Mortgage lending in Lapeer County, Michigan
Lenders in Lapeer County, Michigan reported 3,659 mortgage applications for 2025, according to the CFPB.
3,659 mortgage applications and 2,268 loans originated in 2025; the denial rate was 20.3% of 3,005 applications decided. The median loan was about $185,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Detroit-Warren-Livonia, MI HUD Metro FMR Area.
- 3,659
- Applications
- 2,268
- Loans originated
- 20.3%
- Denial rate
- 610 denied of 3,005 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 3,659 | 2,268 |
| 2024 | 3,250 | 1,991 |
| 2023 | 2,945 | 1,792 |
| 2022 | 4,230 | 2,638 |
| 2021 | 6,853 | 4,671 |
| 2020 | 6,511 | 4,363 |
| 2019 | 4,644 | 2,920 |
| 2018 | 4,067 | 2,499 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Rocket Mortgage | 244 | 316 |
| United Wholesale Mortgage | 220 | 290 |
| PNC Bank N.A. | 121 | 177 |
| ChoiceOne Bank | 86 | 144 |
| Genisys Credit Union | 79 | 116 |
| Dort Financial Credit Union | 77 | 123 |
| Huntington National Bank | 75 | 110 |
| MORTGAGE300 Corporation | 63 | 73 |
| ELGA Credit Union | 57 | 77 |
| Lake Michigan Credit Union | 54 | 67 |
| Security Credit Union | 51 | 78 |
| Mortgage 1 Incorporated | 47 | 62 |
| Legacy Mortgage | 45 | 56 |
| Union Home Mortgage Corp. | 43 | 59 |
| Michigan Schools and Governmen | 40 | 64 |
| JPMorgan Chase Bank, NA | 39 | 61 |
| Dart Bank | 29 | 42 |
| First State Bank | 28 | 31 |
| BLG Holdings, LLC | 27 | 31 |
| GreenStone Farm Credit Services | 26 | 30 |
| Freedom Mortgage Corporation | 24 | 40 |
| Citizens Bank, NA | 23 | 46 |
| First Choice MH LLC | 22 | 22 |
| Credit Union One | 21 | 36 |
| Plaza Home Mortgage, Inc | 21 | 27 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 15 | no rate: base under 50 |
| Asian | 16 | no rate: base under 50 |
| Black or African American | 17 | no rate: base under 50 |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 3,055 | 19.1% of 2,532 decided |
| 2 or more minority races | under 10 | |
| Joint | 29 | no rate: base under 50 |
| Race Not Available | 520 | 26.7% of 401 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 80 | 23.5% of 68 decided |
| Not Hispanic or Latino | 2,936 | 19.0% of 2,437 decided |
| Joint | 38 | no rate: base under 50 |
| Ethnicity Not Available | 605 | 27.2% of 467 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 1,510 | 19.6% of 1,230 decided |
| Female | 676 | 24.6% of 573 decided |
| Joint | 1,171 | 16.5% of 987 decided |
| Sex Not Available | 302 | 30.2% of 215 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. 1260 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