Mortgage lending in Arenac County, Michigan
Lenders in Arenac County, Michigan reported 526 mortgage applications for 2025, according to the CFPB.
526 mortgage applications and 325 loans originated in 2025; the denial rate was 19.9% of 428 applications decided. The median loan was about $125,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Arenac County, MI.
- 526
- Applications
- 325
- Loans originated
- 19.9%
- Denial rate
- 85 denied of 428 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 526 | 325 |
| 2024 | 433 | 255 |
| 2023 | 433 | 238 |
| 2022 | 466 | 280 |
| 2021 | 801 | 492 |
| 2020 | 662 | 416 |
| 2019 | 491 | 285 |
| 2018 | 542 | 309 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Rocket Mortgage | 43 | 74 |
| Huntington National Bank | 25 | 42 |
| Staunton Financial Inc | 17 | 19 |
| Horizon Bank | 16 | 27 |
| United Wholesale Mortgage | 15 | 22 |
| Sunrise Family Credit Union | 11 | 11 |
| North Central Area Credit Union | 10 | 10 |
| Mortgage Research Center | 10 | 12 |
| Frankenmuth Credit Union | 9 | 11 |
| United Bay Community Cu | 8 | 9 |
| Wildfire Credit Union | 7 | 8 |
| GreenStone Farm Credit Services | 7 | 10 |
| Dart Bank | 7 | 9 |
| Fifth Third Bank, National Association | 7 | 7 |
| Independent Bank | 6 | 13 |
| Nationstar Mortgage | 5 | 5 |
| Mercantile Bank | 5 | 11 |
| Pennymac Loan Services LLC | 5 | 8 |
| Genisys Credit Union | 4 | 5 |
| Das Acquisition Company, LLC | 4 | 6 |
| 1ST State Bank | 3 | 3 |
| First National Bank of America | 3 | 4 |
| Dow Credit Union | 3 | 3 |
| Community Choice Credit Union | 3 | 3 |
| Amerisave Mortgage Company | 3 | 7 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| Asian | under 10 | |
| Black or African American | under 10 | |
| White | 450 | 19.3% of 368 decided |
| Joint | 10 | no rate: base under 50 |
| Race Not Available | 61 | 26.0% of 50 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | under 10 | |
| Not Hispanic or Latino | 432 | 18.2% of 351 decided |
| Joint | under 10 | |
| Ethnicity Not Available | 78 | 27.0% of 63 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 177 | 24.3% of 136 decided |
| Female | 120 | 16.4% of 104 decided |
| Joint | 178 | 15.5% of 148 decided |
| Sex Not Available | 51 | 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. 2382 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