenders in Michigan
Lenders reported 409,906 home-loan applications for properties in Michigan in 2025; 228,525 became loans and the denial rate on decided applications was 22.4%. The busiest county was Wayne County with 66,469 applications.
Most active lenders across Michigan's counties
- Rocket Mortgage, LLC 31,483 applications
- UNITED SHORE FINANCIAL SERVICES, LLC 29,447 applications
- The Huntington National Bank 20,280 applications
- LAKE MICHIGAN CREDIT UNION 16,645 applications
- Fifth Third Bank, National Association 11,475 applications
- JPMorgan Chase Bank, National Association 9,845 applications
- PENNYMAC LOAN SERVICES, LLC 7,833 applications
- 21st Mortgage Corporation 7,428 applications
- NEWREZ LLC 7,063 applications
- Citizens Bank, National Association 6,423 applications
- TRIAD FINANCIAL SERVICES, INC. 6,321 applications
- PNC Bank, National Association 5,647 applications
- UNION HOME MORTGAGE CORP. 5,199 applications
- Mortgage Research Center, LLC 4,862 applications
- NATIONSTAR MORTGAGE LLC 4,557 applications
Counties
| County | Applications | Lenders | Denial rate | Purchase / refi loans |
|---|---|---|---|---|
| Alcona County | 463 | 109 | 26.0% | 138 / 84 |
| Alger County | 206 | 70 | 23.9% | 61 / 37 |
| Allegan County | 5,888 | 289 | 21.5% | 1,438 / 1,124 |
| Alpena County | 658 | 110 | 22.4% | 195 / 110 |
| Antrim County | 1,327 | 164 | 20.3% | 307 / 255 |
| Arenac County | 553 | 121 | 19.9% | 143 / 104 |
| Baraga County | 173 | 47 | 21.0% | 52 / 32 |
| Barry County | 3,216 | 219 | 23.2% | 801 / 580 |
| Bay County | 3,613 | 215 | 19.6% | 1,092 / 569 |
| Benzie County | 920 | 156 | 21.0% | 220 / 171 |
| Berrien County | 7,380 | 339 | 24.3% | 1,781 / 1,128 |
| Branch County | 1,765 | 168 | 29.5% | 434 / 306 |
| Calhoun County | 5,561 | 258 | 24.6% | 1,427 / 1,081 |
| Cass County | 2,411 | 216 | 24.5% | 569 / 414 |
| Charlevoix County | 1,169 | 162 | 21.5% | 272 / 205 |
| Cheboygan County | 893 | 169 | 25.2% | 236 / 169 |
| Chippewa County | 723 | 117 | 26.4% | 205 / 87 |
| Clare County | 1,556 | 184 | 25.8% | 440 / 216 |
| Clinton County | 3,164 | 227 | 18.5% | 884 / 581 |
| Crawford County | 639 | 117 | 21.8% | 176 / 120 |
| Delta County | 494 | 107 | 23.1% | 148 / 87 |
| Dickinson County | 620 | 97 | 19.9% | 187 / 98 |
| Eaton County | 4,425 | 251 | 21.7% | 1,203 / 717 |
| Emmet County | 1,347 | 183 | 19.5% | 344 / 245 |
| Genesee County | 16,559 | 341 | 22.1% | 4,319 / 2,550 |
| Gladwin County | 1,254 | 171 | 21.9% | 344 / 200 |
| Gogebic County | 481 | 106 | 20.6% | 145 / 88 |
| Grand Traverse County | 4,303 | 254 | 20.1% | 1,100 / 822 |
| Gratiot County | 1,314 | 146 | 26.4% | 381 / 179 |
| Hillsdale County | 1,662 | 204 | 21.7% | 476 / 278 |
| Houghton County | 871 | 129 | 16.9% | 281 / 157 |
