Mortgage lending in Osceola County, Michigan
Lenders in Osceola County, Michigan reported 876 mortgage applications for 2025, according to the CFPB.
876 mortgage applications and 472 loans originated in 2025; the denial rate was 28.7% of 701 applications decided. The median loan was about $135,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Osceola County, MI.
- 876
- Applications
- 472
- Loans originated
- 28.7%
- Denial rate
- 201 denied of 701 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 876 | 472 |
| 2024 | 844 | 483 |
| 2023 | 750 | 391 |
| 2022 | 1,003 | 553 |
| 2021 | 1,312 | 732 |
| 2020 | 1,097 | 634 |
| 2019 | 908 | 507 |
| 2018 | 844 | 486 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Huntington National Bank | 75 | 130 |
| United Wholesale Mortgage | 43 | 53 |
| Rocket Mortgage | 41 | 70 |
| Union Home Mortgage Corp. | 41 | 58 |
| Horizon Bank | 26 | 32 |
| GreenStone Farm Credit Services | 17 | 20 |
| Lake Michigan Credit Union | 13 | 17 |
| Fifth Third Bank, National Association | 12 | 27 |
| Mortgage Research Center | 11 | 27 |
| Mortgage 1 Incorporated | 11 | 13 |
| MORTGAGE300 Corporation | 11 | 13 |
| Independent Bank | 9 | 17 |
| Guild Mortgage Company | 8 | 9 |
| Members First Credit Union | 8 | 19 |
| Nationstar Mortgage | 7 | 9 |
| Wmcu | 6 | 17 |
| Newrez LLC | 6 | 9 |
| Isabella Bank | 6 | 9 |
| Mercantile Bank | 6 | 11 |
| Figure Lending LLC | 4 | 15 |
| American Pacific Mortgage Corporation | 4 | 5 |
| Freedom Mortgage Corporation | 4 | 8 |
| Carrington Mortgage Services LLC | 4 | 13 |
| New Day Financial, LLC. | 4 | 7 |
| Msu Federal Credit Union | 3 | 4 |
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 | 749 | 27.9% of 602 decided |
| 2 or more minority races | under 10 | |
| Joint | under 10 | |
| Race Not Available | 104 | 37.2% of 78 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 15 | no rate: base under 50 |
| Not Hispanic or Latino | 731 | 27.2% of 592 decided |
| Joint | 10 | no rate: base under 50 |
| Ethnicity Not Available | 120 | 40.2% of 92 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 332 | 29.8% of 268 decided |
| Female | 183 | 31.9% of 144 decided |
| Joint | 294 | 23.4% of 244 decided |
| Sex Not Available | 67 | 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. 2184 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