Mortgage lending in Montmorency County, Michigan
Lenders in Montmorency County, Michigan reported 493 mortgage applications for 2025, according to the CFPB.
493 mortgage applications and 316 loans originated in 2025; the denial rate was 20.4% of 422 applications decided. The median loan was about $125,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Montmorency County, MI.
- 493
- Applications
- 316
- Loans originated
- 20.4%
- Denial rate
- 86 denied of 422 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 493 | 316 |
| 2024 | 435 | 265 |
| 2023 | 430 | 262 |
| 2022 | 548 | 321 |
| 2021 | 678 | 455 |
| 2020 | 638 | 426 |
| 2019 | 444 | 293 |
| 2018 | 427 | 282 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Community Financial | 70 | 104 |
| Rocket Mortgage | 29 | 37 |
| United Wholesale Mortgage | 27 | 37 |
| Huntington National Bank | 23 | 42 |
| Nicolet National Bank | 11 | 12 |
| Mortgage Research Center | 11 | 25 |
| GreenStone Farm Credit Services | 7 | 8 |
| Ruoff Mortgage Company | 6 | 6 |
| Mortgage 1 Incorporated | 6 | 7 |
| PNC Bank N.A. | 6 | 9 |
| Lake Michigan Credit Union | 5 | 6 |
| State Savings Bank | 5 | 5 |
| Fifth Third Bank, National Association | 5 | 7 |
| Genisys Credit Union | 4 | 5 |
| Carrington Mortgage Services LLC | 4 | 4 |
| loanDepot.com LLC | 3 | 8 |
| Michigan Mutual, Inc | 3 | 3 |
| Isabella Bank | 3 | 3 |
| Amerisave Mortgage Company | 3 | 12 |
| JPMorgan Chase Bank, NA | 3 | 4 |
| American Financial Resources LLC | 2 | 2 |
| Member First Mortgage, LLC | 2 | 2 |
| New American Funding, LLC. | 2 | 4 |
| Dow Credit Union | 2 | 3 |
| Fairway Independent Mort Corp | 2 | 2 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | under 10 | |
| Asian | under 10 | |
| Black or African American | under 10 | |
| White | 429 | 18.9% of 371 decided |
| Joint | under 10 | |
| Race Not Available | 55 | no rate: base under 50 |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | under 10 | |
| Not Hispanic or Latino | 416 | 19.3% of 362 decided |
| Joint | under 10 | |
| Ethnicity Not Available | 69 | 30.2% of 53 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 193 | 21.9% of 160 decided |
| Female | 76 | 23.1% of 65 decided |
| Joint | 184 | 14.7% of 163 decided |
| Sex Not Available | 40 | no rate: base under 50 |
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. 2388 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