Mortgage lending in Berrien County, Michigan
Lenders in Berrien County, Michigan reported 6,903 mortgage applications for 2025, according to the CFPB.
6,903 mortgage applications and 4,011 loans originated in 2025; the denial rate was 24.3% of 5,645 applications decided. The median loan was about $165,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Niles, MI MSA.
- 6,903
- Applications
- 4,011
- Loans originated
- 24.3%
- Denial rate
- 1,371 denied of 5,645 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 6,903 | 4,011 |
| 2024 | 6,296 | 3,668 |
| 2023 | 5,921 | 3,437 |
| 2022 | 8,018 | 4,913 |
| 2021 | 11,935 | 7,708 |
| 2020 | 11,389 | 7,476 |
| 2019 | 7,831 | 4,862 |
| 2018 | 6,826 | 4,280 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| United Federal Credit Union | 683 | 1,034 |
| Honor Credit Union | 562 | 836 |
| Rocket Mortgage | 234 | 318 |
| Fifth Third Bank, National Association | 206 | 371 |
| Huntington National Bank | 171 | 298 |
| Union Home Mortgage Corp. | 163 | 198 |
| United Wholesale Mortgage | 123 | 187 |
| Horizon Bank | 118 | 188 |
| Sturgis Bank & Trust | 107 | 133 |
| Ruoff Mortgage Company | 75 | 114 |
| Crosscountry Mortgage, LLC | 71 | 116 |
| 1ST Source Bank | 69 | 117 |
| Everwise Credit Union | 57 | 100 |
| JPMorgan Chase Bank, NA | 57 | 101 |
| Guaranteed Rate, Inc. | 55 | 101 |
| loanDepot.com LLC | 48 | 90 |
| Mortgage Research Center | 38 | 89 |
| Lake Michigan Credit Union | 38 | 52 |
| Notre Dame Federal Credit Union | 37 | 55 |
| Independent Bank | 35 | 50 |
| Originpoint, LLC | 34 | 49 |
| Fairway Independent Mort Corp | 32 | 40 |
| Pennymac Loan Services LLC | 29 | 48 |
| Consumers Credit Union | 25 | 36 |
| Triad Financial Services, Inc. | 24 | 117 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 41 | no rate: base under 50 |
| Asian | 115 | 25.9% of 85 decided |
| Black or African American | 445 | 40.4% of 349 decided |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 5,201 | 21.3% of 4,313 decided |
| 2 or more minority races | 10 | no rate: base under 50 |
| Joint | 78 | 23.1% of 65 decided |
| Free Form Text Only | under 10 | |
| Race Not Available | 1,006 | 32.6% of 784 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 256 | 35.3% of 207 decided |
| Not Hispanic or Latino | 5,516 | 22.7% of 4,556 decided |
| Joint | withheld | |
| Ethnicity Not Available | 1,026 | 30.7% of 785 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 2,385 | 26.8% of 1,885 decided |
| Female | 1,679 | 30.1% of 1,400 decided |
| Joint | 2,318 | 16.6% of 1,967 decided |
| Sex Not Available | 521 | 30.0% of 393 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. 1573 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