Mortgage lending in Emmet County, Michigan
Lenders in Emmet County, Michigan reported 1,272 mortgage applications for 2025, according to the CFPB.
1,272 mortgage applications and 777 loans originated in 2025; the denial rate was 19.5% of 1,000 applications decided. The median loan was about $245,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Emmet County, MI.
- 1,272
- Applications
- 777
- Loans originated
- 19.5%
- Denial rate
- 195 denied of 1,000 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 1,272 | 777 |
| 2024 | 1,119 | 672 |
| 2023 | 935 | 540 |
| 2022 | 1,373 | 821 |
| 2021 | 2,326 | 1,517 |
| 2020 | 2,343 | 1,493 |
| 2019 | 1,629 | 1,063 |
| 2018 | 1,444 | 914 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Mercantile Bank | 156 | 205 |
| 4FRONT Credit Union | 70 | 102 |
| Rocket Mortgage | 60 | 92 |
| Huntington National Bank | 54 | 99 |
| United Wholesale Mortgage | 39 | 63 |
| Lake Michigan Credit Union | 27 | 36 |
| Community Financial | 24 | 26 |
| JPMorgan Chase Bank, NA | 22 | 37 |
| Fifth Third Bank, National Association | 22 | 48 |
| PNC Bank N.A. | 14 | 23 |
| First Community Bank | 12 | 14 |
| Newrez LLC | 11 | 32 |
| Figure Lending LLC | 10 | 15 |
| Mortgage Research Center | 9 | 19 |
| Union Home Mortgage Corp. | 9 | 10 |
| Msu Federal Credit Union | 8 | 11 |
| Dart Bank | 6 | 8 |
| Mutual of Omaha Mortgage | 6 | 7 |
| Guaranteed Rate, Inc. | 6 | 10 |
| Nicolet National Bank | 5 | 6 |
| Navy Federal Credit Union | 5 | 13 |
| Morgan Stanley Private Bank NA | 5 | 6 |
| Longbridge Financial, LLC | 5 | 5 |
| Calcon Mutual Mortgage LLC | 5 | 7 |
| Stockton Mortgage Corporation | 5 | 9 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 26 | no rate: base under 50 |
| Asian | under 10 | |
| Black or African American | under 10 | |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 1,030 | 18.3% of 825 decided |
| 2 or more minority races | under 10 | |
| Joint | 29 | no rate: base under 50 |
| Race Not Available | 172 | 26.0% of 123 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 12 | no rate: base under 50 |
| Not Hispanic or Latino | 1,063 | 19.1% of 845 decided |
| Joint | 12 | no rate: base under 50 |
| Ethnicity Not Available | 185 | 21.5% of 135 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 406 | 23.4% of 308 decided |
| Female | 251 | 18.9% of 201 decided |
| Joint | 504 | 15.3% of 411 decided |
| Sex Not Available | 111 | 27.5% of 80 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. 610 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