Mortgage lending in Kalkaska County, Michigan
Lenders in Kalkaska County, Michigan reported 821 mortgage applications for 2025, according to the CFPB.
821 mortgage applications and 476 loans originated in 2025; the denial rate was 25.0% of 660 applications decided. The median loan was about $195,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Kalkaska County, MI HUD Metro FMR Area.
- 821
- Applications
- 476
- Loans originated
- 25.0%
- Denial rate
- 165 denied of 660 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 821 | 476 |
| 2024 | 716 | 434 |
| 2023 | 548 | 287 |
| 2022 | 779 | 463 |
| 2021 | 1,024 | 694 |
| 2020 | 945 | 632 |
| 2019 | 732 | 429 |
| 2018 | 671 | 397 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Rocket Mortgage | 60 | 84 |
| United Wholesale Mortgage | 59 | 76 |
| Huntington National Bank | 47 | 83 |
| 4FRONT Credit Union | 36 | 71 |
| Lake Michigan Credit Union | 24 | 34 |
| Credit Union One | 18 | 23 |
| GreenStone Farm Credit Services | 13 | 15 |
| Fifth Third Bank, National Association | 11 | 28 |
| loanDepot.com LLC | 8 | 17 |
| Mortgage Research Center | 8 | 18 |
| Msu Federal Credit Union | 7 | 10 |
| JPMorgan Chase Bank, NA | 7 | 8 |
| Nationstar Mortgage | 6 | 10 |
| Calcon Mutual Mortgage LLC | 6 | 10 |
| Union Home Mortgage Corp. | 6 | 7 |
| State Savings Bank | 6 | 6 |
| Independent Bank | 5 | 13 |
| Newrez LLC | 5 | 21 |
| Dart Bank | 4 | 5 |
| Mercantile Bank | 4 | 7 |
| Pennymac Loan Services LLC | 4 | 9 |
| Legacy Mortgage | 3 | 4 |
| Zillow Home Loans, LLC | 3 | 3 |
| Navy Federal Credit Union | 3 | 4 |
| New American Funding, LLC. | 3 | 10 |
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 | |
| White | 696 | 24.8% of 561 decided |
| Joint | 15 | no rate: base under 50 |
| Race Not Available | 95 | 26.0% of 73 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 14 | no rate: base under 50 |
| Not Hispanic or Latino | 685 | 24.7% of 555 decided |
| Joint | 10 | no rate: base under 50 |
| Ethnicity Not Available | 112 | 26.7% of 86 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 343 | 26.7% of 273 decided |
| Female | 152 | 33.6% of 122 decided |
| Joint | 261 | 18.4% of 218 decided |
| Sex Not Available | 65 | 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. 1143 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