Mortgage lending in Houghton County, Michigan
Lenders in Houghton County, Michigan reported 782 mortgage applications for 2025, according to the CFPB.
782 mortgage applications and 521 loans originated in 2025; the denial rate was 16.9% of 656 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: Houghton County, MI.
- 782
- Applications
- 521
- Loans originated
- 16.9%
- Denial rate
- 111 denied of 656 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 782 | 521 |
| 2024 | 655 | 424 |
| 2023 | 598 | 422 |
| 2022 | 783 | 583 |
| 2021 | 1,188 | 863 |
| 2020 | 1,063 | 797 |
| 2019 | 532 | 307 |
| 2018 | 511 | 300 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Superior National Bank | 102 | 111 |
| Range Bank | 96 | 108 |
| Rocket Mortgage | 52 | 82 |
| Incrediblebank | 43 | 54 |
| Huntington National Bank | 25 | 55 |
| Flagstar Bank NA | 17 | 31 |
| Mortgage Research Center | 16 | 30 |
| United Wholesale Mortgage | 11 | 15 |
| Coastal Community Bank | 6 | 11 |
| JPMorgan Chase Bank, NA | 6 | 12 |
| Figure Lending LLC | 5 | 11 |
| Nationstar Mortgage | 5 | 5 |
| Lake Michigan Credit Union | 5 | 6 |
| loanDepot.com LLC | 4 | 10 |
| Lakeview Loan Servicing, LLC | 4 | 4 |
| Mutual of Omaha Mortgage | 4 | 5 |
| Crosscountry Mortgage, LLC | 4 | 5 |
| Amerisave Mortgage Company | 4 | 9 |
| Usaa Federal Savings Bank | 4 | 8 |
| Honor Credit Union | 3 | 4 |
| Navy Federal Credit Union | 3 | 6 |
| GreenStone Farm Credit Services | 3 | 3 |
| Newrez LLC | 3 | 9 |
| Freedom Mortgage Corporation | 3 | 8 |
| Guaranteed Rate, Inc. | 3 | 6 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | under 10 | |
| Asian | 10 | no rate: base under 50 |
| Black or African American | under 10 | |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 652 | 15.3% of 536 decided |
| Joint | under 10 | |
| Race Not Available | 109 | 25.2% of 103 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | withheld | |
| Not Hispanic or Latino | 653 | 15.9% of 541 decided |
| Joint | under 10 | |
| Ethnicity Not Available | 111 | 23.8% of 101 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 296 | 15.9% of 239 decided |
| Female | 146 | 21.5% of 121 decided |
| Joint | 260 | 12.7% of 221 decided |
| Sex Not Available | 80 | 25.3% of 75 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. 2180 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