| Huron County | 928 | 138 | 19.8% | 287 / 147 |
| Ingham County | 9,948 | 332 | 22.1% | 2,947 / 1,357 |
| Ionia County | 2,616 | 193 | 22.8% | 742 / 443 |
| Iosco County | 962 | 159 | 24.6% | 297 / 142 |
| Iron County | 509 | 90 | 18.8% | 122 / 122 |
| Isabella County | 1,860 | 179 | 19.8% | 615 / 268 |
| Jackson County | 6,476 | 277 | 22.2% | 1,782 / 992 |
| Kalamazoo County | 10,359 | 340 | 20.6% | 2,819 / 1,985 |
| Kalkaska County | 864 | 144 | 25.0% | 205 / 167 |
| Kent County | 28,383 | 413 | 19.5% | 7,408 / 5,239 |
| Keweenaw County | 58 | 27 | 12.5% | 17 / 13 |
| Lake County | 617 | 128 | 24.9% | 185 / 90 |
| Lapeer County | 4,045 | 216 | 20.3% | 973 / 746 |
| Leelanau County | 1,133 | 156 | 16.2% | 292 / 225 |
| Lenawee County | 4,134 | 234 | 21.4% | 1,112 / 635 |
| Livingston County | 9,373 | 320 | 18.6% | 2,321 / 1,747 |
| Luce County | 147 | 55 | 24.1% | 50 / 17 |
| Mackinac County | 235 | 91 | 22.8% | 63 / 46 |
| Macomb County | 38,549 | 430 | 23.3% | 10,154 / 7,094 |
| Manistee County | 952 | 165 | 23.2% | 253 / 183 |
| Marquette County | 1,698 | 153 | 16.8% | 492 / 337 |
| Mason County | 880 | 154 | 21.3% | 248 / 210 |
| Mecosta County | 1,733 | 176 | 21.4% | 476 / 290 |
| Menominee County | 549 | 91 | 14.5% | 166 / 105 |
| Midland County | 2,877 | 212 | 17.5% | 891 / 543 |
| Missaukee County | 597 | 110 | 23.3% | 139 / 112 |
| Monroe County | 7,418 | 273 | 23.1% | 1,832 / 1,337 |
| Montcalm County | 3,072 | 205 | 20.2% | 806 / 578 |
| Montmorency County | 520 | 114 | 20.4% | 160 / 83 |
| Muskegon County | 8,415 | 265 | 20.7% | 2,204 / 1,588 |
| Newaygo County | 2,403 | 189 | 23.4% | 572 / 422 |
| Oakland County | 55,675 | 537 | 20.2% | 14,478 / 10,740 |
| Oceana County | 1,004 | 166 | 21.1% | 273 / 194 |
| Ogemaw County | 808 | 144 | 25.7% | 219 / 134 |
| Ontonagon County | 164 | 57 | 22.8% | 47 / 34 |
| Osceola County | 929 | 133 | 28.7% | 235 / 139 |
| Oscoda County | 409 | 109 | 25.5% | 98 / 64 |
| Otsego County | 1,259 | 161 | 20.7% | 308 / 208 |
| Ottawa County | 12,741 | 334 | 18.1% | 3,276 / 2,521 |
| Presque Isle County | 336 | 89 | 20.5% | 81 / 76 |
| Roscommon County | 1,474 | 203 | 22.1% | 435 / 226 |
| Saginaw County | 6,244 | 263 | 22.7% | 1,814 / 952 |
| Sanilac County | 1,387 | 161 | 22.5% | 378 / 254 |
| Schoolcraft County | 144 | 51 | 17.6% | 42 / 22 |
| Shiawassee County | 3,085 | 206 | 22.3% | 777 / 539 |
| St. Clair County | 7,949 | 269 | 24.1% | 1,943 / 1,371 |
| St. Joseph County | 2,357 | 191 | 19.5% | 693 / 441 |
| Tuscola County | 1,810 | 152 | 21.3% | 504 / 276 |
| Van Buren County | 3,492 | 235 | 22.2% | 842 / 665 |
| Washtenaw County | 12,725 | 373 | 19.9% | 3,447 / 2,119 |
| Wayne County | 66,469 | 518 | 28.0% | 16,170 / 10,775 |
| Wexford County | 1,527 | 153 | 24.2% | 364 / 270 |