Mortgage lending in Saginaw County, Michigan
Lenders in Saginaw County, Michigan reported 5,778 mortgage applications for 2025, according to the CFPB.
5,778 mortgage applications and 3,495 loans originated in 2025; the denial rate was 22.7% of 4,720 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: Saginaw, MI MSA.
- 5,778
- Applications
- 3,495
- Loans originated
- 22.7%
- Denial rate
- 1,073 denied of 4,720 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 5,778 | 3,495 |
| 2024 | 5,230 | 3,183 |
| 2023 | 4,852 | 2,906 |
| 2022 | 6,133 | 3,893 |
| 2021 | 9,012 | 6,088 |
| 2020 | 8,144 | 5,726 |
| 2019 | 5,675 | 3,722 |
| 2018 | 5,467 | 3,478 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Frankenmuth Credit Union | 336 | 366 |
| Rocket Mortgage | 297 | 403 |
| Huntington National Bank | 258 | 519 |
| United Wholesale Mortgage | 240 | 347 |
| Lake Michigan Credit Union | 118 | 158 |
| Staunton Financial Inc | 97 | 104 |
| Wildfire Credit Union | 94 | 128 |
| Independent Bank | 92 | 142 |
| Financial Plus Credit Union | 92 | 189 |
| Isabella Bank | 84 | 129 |
| Mortgage Research Center | 65 | 140 |
| Legacy Mortgage | 63 | 95 |
| United Financial Credit Union | 59 | 96 |
| BLG Holdings, LLC | 56 | 67 |
| Dow Credit Union | 50 | 83 |
| PNC Bank N.A. | 50 | 113 |
| Fifth Third Bank, National Association | 50 | 77 |
| Jolt Credit Union | 48 | 66 |
| Guaranteed Rate, Inc. | 43 | 68 |
| 1ST State Bank | 41 | 47 |
| Mortgage 1 Incorporated | 39 | 45 |
| Lake Huron Credit Union | 34 | 48 |
| Citizens Bank, NA | 34 | 59 |
| MORTGAGE300 Corporation | 33 | 38 |
| Das Acquisition Company, LLC | 33 | 47 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 43 | no rate: base under 50 |
| Asian | 67 | 15.4% of 52 decided |
| Black or African American | 582 | 41.3% of 458 decided |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 4,103 | 19.2% of 3,436 decided |
| 2 or more minority races | withheld | |
| Joint | 77 | 16.2% of 68 decided |
| Race Not Available | 889 | 27.9% of 656 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 324 | 33.5% of 254 decided |
| Not Hispanic or Latino | 4,467 | 21.1% of 3,732 decided |
| Joint | withheld | |
| Ethnicity Not Available | 885 | 27.7% of 656 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 2,119 | 22.7% of 1,712 decided |
| Female | 1,474 | 27.4% of 1,228 decided |
| Joint | 1,657 | 17.0% of 1,403 decided |
| Sex Not Available | 528 | 28.9% of 377 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. 2185 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