Mortgage lending in Washtenaw County, Michigan
Lenders in Washtenaw County, Michigan reported 11,705 mortgage applications for 2025, according to the CFPB.
11,705 mortgage applications and 7,140 loans originated in 2025; the denial rate was 19.9% of 9,617 applications decided. The median loan was about $245,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Ann Arbor, MI MSA.
- 11,705
- Applications
- 7,140
- Loans originated
- 19.9%
- Denial rate
- 1,912 denied of 9,617 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 11,705 | 7,140 |
| 2024 | 10,537 | 6,222 |
| 2023 | 9,654 | 5,746 |
| 2022 | 13,905 | 8,504 |
| 2021 | 24,969 | 16,862 |
| 2020 | 25,865 | 17,701 |
| 2019 | 16,710 | 10,767 |
| 2018 | 14,484 | 9,005 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Rocket Mortgage | 608 | 832 |
| United Wholesale Mortgage | 548 | 683 |
| University of Michigan Credit Union | 438 | 619 |
| Lake Michigan Credit Union | 327 | 424 |
| Huntington National Bank | 302 | 557 |
| DFCU Financial | 232 | 328 |
| Gold Star Mortgage Financial Group, Corporation | 231 | 320 |
| First Merchants Bank | 223 | 315 |
| University Bank | 220 | 279 |
| Staunton Financial Inc | 219 | 239 |
| Old National Bank | 185 | 238 |
| JPMorgan Chase Bank, NA | 150 | 226 |
| PNC Bank N.A. | 147 | 222 |
| Bank of America NA | 137 | 260 |
| Citizens Bank, NA | 124 | 184 |
| Dart Bank | 116 | 153 |
| Crosscountry Mortgage, LLC | 102 | 172 |
| Pulte Mortgage LLC | 98 | 135 |
| Michigan Educational Credit Union | 76 | 82 |
| Bank of Ann Arbor | 76 | 109 |
| The Loan Store, Inc | 70 | 105 |
| Triad Financial Services, Inc. | 70 | 414 |
| Union Home Mortgage Corp. | 68 | 82 |
| Fifth Third Bank, National Association | 68 | 159 |
| Credit Union One | 65 | 109 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 45 | no rate: base under 50 |
| Asian | 800 | 18.7% of 630 decided |
| Black or African American | 832 | 34.8% of 690 decided |
| Native Hawaiian or Other Pacific Islander | 10 | no rate: base under 50 |
| White | 7,343 | 16.6% of 6,105 decided |
| 2 or more minority races | 18 | no rate: base under 50 |
| Joint | 372 | 12.3% of 308 decided |
| Race Not Available | 2,285 | 26.9% of 1,823 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 397 | 28.5% of 330 decided |
| Not Hispanic or Latino | 8,971 | 19.2% of 7,453 decided |
| Joint | withheld | |
| Ethnicity Not Available | 2,092 | 20.7% of 1,631 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 3,794 | 21.1% of 3,116 decided |
| Female | 2,765 | 25.5% of 2,325 decided |
| Joint | 4,028 | 13.5% of 3,329 decided |
| Sex Not Available | 1,118 | 25.1% of 847 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. 611 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