Mortgage lending in Genesee County, Michigan
Lenders in Genesee County, Michigan reported 14,751 mortgage applications for 2025, according to the CFPB.
14,751 mortgage applications and 8,751 loans originated in 2025; the denial rate was 22.1% of 11,860 applications decided. The median loan was about $145,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Flint, MI MSA.
- 14,751
- Applications
- 8,751
- Loans originated
- 22.1%
- Denial rate
- 2,622 denied of 11,860 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 14,751 | 8,751 |
| 2024 | 13,432 | 7,837 |
| 2023 | 12,644 | 7,259 |
| 2022 | 16,517 | 9,825 |
| 2021 | 25,060 | 16,557 |
| 2020 | 22,273 | 14,868 |
| 2019 | 16,589 | 10,564 |
| 2018 | 14,443 | 8,918 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Rocket Mortgage | 846 | 1,141 |
| United Wholesale Mortgage | 748 | 1,034 |
| Legacy Mortgage | 517 | 706 |
| Dort Financial Credit Union | 498 | 856 |
| Huntington National Bank | 449 | 985 |
| ELGA Credit Union | 354 | 515 |
| MORTGAGE300 Corporation | 263 | 326 |
| Genisys Credit Union | 263 | 385 |
| Lake Michigan Credit Union | 192 | 247 |
| Financial Plus Credit Union | 184 | 338 |
| BLG Holdings, LLC | 158 | 187 |
| Das Acquisition Company, LLC | 152 | 192 |
| Fifth Third Bank, National Association | 148 | 290 |
| First State Bank | 135 | 158 |
| JPMorgan Chase Bank, NA | 113 | 184 |
| Mortgage 1 Incorporated | 102 | 124 |
| Mortgage Research Center | 96 | 201 |
| Union Home Mortgage Corp. | 91 | 123 |
| Frankenmuth Credit Union | 85 | 88 |
| Pennymac Loan Services LLC | 85 | 151 |
| ChoiceOne Bank | 83 | 125 |
| Dart Bank | 82 | 123 |
| Freedom Mortgage Corporation | 80 | 192 |
| New American Funding, LLC. | 77 | 179 |
| Ross Mortgage Corporation | 71 | 82 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 80 | 27.4% of 62 decided |
| Asian | 125 | 26.7% of 105 decided |
| Black or African American | 1,443 | 36.3% of 1,082 decided |
| Native Hawaiian or Other Pacific Islander | 15 | no rate: base under 50 |
| White | 10,634 | 18.7% of 8,709 decided |
| 2 or more minority races | 36 | no rate: base under 50 |
| Joint | 154 | 20.2% of 124 decided |
| Race Not Available | 2,264 | 29.5% of 1,741 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 429 | 28.8% of 351 decided |
| Not Hispanic or Latino | 11,814 | 20.8% of 9,604 decided |
| Joint | withheld | |
| Ethnicity Not Available | 2,324 | 28.1% of 1,763 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 5,801 | 22.5% of 4,686 decided |
| Female | 3,813 | 27.0% of 3,042 decided |
| Joint | 3,856 | 15.6% of 3,197 decided |
| Sex Not Available | 1,281 | 26.5% of 935 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. 1996 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