Mortgage lending in Isabella County, Michigan
Lenders in Isabella County, Michigan reported 1,738 mortgage applications for 2025, according to the CFPB.
1,738 mortgage applications and 1,101 loans originated in 2025; the denial rate was 19.8% of 1,440 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: Isabella County, MI.
- 1,738
- Applications
- 1,101
- Loans originated
- 19.8%
- Denial rate
- 285 denied of 1,440 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 1,738 | 1,101 |
| 2024 | 1,579 | 957 |
| 2023 | 1,438 | 904 |
| 2022 | 1,976 | 1,259 |
| 2021 | 2,640 | 1,775 |
| 2020 | 2,459 | 1,634 |
| 2019 | 1,784 | 1,139 |
| 2018 | 1,688 | 1,056 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Isabella Bank | 220 | 296 |
| Mercantile Bank | 113 | 155 |
| Rocket Mortgage | 85 | 116 |
| Dart Bank | 57 | 84 |
| United Wholesale Mortgage | 47 | 67 |
| Huntington National Bank | 42 | 56 |
| Guild Mortgage Company | 37 | 47 |
| First Choice MH LLC | 36 | 47 |
| GreenStone Farm Credit Services | 24 | 28 |
| Members First Credit Union | 24 | 45 |
| Mortgage Research Center | 22 | 47 |
| Staunton Financial Inc | 20 | 21 |
| PNC Bank N.A. | 17 | 40 |
| Union Home Mortgage Corp. | 15 | 19 |
| Crosscountry Mortgage, LLC | 15 | 20 |
| Legacy Mortgage | 14 | 16 |
| Lake Michigan Credit Union | 12 | 15 |
| Guaranteed Rate, Inc. | 10 | 14 |
| Mortgage Center LC | 10 | 11 |
| Triad Financial Services, Inc. | 9 | 30 |
| 21ST Mortgage | 9 | 26 |
| Lake Trust Credit Union | 8 | 12 |
| Freedom Mortgage Corporation | 8 | 16 |
| First Community Mortgage, Inc. | 8 | 9 |
| Fifth Third Bank, National Association | 8 | 17 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 45 | no rate: base under 50 |
| Asian | 12 | no rate: base under 50 |
| Black or African American | 21 | no rate: base under 50 |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 1,414 | 18.1% of 1,188 decided |
| 2 or more minority races | under 10 | |
| Joint | 42 | no rate: base under 50 |
| Race Not Available | 202 | 24.8% of 149 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 50 | no rate: base under 50 |
| Not Hispanic or Latino | 1,448 | 18.7% of 1,216 decided |
| Joint | 19 | no rate: base under 50 |
| Ethnicity Not Available | 221 | 24.7% of 170 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 604 | 20.7% of 502 decided |
| Female | 427 | 22.8% of 360 decided |
| Joint | 595 | 16.4% of 499 decided |
| Sex Not Available | 112 | 21.5% of 79 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. 1999 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