Mortgage lending in Lake County, Michigan
Lenders in Lake County, Michigan reported 586 mortgage applications for 2025, according to the CFPB.
586 mortgage applications and 336 loans originated in 2025; the denial rate was 24.9% of 465 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: Lake County, MI.
- 586
- Applications
- 336
- Loans originated
- 24.9%
- Denial rate
- 116 denied of 465 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 586 | 336 |
| 2024 | 513 | 284 |
| 2023 | 448 | 245 |
| 2022 | 585 | 339 |
| 2021 | 709 | 428 |
| 2020 | 659 | 398 |
| 2019 | 517 | 313 |
| 2018 | 500 | 292 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Huntington National Bank | 29 | 41 |
| Rocket Mortgage | 28 | 46 |
| Lake Michigan Credit Union | 27 | 33 |
| United Wholesale Mortgage | 21 | 37 |
| Union Home Mortgage Corp. | 17 | 28 |
| Fifth Third Bank, National Association | 14 | 26 |
| Mortgage 1 Incorporated | 11 | 11 |
| Consumers Credit Union | 8 | 10 |
| GreenStone Farm Credit Services | 7 | 10 |
| Success Mortgage Partners, Inc | 7 | 8 |
| Honor Credit Union | 6 | 6 |
| Mortgage Research Center | 6 | 12 |
| Mercantile Bank | 6 | 9 |
| Legacy Mortgage | 5 | 5 |
| American Pacific Mortgage Corporation | 5 | 7 |
| Nationstar Mortgage | 5 | 5 |
| Freedom Mortgage Corporation | 5 | 7 |
| Independent Bank | 4 | 8 |
| Arbor Financial Credit Union | 4 | 5 |
| United Federal Credit Union | 4 | 6 |
| First Community Mortgage, Inc. | 4 | 4 |
| 1ST Source Bank | 4 | 5 |
| Wmcu | 3 | 10 |
| loanDepot.com LLC | 3 | 6 |
| Guild Mortgage Company | 3 | 3 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | under 10 | |
| Black or African American | 25 | no rate: base under 50 |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 466 | 22.3% of 376 decided |
| Joint | under 10 | |
| Race Not Available | 87 | 35.8% of 67 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | withheld | |
| Not Hispanic or Latino | 482 | 22.4% of 384 decided |
| Joint | under 10 | |
| Ethnicity Not Available | 91 | 33.8% of 71 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 223 | 25.7% of 183 decided |
| Female | 128 | 28.6% of 105 decided |
| Joint | 184 | 16.3% of 141 decided |
| Sex Not Available | 51 | 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. 2000 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