Mortgage lending in Grand Traverse County, Michigan
Lenders in Grand Traverse County, Michigan reported 4,101 mortgage applications for 2025, according to the CFPB.
4,101 mortgage applications and 2,514 loans originated in 2025; the denial rate was 20.1% of 3,324 applications decided. The median loan was about $235,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Grand Traverse County, MI HUD Metro FMR Area.
- 4,101
- Applications
- 2,514
- Loans originated
- 20.1%
- Denial rate
- 668 denied of 3,324 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 4,101 | 2,514 |
| 2024 | 3,561 | 2,199 |
| 2023 | 3,182 | 1,941 |
| 2022 | 4,490 | 2,778 |
| 2021 | 7,116 | 4,821 |
| 2020 | 7,132 | 4,862 |
| 2019 | 5,106 | 3,390 |
| 2018 | 4,292 | 2,821 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| United Wholesale Mortgage | 306 | 375 |
| Lake Michigan Credit Union | 242 | 315 |
| Huntington National Bank | 240 | 395 |
| Rocket Mortgage | 153 | 206 |
| Fifth Third Bank, National Association | 139 | 229 |
| 4FRONT Credit Union | 113 | 196 |
| Independent Bank | 103 | 135 |
| Credit Union One | 101 | 147 |
| Msu Federal Credit Union | 64 | 100 |
| JPMorgan Chase Bank, NA | 44 | 73 |
| Calcon Mutual Mortgage LLC | 39 | 62 |
| West Shore Bank | 38 | 44 |
| Genisys Credit Union | 37 | 43 |
| Mercantile Bank | 36 | 55 |
| Triad Financial Services, Inc. | 34 | 168 |
| Honor Bank | 29 | 44 |
| Newrez LLC | 28 | 76 |
| Guaranteed Rate, Inc. | 28 | 46 |
| 21ST Mortgage | 24 | 74 |
| State Savings Bank | 24 | 33 |
| Zippy Loans, LLC | 23 | 44 |
| Figure Lending LLC | 22 | 43 |
| PNC Bank N.A. | 22 | 36 |
| loanDepot.com LLC | 21 | 30 |
| Union Home Mortgage Corp. | 20 | 30 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 38 | no rate: base under 50 |
| Asian | 49 | no rate: base under 50 |
| Black or African American | under 10 | |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 3,340 | 18.2% of 2,747 decided |
| 2 or more minority races | under 10 | |
| Joint | 72 | 18.5% of 54 decided |
| Race Not Available | 594 | 29.4% of 449 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 82 | 30.4% of 69 decided |
| Not Hispanic or Latino | 3,388 | 19.6% of 2,781 decided |
| Joint | withheld | |
| Ethnicity Not Available | 570 | 20.3% of 423 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 1,228 | 22.7% of 996 decided |
| Female | 859 | 27.1% of 691 decided |
| Joint | 1,654 | 14.6% of 1,382 decided |
| Sex Not Available | 360 | 20.8% of 255 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. 690 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