Mortgage lending in Gratiot County, Michigan
Lenders in Gratiot County, Michigan reported 1,213 mortgage applications for 2025, according to the CFPB.
1,213 mortgage applications and 687 loans originated in 2025; the denial rate was 26.4% of 986 applications decided. The median loan was about $135,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Gratiot County, MI.
- 1,213
- Applications
- 687
- Loans originated
- 26.4%
- Denial rate
- 260 denied of 986 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 1,213 | 687 |
| 2024 | 1,061 | 624 |
| 2023 | 1,052 | 580 |
| 2022 | 1,280 | 803 |
| 2021 | 1,757 | 1,209 |
| 2020 | 1,605 | 1,043 |
| 2019 | 1,162 | 721 |
| 2018 | 1,071 | 677 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Mercantile Bank | 74 | 101 |
| Rocket Mortgage | 72 | 107 |
| Isabella Bank | 47 | 60 |
| Crosscountry Mortgage, LLC | 39 | 52 |
| Huntington National Bank | 38 | 75 |
| Legacy Mortgage | 21 | 33 |
| United Wholesale Mortgage | 17 | 27 |
| Dart Bank | 16 | 22 |
| GreenStone Farm Credit Services | 15 | 19 |
| Union Home Mortgage Corp. | 15 | 19 |
| Guild Mortgage Company | 14 | 20 |
| Mortgage Research Center | 14 | 28 |
| Michigan One Community Credit Union | 12 | 16 |
| MMS Mortgage Services, Ltd. | 12 | 13 |
| Fifth Third Bank, National Association | 12 | 23 |
| Msu Federal Credit Union | 11 | 14 |
| Commercial Bank | 11 | 24 |
| Pennymac Loan Services LLC | 11 | 21 |
| Triad Financial Services, Inc. | 10 | 68 |
| Staunton Financial Inc | 10 | 12 |
| Guaranteed Rate, Inc. | 10 | 13 |
| PNC Bank N.A. | 8 | 12 |
| Frankenmuth Credit Union | 7 | 7 |
| New American Funding, LLC. | 7 | 20 |
| Dow Credit Union | 7 | 12 |
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 | 1,035 | 24.7% of 849 decided |
| Joint | 14 | no rate: base under 50 |
| Race Not Available | 148 | 38.6% of 114 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 49 | no rate: base under 50 |
| Not Hispanic or Latino | 1,017 | 25.7% of 836 decided |
| Joint | 23 | no rate: base under 50 |
| Ethnicity Not Available | 124 | 30.1% of 93 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 470 | 26.3% of 376 decided |
| Female | 306 | 28.3% of 261 decided |
| Joint | 371 | 23.8% of 303 decided |
| Sex Not Available | 66 | no rate: base under 50 |
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. 2179 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