Mortgage lending in Kent County, Michigan
Lenders in Kent County, Michigan reported 26,214 mortgage applications for 2025, according to the CFPB.
26,214 mortgage applications and 16,640 loans originated in 2025; the denial rate was 19.5% of 21,799 applications decided. The median loan was about $205,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Grand Rapids-Wyoming, MI HUD Metro FMR Area.
- 26,214
- Applications
- 16,640
- Loans originated
- 19.5%
- Denial rate
- 4,247 denied of 21,799 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 26,214 | 16,640 |
| 2024 | 23,744 | 15,045 |
| 2023 | 22,681 | 14,293 |
| 2022 | 31,478 | 20,719 |
| 2021 | 51,359 | 35,995 |
| 2020 | 51,990 | 36,480 |
| 2019 | 36,550 | 24,817 |
| 2018 | 31,284 | 20,857 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Lake Michigan Credit Union | 4,249 | 5,447 |
| Fifth Third Bank, National Association | 992 | 1,693 |
| Huntington National Bank | 915 | 1,616 |
| United Wholesale Mortgage | 881 | 1,137 |
| Rocket Mortgage | 839 | 1,131 |
| Mercantile Bank | 489 | 686 |
| Consumers Credit Union | 480 | 695 |
| Old National Bank | 411 | 511 |
| Independent Bank | 333 | 451 |
| Mortgage 1 Incorporated | 226 | 263 |
| Northpointe Bank | 213 | 330 |
| Northern Mortgage Services, LLC | 212 | 256 |
| Guild Mortgage Company | 201 | 256 |
| Adventure Credit Union | 196 | 253 |
| JPMorgan Chase Bank, NA | 179 | 298 |
| ChoiceOne Bank | 159 | 233 |
| Ark-LA-Tex Financial Services LLC | 155 | 178 |
| Triad Financial Services, Inc. | 155 | 760 |
| American Pacific Mortgage Corporation | 155 | 205 |
| 21ST Mortgage | 147 | 685 |
| Churchill Mortgage Corporation | 145 | 181 |
| DFCU Financial | 143 | 205 |
| PNC Bank N.A. | 139 | 222 |
| Dart Bank | 124 | 177 |
| Nationstar Mortgage | 122 | 167 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 148 | 35.9% of 117 decided |
| Asian | 725 | 20.9% of 575 decided |
| Black or African American | 1,575 | 38.1% of 1,288 decided |
| Native Hawaiian or Other Pacific Islander | 59 | no rate: base under 50 |
| White | 18,770 | 15.8% of 15,793 decided |
| 2 or more minority races | withheld | |
| Joint | 512 | 13.2% of 431 decided |
| Free Form Text Only | under 10 | |
| Race Not Available | 4,386 | 28.5% of 3,515 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 1,899 | 33.1% of 1,530 decided |
| Not Hispanic or Latino | 19,948 | 17.5% of 16,801 decided |
| Joint | withheld | |
| Ethnicity Not Available | 3,878 | 23.9% of 3,057 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 8,920 | 21.2% of 7,326 decided |
| Female | 5,876 | 25.1% of 4,890 decided |
| Joint | 9,278 | 13.3% of 7,947 decided |
| Sex Not Available | 2,140 | 25.2% of 1,636 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. 1010 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