Mortgage lending in Oceana County, Michigan
Lenders in Oceana County, Michigan reported 968 mortgage applications for 2025, according to the CFPB.
968 mortgage applications and 576 loans originated in 2025; the denial rate was 21.1% of 773 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: Oceana County, MI.
- 968
- Applications
- 576
- Loans originated
- 21.1%
- Denial rate
- 163 denied of 773 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 968 | 576 |
| 2024 | 898 | 525 |
| 2023 | 786 | 471 |
| 2022 | 1,097 | 643 |
| 2021 | 1,574 | 998 |
| 2020 | 1,531 | 984 |
| 2019 | 1,084 | 677 |
| 2018 | 988 | 618 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Lake Michigan Credit Union | 74 | 98 |
| Huntington National Bank | 52 | 105 |
| Mortgage 1 Incorporated | 42 | 50 |
| Rocket Mortgage | 39 | 53 |
| Fifth Third Bank, National Association | 33 | 62 |
| United Wholesale Mortgage | 28 | 40 |
| The Shelby State Bank | 24 | 41 |
| GreenStone Farm Credit Services | 18 | 20 |
| Gerber Federal Credit Union | 18 | 22 |
| West Shore Bank | 14 | 22 |
| Mortgage Research Center | 11 | 16 |
| Independent Bank | 7 | 8 |
| Consumers Credit Union | 7 | 10 |
| ChoiceOne Bank | 7 | 11 |
| MMS Mortgage Services, Ltd. | 7 | 8 |
| Family Financial Credit Union | 6 | 11 |
| Dart Bank | 5 | 6 |
| loanDepot.com LLC | 5 | 7 |
| Arbor Financial Credit Union | 5 | 5 |
| Freedom Mortgage Corporation | 5 | 7 |
| Mercantile Bank | 5 | 7 |
| Leaderone Financial Corp. | 4 | 6 |
| Msu Federal Credit Union | 4 | 6 |
| Guild Mortgage Company | 4 | 6 |
| Mutual of Omaha Mortgage | 4 | 5 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 14 | no rate: base under 50 |
| Asian | under 10 | |
| Black or African American | under 10 | |
| White | 790 | 19.2% of 636 decided |
| 2 or more minority races | under 10 | |
| Joint | under 10 | |
| Race Not Available | 147 | 27.2% of 114 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 49 | no rate: base under 50 |
| Not Hispanic or Latino | 749 | 18.4% of 597 decided |
| Joint | 12 | no rate: base under 50 |
| Ethnicity Not Available | 158 | 26.2% of 126 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 336 | 15.3% of 262 decided |
| Female | 201 | 30.6% of 147 decided |
| Joint | 332 | 18.9% of 281 decided |
| Sex Not Available | 99 | 30.1% of 83 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. 1420 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