Mortgage lending in Oscoda County, Michigan

Lenders in Oscoda County, Michigan reported 382 mortgage applications for 2025, according to the CFPB.

382 mortgage applications and 204 loans originated in 2025; the denial rate was 25.5% of 298 applications decided. The median loan was about $130,000. From 2025, the CFPB’s Snapshot release.

HUD’s Fair Market Rent for the county, on the housing hub: Oscoda County, MI.

382
Applications: 204
Loans originated: 25.5%
Denial rate: 76 denied of 298 applications decided.

Every year

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Mortgage applications and loans originated in Oscoda County, Michigan, by year
Year	Applications	Originated	Denied
2025	382	204	76
2024	361	213	75
2023	336	182	73
2022	358	223	60
2021	557	329	100
2020	504	325	87
2019	358	220	65
2018	378	208	92

The largest lenders here

Lenders in Oscoda County, Michigan by loans originated, 2025
Lender	Originated	Applications
Huntington National Bank	24	61
Community Financial	20	28
Rocket Mortgage	19	31
Mercantile Bank	12	17
United Wholesale Mortgage	11	24
Mortgage Research Center	5	10
Mortgage Center LC	5	7
GreenStone Farm Credit Services	4	4
Mortgage 1 Incorporated	4	4
Union Home Mortgage Corp.	4	8
JPMorgan Chase Bank, NA	4	6
Nicolet National Bank	3	4
Zillow Home Loans, LLC	3	4
Dart Bank	3	3
Staunton Financial Inc	3	3
Genisys Credit Union	3	4
First State Bank	3	3
PNC Bank N.A.	3	5
Superior National Bank	2	2
Legacy Mortgage	2	3
Figure Lending LLC	2	4
Navy Federal Credit Union	2	6
loanDepot.com LLC	2	4
Old National Bank	2	2
Freedom Mortgage Corporation	2	9

Applications by race, ethnicity and sex, 2025

By race, Oscoda County, Michigan: applications and denial rate
Category	Applications	Denial rate
American Indian or Alaska Native	under 10
Asian	under 10
Black or African American	under 10
White	332	24.0% of 267 decided
Joint	under 10
Race Not Available	35	no rate: base under 50

By ethnicity, Oscoda County, Michigan: applications and denial rate
Category	Applications	Denial rate
Hispanic or Latino	under 10
Not Hispanic or Latino	324	23.5% of 255 decided
Joint	under 10
Ethnicity Not Available	47	no rate: base under 50

By sex, Oscoda County, Michigan: applications and denial rate
Category	Applications	Denial rate
Male	160	28.4% of 116 decided
Female	73	25.0% of 60 decided
Joint	133	21.9% of 114 decided
Sex Not Available	16	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. 2294 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 October 22, 2026