Mortgage lending in Bay County, Michigan
Lenders in Bay County, Michigan reported 3,326 mortgage applications for 2025, according to the CFPB.
3,326 mortgage applications and 2,131 loans originated in 2025; the denial rate was 19.6% of 2,780 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: Bay City, MI MSA.
- 3,326
- Applications
- 2,131
- Loans originated
- 19.6%
- Denial rate
- 544 denied of 2,780 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 3,326 | 2,131 |
| 2024 | 3,046 | 1,973 |
| 2023 | 2,788 | 1,804 |
| 2022 | 3,899 | 2,496 |
| 2021 | 5,685 | 3,863 |
| 2020 | 5,066 | 3,600 |
| 2019 | 3,617 | 2,494 |
| 2018 | 3,327 | 2,237 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Rocket Mortgage | 180 | 257 |
| Staunton Financial Inc | 150 | 170 |
| Huntington National Bank | 144 | 252 |
| United Wholesale Mortgage | 125 | 173 |
| United Bay Community Cu | 122 | 142 |
| Wildfire Credit Union | 84 | 101 |
| Frankenmuth Credit Union | 83 | 97 |
| Independent Bank | 75 | 116 |
| Financial Plus Credit Union | 67 | 91 |
| Das Acquisition Company, LLC | 59 | 77 |
| FinancialEdge Credit Union | 50 | 50 |
| Mortgage Research Center | 42 | 73 |
| Jolt Credit Union | 40 | 52 |
| Dow Credit Union | 40 | 71 |
| 1ST State Bank | 36 | 43 |
| Sunrise Family Credit Union | 36 | 39 |
| Great Lakes Federal Credit Uni | 35 | 35 |
| Guaranteed Rate, Inc. | 35 | 51 |
| PNC Bank N.A. | 26 | 60 |
| Top Flite Financial, Inc. | 24 | 29 |
| United Financial Credit Union | 23 | 30 |
| Isabella Bank | 21 | 26 |
| BLG Holdings, LLC | 20 | 24 |
| Lake Michigan Credit Union | 20 | 30 |
| loanDepot.com LLC | 19 | 37 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 29 | no rate: base under 50 |
| Asian | 14 | no rate: base under 50 |
| Black or African American | 54 | no rate: base under 50 |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 2,790 | 18.1% of 2,362 decided |
| 2 or more minority races | under 10 | |
| Joint | 34 | no rate: base under 50 |
| Race Not Available | 402 | 30.0% of 307 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 121 | 32.6% of 98 decided |
| Not Hispanic or Latino | 2,712 | 18.1% of 2,292 decided |
| Joint | withheld | |
| Ethnicity Not Available | 419 | 26.4% of 326 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 1,283 | 20.6% of 1,055 decided |
| Female | 836 | 22.9% of 708 decided |
| Joint | 951 | 13.7% of 825 decided |
| Sex Not Available | 256 | 27.1% of 192 decided |
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. 2383 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