Mortgage lending in Monroe County, Michigan
Lenders in Monroe County, Michigan reported 6,763 mortgage applications for 2025, according to the CFPB.
6,763 mortgage applications and 4,125 loans originated in 2025; the denial rate was 23.1% of 5,664 applications decided. The median loan was about $165,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Monroe, MI MSA.
- 6,763
- Applications
- 4,125
- Loans originated
- 23.1%
- Denial rate
- 1,310 denied of 5,664 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 6,763 | 4,125 |
| 2024 | 5,957 | 3,514 |
| 2023 | 5,306 | 3,171 |
| 2022 | 7,487 | 4,544 |
| 2021 | 12,454 | 8,200 |
| 2020 | 11,565 | 7,667 |
| 2019 | 8,010 | 5,038 |
| 2018 | 7,207 | 4,490 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Rocket Mortgage | 462 | 621 |
| Huntington National Bank | 304 | 518 |
| American Financial Network, Inc. | 283 | 346 |
| United Wholesale Mortgage | 233 | 320 |
| First Merchants Bank | 214 | 342 |
| Fifth Third Bank, National Association | 187 | 314 |
| Monroe Community Credit Union | 164 | 182 |
| Union Home Mortgage Corp. | 154 | 214 |
| Directions Credit Union | 130 | 159 |
| Crosscountry Mortgage, LLC | 85 | 122 |
| Citizens Bank, NA | 76 | 121 |
| DFCU Financial | 69 | 84 |
| PNC Bank N.A. | 64 | 110 |
| Keybank National Association | 59 | 83 |
| Triad Financial Services, Inc. | 58 | 219 |
| Mortgage 1 Incorporated | 53 | 69 |
| 21ST Mortgage | 52 | 226 |
| Newrez LLC | 48 | 117 |
| loanDepot.com LLC | 43 | 65 |
| TLC Community Credit Union | 43 | 58 |
| Mortgage Research Center | 41 | 99 |
| Nationstar Mortgage | 41 | 56 |
| GreenStone Farm Credit Services | 38 | 47 |
| Freedom Mortgage Corporation | 38 | 87 |
| Equity Resources Inc | 36 | 57 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 31 | no rate: base under 50 |
| Asian | 43 | no rate: base under 50 |
| Black or African American | 142 | 43.1% of 116 decided |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 5,617 | 20.9% of 4,735 decided |
| 2 or more minority races | under 10 | |
| Joint | 53 | no rate: base under 50 |
| Race Not Available | 870 | 34.1% of 704 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 153 | 27.7% of 119 decided |
| Not Hispanic or Latino | 5,675 | 22.4% of 4,798 decided |
| Joint | withheld | |
| Ethnicity Not Available | 833 | 26.9% of 658 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 2,762 | 22.9% of 2,294 decided |
| Female | 1,478 | 30.8% of 1,251 decided |
| Joint | 2,109 | 16.9% of 1,813 decided |
| Sex Not Available | 414 | 30.4% of 306 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. 1580 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