Mortgage lending in Midland County, Michigan
Lenders in Midland County, Michigan reported 2,650 mortgage applications for 2025, according to the CFPB.
2,650 mortgage applications and 1,716 loans originated in 2025; the denial rate was 17.5% of 2,173 applications decided. The median loan was about $175,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Midland, MI MSA.
- 2,650
- Applications
- 1,716
- Loans originated
- 17.5%
- Denial rate
- 380 denied of 2,173 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 2,650 | 1,716 |
| 2024 | 2,545 | 1,639 |
| 2023 | 2,345 | 1,546 |
| 2022 | 3,499 | 2,335 |
| 2021 | 5,393 | 3,675 |
| 2020 | 5,075 | 3,404 |
| 2019 | 3,399 | 2,281 |
| 2018 | 3,188 | 2,130 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Rocket Mortgage | 176 | 242 |
| United Wholesale Mortgage | 157 | 186 |
| Dow Credit Union | 128 | 206 |
| Huntington National Bank | 118 | 195 |
| Staunton Financial Inc | 87 | 93 |
| Isabella Bank | 86 | 117 |
| First Community Mortgage, Inc. | 60 | 72 |
| Wildfire Credit Union | 51 | 69 |
| Members First Credit Union | 48 | 78 |
| Frankenmuth Credit Union | 40 | 44 |
| Mortgage Research Center | 40 | 68 |
| Guaranteed Rate, Inc. | 36 | 66 |
| Dart Bank | 28 | 34 |
| Horizon Bank | 27 | 35 |
| Fifth Third Bank, National Association | 26 | 38 |
| Freedom Mortgage Corporation | 22 | 44 |
| Das Acquisition Company, LLC | 18 | 23 |
| Pennymac Loan Services LLC | 18 | 34 |
| 1ST State Bank | 17 | 23 |
| Independent Bank | 16 | 23 |
| Navy Federal Credit Union | 16 | 24 |
| Credit Union One | 16 | 25 |
| Lake Michigan Credit Union | 16 | 27 |
| Mercantile Bank | 15 | 22 |
| Figure Lending LLC | 13 | 27 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 18 | no rate: base under 50 |
| Asian | 48 | no rate: base under 50 |
| Black or African American | 28 | no rate: base under 50 |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 2,096 | 17.4% of 1,739 decided |
| 2 or more minority races | under 10 | |
| Joint | 49 | no rate: base under 50 |
| Race Not Available | 407 | 16.9% of 320 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 57 | no rate: base under 50 |
| Not Hispanic or Latino | 2,126 | 17.0% of 1,760 decided |
| Joint | withheld | |
| Ethnicity Not Available | 438 | 19.8% of 344 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 980 | 20.1% of 790 decided |
| Female | 552 | 21.7% of 443 decided |
| Joint | 880 | 12.6% of 752 decided |
| Sex Not Available | 238 | 16.0% of 188 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. 1419 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