Mortgage lending in Alpena County, Michigan
Lenders in Alpena County, Michigan reported 616 mortgage applications for 2025, according to the CFPB.
616 mortgage applications and 359 loans originated in 2025; the denial rate was 22.4% of 496 applications decided. The median loan was about $145,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Alpena County, MI.
- 616
- Applications
- 359
- Loans originated
- 22.4%
- Denial rate
- 111 denied of 496 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 616 | 359 |
| 2024 | 566 | 326 |
| 2023 | 445 | 252 |
| 2022 | 577 | 335 |
| 2021 | 808 | 529 |
| 2020 | 706 | 461 |
| 2019 | 512 | 307 |
| 2018 | 470 | 280 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Rocket Mortgage | 59 | 88 |
| United Wholesale Mortgage | 52 | 73 |
| Neighborhood Mortgage Solutions, LLC | 27 | 28 |
| Huntington National Bank | 25 | 53 |
| Staunton Financial Inc | 18 | 23 |
| Nicolet National Bank | 16 | 21 |
| Mortgage Research Center | 13 | 26 |
| Community Financial | 10 | 21 |
| Navy Federal Credit Union | 7 | 12 |
| GreenStone Farm Credit Services | 6 | 9 |
| Union Home Mortgage Corp. | 6 | 7 |
| loanDepot.com LLC | 5 | 7 |
| PNC Bank N.A. | 5 | 7 |
| Cornerstone First Mortgage, LLC | 4 | 4 |
| Newrez LLC | 4 | 13 |
| Nationstar Mortgage | 4 | 7 |
| Freedom Mortgage Corporation | 4 | 5 |
| Kind Lending, LLC | 4 | 10 |
| Mortgage Solutions of Colorado | 4 | 4 |
| Everett Financial, Inc. | 4 | 5 |
| Zillow Home Loans, LLC | 3 | 3 |
| Kiavi Funding, Inc. | 3 | 4 |
| Mortgage 1 Incorporated | 3 | 4 |
| Crosscountry Mortgage, LLC | 3 | 5 |
| Lake Michigan Credit Union | 3 | 3 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | under 10 | |
| Asian | under 10 | |
| Black or African American | under 10 | |
| White | 516 | 22.1% of 421 decided |
| Joint | 11 | no rate: base under 50 |
| Race Not Available | 81 | 27.1% of 59 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | withheld | |
| Not Hispanic or Latino | 506 | 20.9% of 417 decided |
| Joint | under 10 | |
| Ethnicity Not Available | 87 | 32.8% of 64 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 227 | 24.9% of 181 decided |
| Female | 143 | 30.5% of 118 decided |
| Joint | 200 | 10.9% of 165 decided |
| Sex Not Available | 46 | no rate: base under 50 |
A category under 10 applications prints “under 10”, and beside a lone one the next-smallest is withheld too, so neither can be worked out from the whole. No rate is printed on fewer than 50 decisions. A denial rate does not control for credit history, income, debt or the property, so a difference between groups is not a measure of discrimination.
Rankings this appears in
- No. 1993 Counties by median mortgage
Sources
- HMDA public loan/application register (LAR) — each year's fullest national release — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- Census Bureau population estimates — nation and states, with components of change — U.S. Census Bureau · U.S. Government work · retrieved September 25, 2026
- HMDA transmittal sheet — every reporting lender, by year, with its name — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder
- Census Bureau county population estimates — U.S. Census Bureau · U.S. Government work · retrieved September 23, 2026
Compiled automatically from HMDA public loan/application register (LAR) — each year's fullest national release, Census Bureau population estimates — nation and states, with components of change, HMDA transmittal sheet — every reporting lender, by year, with its name, HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder and Census Bureau county population estimates by a checked SQL query · Editor: Kian O'Connor · How this site is built
Data retrieved