Mortgage lending in Eaton County, Michigan
Lenders in Eaton County, Michigan reported 4,102 mortgage applications for 2025, according to the CFPB.
4,102 mortgage applications and 2,482 loans originated in 2025; the denial rate was 21.7% of 3,399 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: Lansing-East Lansing, MI MSA.
- 4,102
- Applications
- 2,482
- Loans originated
- 21.7%
- Denial rate
- 737 denied of 3,399 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 4,102 | 2,482 |
| 2024 | 3,674 | 2,199 |
| 2023 | 3,499 | 2,052 |
| 2022 | 4,781 | 2,975 |
| 2021 | 7,683 | 5,109 |
| 2020 | 7,095 | 4,739 |
| 2019 | 5,046 | 3,274 |
| 2018 | 4,488 | 2,905 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Msu Federal Credit Union | 277 | 431 |
| Rocket Mortgage | 228 | 309 |
| Dart Bank | 196 | 267 |
| Union Home Mortgage Corp. | 157 | 212 |
| United Wholesale Mortgage | 111 | 159 |
| Fifth Third Bank, National Association | 84 | 133 |
| Lafcu | 72 | 108 |
| Flagstar Bank NA | 70 | 133 |
| Huntington National Bank | 63 | 102 |
| Eaton Community Bank | 51 | 88 |
| Independent Bank | 43 | 81 |
| Consumers Credit Union | 43 | 55 |
| Mortgage Research Center | 42 | 77 |
| PNC Bank N.A. | 41 | 77 |
| Lake Trust Credit Union | 36 | 73 |
| Everett Financial, Inc. | 32 | 36 |
| Newrez LLC | 30 | 62 |
| Nationstar Mortgage | 27 | 37 |
| GreenStone Farm Credit Services | 26 | 31 |
| Lake Michigan Credit Union | 25 | 31 |
| CASE Credit Union | 24 | 31 |
| Northpointe Bank | 24 | 42 |
| Pfcu | 23 | 31 |
| Zippy Loans, LLC | 22 | 56 |
| Pennymac Loan Services LLC | 22 | 37 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 15 | no rate: base under 50 |
| Asian | 57 | 19.6% of 51 decided |
| Black or African American | 159 | 30.4% of 125 decided |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 3,274 | 20.8% of 2,740 decided |
| 2 or more minority races | under 10 | |
| Joint | 56 | no rate: base under 50 |
| Race Not Available | 537 | 25.4% of 426 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 139 | 21.3% of 108 decided |
| Not Hispanic or Latino | 3,310 | 21.2% of 2,771 decided |
| Joint | withheld | |
| Ethnicity Not Available | 555 | 24.6% of 439 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 1,452 | 23.0% of 1,188 decided |
| Female | 1,008 | 25.6% of 844 decided |
| Joint | 1,351 | 16.7% of 1,139 decided |
| Sex Not Available | 291 | 25.4% of 228 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. 1576 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