Mortgage lending in Otsego County, Michigan
Lenders in Otsego County, Michigan reported 1,205 mortgage applications for 2025, according to the CFPB.
1,205 mortgage applications and 726 loans originated in 2025; the denial rate was 20.7% of 975 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: Otsego County, MI.
- 1,205
- Applications
- 726
- Loans originated
- 20.7%
- Denial rate
- 202 denied of 975 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 1,205 | 726 |
| 2024 | 1,029 | 660 |
| 2023 | 933 | 592 |
| 2022 | 1,219 | 800 |
| 2021 | 1,828 | 1,227 |
| 2020 | 1,670 | 1,062 |
| 2019 | 1,250 | 834 |
| 2018 | 1,152 | 673 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Community Financial | 137 | 199 |
| Huntington National Bank | 76 | 144 |
| Rocket Mortgage | 72 | 99 |
| United Wholesale Mortgage | 56 | 72 |
| Fifth Third Bank, National Association | 40 | 67 |
| State Savings Bank | 34 | 41 |
| Nicolet National Bank | 14 | 16 |
| Horizon Bank | 14 | 22 |
| Union Home Mortgage Corp. | 12 | 13 |
| Mercantile Bank | 12 | 22 |
| Dart Bank | 11 | 12 |
| Lake Michigan Credit Union | 11 | 15 |
| Mortgage Research Center | 10 | 25 |
| Navy Federal Credit Union | 8 | 12 |
| 4FRONT Credit Union | 6 | 12 |
| Crosscountry Mortgage, LLC | 6 | 10 |
| North Central Area Credit Union | 5 | 5 |
| Staunton Financial Inc | 5 | 6 |
| Nationstar Mortgage | 5 | 6 |
| Carrington Mortgage Services LLC | 5 | 7 |
| PNC Bank N.A. | 5 | 5 |
| Usaa Federal Savings Bank | 5 | 6 |
| The Loan Store, Inc | 4 | 6 |
| loanDepot.com LLC | 4 | 8 |
| Newrez LLC | 4 | 19 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 11 | no rate: base under 50 |
| Asian | 10 | no rate: base under 50 |
| Black or African American | under 10 | |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 1,033 | 20.3% of 841 decided |
| 2 or more minority races | under 10 | |
| Joint | 14 | no rate: base under 50 |
| Race Not Available | 132 | 25.3% of 99 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | withheld | |
| Not Hispanic or Latino | 1,030 | 20.4% of 845 decided |
| Joint | under 10 | |
| Ethnicity Not Available | 152 | 22.6% of 115 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 447 | 20.5% of 346 decided |
| Female | 229 | 25.3% of 190 decided |
| Joint | 445 | 17.9% of 380 decided |
| Sex Not Available | 84 | 25.4% of 59 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. 1421 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