Mortgage lending in Montcalm County, Michigan
Lenders in Montcalm County, Michigan reported 2,833 mortgage applications for 2025, according to the CFPB.
2,833 mortgage applications and 1,767 loans originated in 2025; the denial rate was 20.2% of 2,340 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: Montcalm County, MI HUD Metro FMR Area.
- 2,833
- Applications
- 1,767
- Loans originated
- 20.2%
- Denial rate
- 472 denied of 2,340 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 2,833 | 1,767 |
| 2024 | 2,428 | 1,506 |
| 2023 | 2,279 | 1,374 |
| 2022 | 2,984 | 1,918 |
| 2021 | 4,312 | 2,872 |
| 2020 | 3,706 | 2,464 |
| 2019 | 3,070 | 1,892 |
| 2018 | 2,812 | 1,682 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Lake Michigan Credit Union | 156 | 196 |
| Huntington National Bank | 117 | 194 |
| Rocket Mortgage | 112 | 162 |
| United Wholesale Mortgage | 109 | 147 |
| Fifth Third Bank, National Association | 77 | 137 |
| Isabella Bank | 73 | 91 |
| Independent Bank | 63 | 116 |
| Mortgage 1 Incorporated | 54 | 67 |
| Preferred Credit Union | 50 | 74 |
| Sidney State Bank | 49 | 61 |
| Mercantile Bank | 45 | 65 |
| American Pacific Mortgage Corporation | 39 | 47 |
| Guild Mortgage Company | 38 | 49 |
| Michigan One Community Credit Union | 34 | 42 |
| Success Mortgage Partners, Inc | 34 | 49 |
| Union Home Mortgage Corp. | 31 | 44 |
| GreenStone Farm Credit Services | 28 | 33 |
| MMS Mortgage Services, Ltd. | 25 | 29 |
| Mortgage Research Center | 24 | 56 |
| Crosscountry Mortgage, LLC | 23 | 36 |
| Freedom Mortgage Corporation | 21 | 35 |
| Consumers Credit Union | 17 | 21 |
| VanDyk Mortgage Corporation | 17 | 21 |
| Dart Bank | 14 | 20 |
| Churchill Mortgage Corporation | 14 | 15 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 13 | no rate: base under 50 |
| Asian | under 10 | |
| Black or African American | 14 | no rate: base under 50 |
| White | 2,424 | 19.7% of 2,002 decided |
| 2 or more minority races | under 10 | |
| Joint | 26 | no rate: base under 50 |
| Race Not Available | 351 | 24.7% of 292 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 66 | 31.5% of 54 decided |
| Not Hispanic or Latino | 2,354 | 19.7% of 1,955 decided |
| Joint | withheld | |
| Ethnicity Not Available | 361 | 21.9% of 292 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 1,127 | 21.7% of 903 decided |
| Female | 578 | 21.2% of 476 decided |
| Joint | 929 | 16.3% of 796 decided |
| Sex Not Available | 199 | 27.3% of 165 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. 1581 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