Mortgage lending in Ottawa County, Michigan
Lenders in Ottawa County, Michigan reported 11,965 mortgage applications for 2025, according to the CFPB.
11,965 mortgage applications and 7,794 loans originated in 2025; the denial rate was 18.1% of 10,090 applications decided. The median loan was about $215,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Holland-Grand Haven, MI HUD Metro FMR Area.
- 11,965
- Applications
- 7,794
- Loans originated
- 18.1%
- Denial rate
- 1,826 denied of 10,090 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 11,965 | 7,794 |
| 2024 | 11,002 | 7,187 |
| 2023 | 10,475 | 6,628 |
| 2022 | 14,631 | 9,548 |
| 2021 | 24,011 | 16,927 |
| 2020 | 25,447 | 17,966 |
| 2019 | 17,408 | 12,024 |
| 2018 | 14,367 | 9,724 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Lake Michigan Credit Union | 1,951 | 2,508 |
| Huntington National Bank | 634 | 933 |
| Fifth Third Bank, National Association | 577 | 892 |
| United Wholesale Mortgage | 362 | 469 |
| Rocket Mortgage | 337 | 443 |
| Consumers Credit Union | 281 | 383 |
| Mercantile Bank | 221 | 309 |
| Northern Mortgage Services, LLC | 143 | 176 |
| Triad Financial Services, Inc. | 124 | 571 |
| Mortgage 1 Incorporated | 114 | 137 |
| United Federal Credit Union | 112 | 186 |
| Independent Bank | 108 | 146 |
| Dart Bank | 107 | 147 |
| Old National Bank | 104 | 122 |
| JPMorgan Chase Bank, NA | 99 | 130 |
| Macatawa Bank, N.A. | 97 | 128 |
| United Bank of Michigan | 96 | 108 |
| PNC Bank N.A. | 83 | 146 |
| West Michigan Community Bank | 63 | 79 |
| ChoiceOne Bank | 59 | 84 |
| 21ST Mortgage | 59 | 241 |
| Churchill Mortgage Corporation | 58 | 66 |
| Nationstar Mortgage | 56 | 74 |
| Guild Mortgage Company | 51 | 72 |
| Newrez LLC | 44 | 110 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 54 | no rate: base under 50 |
| Asian | 211 | 25.8% of 167 decided |
| Black or African American | 108 | 21.3% of 75 decided |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 9,330 | 15.5% of 7,907 decided |
| 2 or more minority races | under 10 | |
| Joint | 202 | 12.3% of 163 decided |
| Race Not Available | 2,049 | 29.2% of 1,725 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 778 | 37.9% of 639 decided |
| Not Hispanic or Latino | 9,279 | 16.1% of 7,904 decided |
| Joint | withheld | |
| Ethnicity Not Available | 1,672 | 20.9% of 1,345 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 3,815 | 20.2% of 3,159 decided |
| Female | 2,115 | 27.4% of 1,802 decided |
| Joint | 5,052 | 12.0% of 4,315 decided |
| Sex Not Available | 983 | 21.9% of 814 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. 896 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