Mortgage lending in Cass County, Michigan
Lenders in Cass County, Michigan reported 2,254 mortgage applications for 2025, according to the CFPB.
2,254 mortgage applications and 1,324 loans originated in 2025; the denial rate was 24.5% of 1,862 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: Cass County, MI HUD Metro FMR Area.
- 2,254
- Applications
- 1,324
- Loans originated
- 24.5%
- Denial rate
- 456 denied of 1,862 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 2,254 | 1,324 |
| 2024 | 2,022 | 1,237 |
| 2023 | 1,859 | 1,129 |
| 2022 | 2,652 | 1,641 |
| 2021 | 3,750 | 2,409 |
| 2020 | 3,729 | 2,397 |
| 2019 | 2,533 | 1,613 |
| 2018 | 2,321 | 1,427 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Honor Credit Union | 106 | 180 |
| Rocket Mortgage | 94 | 134 |
| United Federal Credit Union | 70 | 113 |
| Ruoff Mortgage Company | 68 | 94 |
| 1ST Source Bank | 66 | 90 |
| Fifth Third Bank, National Association | 48 | 108 |
| Everwise Credit Union | 47 | 77 |
| Huntington National Bank | 46 | 105 |
| Notre Dame Federal Credit Union | 39 | 58 |
| United Wholesale Mortgage | 39 | 64 |
| Union Home Mortgage Corp. | 33 | 48 |
| Cardinal Financial Company, Li | 32 | 37 |
| Crosscountry Mortgage, LLC | 32 | 46 |
| First Federal Savings Bank | 27 | 27 |
| Lake City Bank | 25 | 30 |
| Old National Bank | 21 | 30 |
| Sturgis Bank & Trust | 20 | 24 |
| Horizon Bank | 20 | 29 |
| Consumers Credit Union | 17 | 22 |
| Inova Federal Credit Union | 17 | 21 |
| Lake Michigan Credit Union | 16 | 21 |
| Arbor Financial Credit Union | 14 | 17 |
| Interra Credit Union | 13 | 21 |
| JPMorgan Chase Bank, NA | 12 | 22 |
| loanDepot.com LLC | 11 | 22 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 26 | no rate: base under 50 |
| Asian | 17 | no rate: base under 50 |
| Black or African American | 57 | no rate: base under 50 |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 1,839 | 21.9% of 1,542 decided |
| 2 or more minority races | under 10 | |
| Joint | 39 | no rate: base under 50 |
| Free Form Text Only | under 10 | |
| Race Not Available | 268 | 36.4% of 209 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 55 | no rate: base under 50 |
| Not Hispanic or Latino | 1,869 | 22.6% of 1,562 decided |
| Joint | 43 | no rate: base under 50 |
| Ethnicity Not Available | 287 | 36.8% of 223 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 819 | 25.1% of 676 decided |
| Female | 443 | 29.0% of 358 decided |
| Joint | 847 | 19.6% of 718 decided |
| Sex Not Available | 145 | 37.3% of 110 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. 1574 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