Mortgage lending in Ingham County, Michigan
Lenders in Ingham County, Michigan reported 9,233 mortgage applications for 2025, according to the CFPB.
9,233 mortgage applications and 5,496 loans originated in 2025; the denial rate was 22.1% of 7,574 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: Lansing-East Lansing, MI MSA.
- 9,233
- Applications
- 5,496
- Loans originated
- 22.1%
- Denial rate
- 1,671 denied of 7,574 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 9,233 | 5,496 |
| 2024 | 8,009 | 4,854 |
| 2023 | 7,695 | 4,587 |
| 2022 | 10,579 | 6,681 |
| 2021 | 16,635 | 11,163 |
| 2020 | 15,652 | 10,543 |
| 2019 | 11,057 | 7,329 |
| 2018 | 9,755 | 6,426 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Msu Federal Credit Union | 742 | 1,157 |
| Dart Bank | 545 | 757 |
| Rocket Mortgage | 454 | 639 |
| Union Home Mortgage Corp. | 359 | 442 |
| United Wholesale Mortgage | 332 | 466 |
| Flagstar Bank NA | 200 | 397 |
| Fifth Third Bank, National Association | 171 | 289 |
| Huntington National Bank | 160 | 279 |
| CASE Credit Union | 83 | 116 |
| PNC Bank N.A. | 82 | 133 |
| Independent Bank | 71 | 108 |
| Lake Trust Credit Union | 70 | 117 |
| Lake Michigan Credit Union | 70 | 95 |
| Lafcu | 65 | 99 |
| Mortgage Center LC | 64 | 92 |
| Crosscountry Mortgage, LLC | 63 | 99 |
| Mortgage Research Center | 60 | 123 |
| DFCU Financial | 60 | 110 |
| JPMorgan Chase Bank, NA | 56 | 88 |
| Consumers Credit Union | 55 | 72 |
| Northpointe Bank | 49 | 87 |
| Everett Financial, Inc. | 49 | 77 |
| VanDyk Mortgage Corporation | 46 | 50 |
| Nationstar Mortgage | 45 | 66 |
| Adventure Credit Union | 43 | 71 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 65 | 41.4% of 58 decided |
| Asian | 387 | 21.2% of 302 decided |
| Black or African American | 713 | 36.0% of 577 decided |
| Native Hawaiian or Other Pacific Islander | 12 | no rate: base under 50 |
| White | 6,423 | 19.4% of 5,377 decided |
| 2 or more minority races | 20 | no rate: base under 50 |
| Joint | 231 | 18.3% of 191 decided |
| Race Not Available | 1,382 | 27.5% of 1,041 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 518 | 29.2% of 431 decided |
| Not Hispanic or Latino | 7,221 | 21.1% of 6,010 decided |
| Joint | withheld | |
| Ethnicity Not Available | 1,302 | 24.9% of 972 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 3,415 | 23.8% of 2,795 decided |
| Female | 2,597 | 25.3% of 2,157 decided |
| Joint | 2,444 | 15.3% of 2,073 decided |
| Sex Not Available | 777 | 26.2% of 549 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. 1998 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