Mortgage lending in Oakland County, Michigan
Lenders in Oakland County, Michigan reported 51,258 mortgage applications for 2025, according to the CFPB.
51,258 mortgage applications and 31,668 loans originated in 2025; the denial rate was 20.2% of 41,936 applications decided. The median loan was about $235,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Detroit-Warren-Livonia, MI HUD Metro FMR Area.
- 51,258
- Applications
- 31,668
- Loans originated
- 20.2%
- Denial rate
- 8,459 denied of 41,936 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 51,258 | 31,668 |
| 2024 | 46,209 | 28,144 |
| 2023 | 41,554 | 24,880 |
| 2022 | 60,204 | 37,743 |
| 2021 | 112,202 | 78,393 |
| 2020 | 119,131 | 83,675 |
| 2019 | 75,387 | 49,957 |
| 2018 | 63,223 | 39,680 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| United Wholesale Mortgage | 4,594 | 5,865 |
| Rocket Mortgage | 3,915 | 4,995 |
| Genisys Credit Union | 1,324 | 2,166 |
| Huntington National Bank | 1,096 | 2,013 |
| Lake Michigan Credit Union | 1,031 | 1,317 |
| Citizens Bank, NA | 980 | 1,669 |
| Michigan Schools and Governmen | 776 | 1,105 |
| JPMorgan Chase Bank, NA | 698 | 1,124 |
| First Merchants Bank | 652 | 879 |
| Staunton Financial Inc | 632 | 740 |
| DFCU Financial | 568 | 806 |
| Bank of America NA | 536 | 1,080 |
| Flagstar Bank NA | 495 | 863 |
| Credit Union One | 478 | 822 |
| Crosscountry Mortgage, LLC | 438 | 677 |
| PNC Bank N.A. | 437 | 774 |
| Fifth Third Bank, National Association | 426 | 799 |
| Union Home Mortgage Corp. | 406 | 498 |
| Mortgage Center LC | 398 | 533 |
| The Loan Store, Inc | 361 | 516 |
| Mortgage 1 Incorporated | 356 | 446 |
| Comerica Bank | 351 | 820 |
| Msu Federal Credit Union | 340 | 506 |
| Vibe Credit Union | 318 | 386 |
| Guaranteed Rate, Inc. | 286 | 474 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 232 | 34.9% of 189 decided |
| Asian | 4,152 | 17.2% of 3,342 decided |
| Black or African American | 4,428 | 34.9% of 3,587 decided |
| Native Hawaiian or Other Pacific Islander | withheld | |
| White | 33,096 | 17.5% of 27,625 decided |
| 2 or more minority races | 89 | 33.9% of 65 decided |
| Joint | 767 | 17.0% of 622 decided |
| Free Form Text Only | under 10 | |
| Race Not Available | 8,450 | 24.5% of 6,468 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 1,870 | 24.5% of 1,527 decided |
| Not Hispanic or Latino | 40,354 | 19.2% of 33,484 decided |
| Joint | 671 | 19.9% of 554 decided |
| Ethnicity Not Available | 8,344 | 24.1% of 6,358 decided |
| Free Form Text Only | 19 | no rate: base under 50 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 20,389 | 20.8% of 16,628 decided |
| Female | 11,644 | 25.1% of 9,621 decided |
| Joint | 14,498 | 14.3% of 12,147 decided |
| Sex Not Available | 4,727 | 23.9% of 3,540 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. 691 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