Mortgage lending in Livingston County, Michigan
Lenders in Livingston County, Michigan reported 8,636 mortgage applications for 2025, according to the CFPB.
8,636 mortgage applications and 5,580 loans originated in 2025; the denial rate was 18.6% of 7,293 applications decided. The median loan was about $225,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Livingston County, MI HUD Metro FMR Area.
- 8,636
- Applications
- 5,580
- Loans originated
- 18.6%
- Denial rate
- 1,357 denied of 7,293 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 8,636 | 5,580 |
| 2024 | 7,959 | 4,916 |
| 2023 | 7,089 | 4,478 |
| 2022 | 10,239 | 6,502 |
| 2021 | 19,475 | 13,755 |
| 2020 | 21,117 | 14,999 |
| 2019 | 13,526 | 9,147 |
| 2018 | 11,343 | 7,219 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Rocket Mortgage | 599 | 758 |
| United Wholesale Mortgage | 500 | 620 |
| Huntington National Bank | 289 | 494 |
| Lake Michigan Credit Union | 235 | 289 |
| Loc Credit Union | 218 | 311 |
| DFCU Financial | 151 | 199 |
| Mortgage Center LC | 150 | 192 |
| Dart Bank | 122 | 148 |
| Fifth Third Bank, National Association | 118 | 199 |
| Lake Trust Credit Union | 117 | 197 |
| PNC Bank N.A. | 117 | 166 |
| Union Home Mortgage Corp. | 115 | 156 |
| Citizens Bank, NA | 107 | 157 |
| Staunton Financial Inc | 103 | 125 |
| JPMorgan Chase Bank, NA | 83 | 119 |
| Msu Federal Credit Union | 80 | 114 |
| Bank of America NA | 71 | 144 |
| Genisys Credit Union | 67 | 94 |
| Crosscountry Mortgage, LLC | 62 | 99 |
| Community Financial | 61 | 79 |
| Mortgage 1 Incorporated | 59 | 78 |
| Gold Star Mortgage Financial Group, Corporation | 55 | 70 |
| Nationstar Mortgage | 55 | 85 |
| Flagstar Bank NA | 55 | 100 |
| First Merchants Bank | 53 | 75 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 25 | no rate: base under 50 |
| Asian | 63 | 9.8% of 51 decided |
| Black or African American | 37 | no rate: base under 50 |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 7,143 | 17.2% of 6,086 decided |
| 2 or more minority races | under 10 | |
| Joint | 110 | 20.2% of 89 decided |
| Race Not Available | 1,243 | 25.9% of 1,005 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 135 | 22.9% of 122 decided |
| Not Hispanic or Latino | 7,072 | 17.9% of 6,014 decided |
| Joint | withheld | |
| Ethnicity Not Available | 1,313 | 21.8% of 1,057 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 3,121 | 19.7% of 2,640 decided |
| Female | 1,610 | 23.9% of 1,356 decided |
| Joint | 3,252 | 14.1% of 2,791 decided |
| Sex Not Available | 653 | 23.5% of 506 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. 765 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