Mortgage lending in Cheboygan County, Michigan
Lenders in Cheboygan County, Michigan reported 838 mortgage applications for 2025, according to the CFPB.
838 mortgage applications and 482 loans originated in 2025; the denial rate was 25.2% of 682 applications decided. The median loan was about $190,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Cheboygan County, MI.
- 838
- Applications
- 482
- Loans originated
- 25.2%
- Denial rate
- 172 denied of 682 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 838 | 482 |
| 2024 | 755 | 417 |
| 2023 | 585 | 354 |
| 2022 | 793 | 480 |
| 2021 | 1,268 | 796 |
| 2020 | 1,303 | 822 |
| 2019 | 883 | 512 |
| 2018 | 810 | 483 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Rocket Mortgage | 79 | 117 |
| United Wholesale Mortgage | 44 | 61 |
| Mercantile Bank | 29 | 38 |
| Huntington National Bank | 20 | 35 |
| Nicolet National Bank | 16 | 19 |
| PNC Bank N.A. | 14 | 21 |
| 4FRONT Credit Union | 13 | 23 |
| Mortgage Research Center | 13 | 22 |
| Lake Michigan Credit Union | 12 | 15 |
| Success Mortgage Partners, Inc | 11 | 12 |
| Member First Mortgage, LLC | 10 | 24 |
| Union Home Mortgage Corp. | 10 | 15 |
| Fifth Third Bank, National Association | 8 | 16 |
| Community Financial | 7 | 11 |
| Citizens Bank, NA | 6 | 8 |
| Navy Federal Credit Union | 5 | 6 |
| Calcon Mutual Mortgage LLC | 5 | 6 |
| Carrington Mortgage Services LLC | 5 | 10 |
| JPMorgan Chase Bank, NA | 5 | 6 |
| GreenStone Farm Credit Services | 4 | 4 |
| Dart Bank | 4 | 5 |
| Newrez LLC | 4 | 9 |
| Mutual of Omaha Mortgage | 4 | 8 |
| United Federal Credit Union | 4 | 7 |
| Legacy Mortgage | 3 | 5 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 18 | no rate: base under 50 |
| Asian | under 10 | |
| Black or African American | under 10 | |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 669 | 22.8% of 558 decided |
| Joint | 23 | no rate: base under 50 |
| Race Not Available | 124 | 36.8% of 95 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 12 | no rate: base under 50 |
| Not Hispanic or Latino | 678 | 23.3% of 567 decided |
| Joint | 13 | no rate: base under 50 |
| Ethnicity Not Available | 135 | 35.6% of 101 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 296 | 28.9% of 239 decided |
| Female | 163 | 32.1% of 137 decided |
| Joint | 305 | 17.3% of 254 decided |
| Sex Not Available | 74 | 28.8% of 52 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. 1223 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