Mortgage lending in Charlevoix County, Michigan
Lenders in Charlevoix County, Michigan reported 1,121 mortgage applications for 2025, according to the CFPB.
1,121 mortgage applications and 668 loans originated in 2025; the denial rate was 21.5% of 895 applications decided. The median loan was about $215,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Charlevoix County, MI.
- 1,121
- Applications
- 668
- Loans originated
- 21.5%
- Denial rate
- 192 denied of 895 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 1,121 | 668 |
| 2024 | 1,072 | 611 |
| 2023 | 817 | 447 |
| 2022 | 1,216 | 735 |
| 2021 | 1,911 | 1,249 |
| 2020 | 1,924 | 1,240 |
| 2019 | 1,382 | 913 |
| 2018 | 1,232 | 799 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Huntington National Bank | 93 | 157 |
| 4FRONT Credit Union | 77 | 135 |
| United Wholesale Mortgage | 52 | 62 |
| Rocket Mortgage | 51 | 67 |
| Mercantile Bank | 47 | 60 |
| Lake Michigan Credit Union | 34 | 47 |
| Fifth Third Bank, National Association | 17 | 28 |
| Dart Bank | 12 | 16 |
| Community Financial | 10 | 11 |
| Union Home Mortgage Corp. | 10 | 12 |
| Independent Bank | 9 | 13 |
| Mortgage Research Center | 8 | 19 |
| Newrez LLC | 7 | 12 |
| Kind Lending, LLC | 7 | 9 |
| JPMorgan Chase Bank, NA | 7 | 12 |
| Horizon Bank | 7 | 7 |
| First Merchants Bank | 7 | 11 |
| Triad Financial Services, Inc. | 6 | 31 |
| 21ST Mortgage | 6 | 17 |
| PNC Bank N.A. | 5 | 11 |
| Coastal Community Bank | 4 | 12 |
| loanDepot.com LLC | 4 | 5 |
| New American Funding, LLC. | 4 | 8 |
| Freedom Mortgage Corporation | 4 | 18 |
| Calcon Mutual Mortgage LLC | 4 | 5 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | under 10 | |
| Asian | 17 | no rate: base under 50 |
| Black or African American | under 10 | |
| White | 922 | 20.1% of 742 decided |
| Joint | 16 | no rate: base under 50 |
| Race Not Available | 153 | 28.2% of 117 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | withheld | |
| Not Hispanic or Latino | 948 | 21.4% of 762 decided |
| Joint | 12 | no rate: base under 50 |
| Ethnicity Not Available | 150 | 20.3% of 113 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 382 | 23.0% of 309 decided |
| Female | 237 | 23.4% of 184 decided |
| Joint | 420 | 18.6% of 339 decided |
| Sex Not Available | 82 | 23.8% of 63 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. 895 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