Mortgage lending in Gladwin County, Michigan
Lenders in Gladwin County, Michigan reported 1,177 mortgage applications for 2025, according to the CFPB.
1,177 mortgage applications and 697 loans originated in 2025; the denial rate was 21.9% of 945 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: Gladwin County, MI.
- 1,177
- Applications
- 697
- Loans originated
- 21.9%
- Denial rate
- 207 denied of 945 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 1,177 | 697 |
| 2024 | 1,060 | 606 |
| 2023 | 924 | 533 |
| 2022 | 1,383 | 822 |
| 2021 | 1,915 | 1,196 |
| 2020 | 1,617 | 981 |
| 2019 | 1,324 | 765 |
| 2018 | 1,234 | 688 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Rocket Mortgage | 96 | 137 |
| Huntington National Bank | 78 | 126 |
| United Wholesale Mortgage | 51 | 72 |
| Staunton Financial Inc | 26 | 28 |
| Members First Credit Union | 21 | 43 |
| Mortgage Research Center | 19 | 40 |
| PNC Bank N.A. | 19 | 43 |
| Mercantile Bank | 16 | 26 |
| Freedom Mortgage Corporation | 15 | 26 |
| Dow Credit Union | 14 | 25 |
| First Community Mortgage, Inc. | 14 | 15 |
| GreenStone Farm Credit Services | 13 | 14 |
| Frankenmuth Credit Union | 10 | 13 |
| Dart Bank | 10 | 15 |
| Union Home Mortgage Corp. | 10 | 13 |
| Wildfire Credit Union | 9 | 11 |
| Guaranteed Rate, Inc. | 9 | 14 |
| JPMorgan Chase Bank, NA | 9 | 15 |
| GVC Mortgage, Inc. | 8 | 11 |
| Nationstar Mortgage | 8 | 11 |
| Navy Federal Credit Union | 7 | 13 |
| Isabella Bank | 7 | 13 |
| United Bay Community Cu | 6 | 6 |
| Legacy Mortgage | 6 | 8 |
| Credit Union One | 6 | 11 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | under 10 | |
| Asian | under 10 | |
| Black or African American | under 10 | |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 1,010 | 21.1% of 820 decided |
| Joint | under 10 | |
| Race Not Available | 150 | 27.5% of 109 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | withheld | |
| Not Hispanic or Latino | 973 | 20.7% of 792 decided |
| Joint | under 10 | |
| Ethnicity Not Available | 184 | 27.3% of 139 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 469 | 21.9% of 369 decided |
| Female | 216 | 24.0% of 179 decided |
| Joint | 382 | 17.5% of 319 decided |
| Sex Not Available | 110 | 34.6% of 78 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. 1997 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