Mortgage lending in Delta County, Michigan
Lenders in Delta County, Michigan reported 451 mortgage applications for 2025, according to the CFPB.
451 mortgage applications and 259 loans originated in 2025; the denial rate was 23.1% of 363 applications decided. The median loan was about $175,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Delta County, MI.
- 451
- Applications
- 259
- Loans originated
- 23.1%
- Denial rate
- 84 denied of 363 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 451 | 259 |
| 2024 | 385 | 199 |
| 2023 | 337 | 173 |
| 2022 | 419 | 241 |
| 2021 | 675 | 404 |
| 2020 | 616 | 384 |
| 2019 | 479 | 266 |
| 2018 | 405 | 230 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Rocket Mortgage | 46 | 71 |
| Mortgage Research Center | 24 | 36 |
| Nicolet National Bank | 20 | 24 |
| loanDepot.com LLC | 17 | 26 |
| United Wholesale Mortgage | 9 | 17 |
| Flagstar Bank NA | 9 | 18 |
| Mutual of Omaha Mortgage | 7 | 8 |
| Huntington National Bank | 6 | 7 |
| GreenStone Farm Credit Services | 5 | 5 |
| Freedom Mortgage Corporation | 5 | 13 |
| New Day Financial, LLC. | 5 | 12 |
| Range Bank | 4 | 4 |
| Navy Federal Credit Union | 4 | 14 |
| Fox Communities Credit Union | 4 | 5 |
| Guaranteed Rate, Inc. | 4 | 7 |
| JPMorgan Chase Bank, NA | 4 | 6 |
| Honor Credit Union | 3 | 5 |
| Churchill Mortgage Corporation | 3 | 3 |
| Servion | 3 | 3 |
| Mortgage 1 Incorporated | 3 | 3 |
| Incrediblebank | 3 | 5 |
| Citizens Bank, NA | 3 | 6 |
| Legacy Mortgage | 2 | 2 |
| Planet Home Lending, LLC | 2 | 2 |
| First Colony Mortgage Corporat | 2 | 2 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | under 10 | |
| Black or African American | under 10 | |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 362 | 23.3% of 296 decided |
| 2 or more minority races | under 10 | |
| Joint | 14 | no rate: base under 50 |
| Race Not Available | 66 | 23.1% of 52 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | under 10 | |
| Not Hispanic or Latino | 372 | 23.6% of 301 decided |
| Joint | under 10 | |
| Ethnicity Not Available | 70 | 20.0% of 55 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 181 | 26.6% of 143 decided |
| Female | 89 | 23.3% of 73 decided |
| Joint | 143 | 18.6% of 118 decided |
| Sex Not Available | 38 | no rate: base under 50 |
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. 1414 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