Mortgage lending in Wayne County, Michigan
Lenders in Wayne County, Michigan reported 61,813 mortgage applications for 2025, according to the CFPB.
61,813 mortgage applications and 33,667 loans originated in 2025; the denial rate was 28.0% of 50,197 applications decided. The median loan was about $145,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Detroit-Warren-Livonia, MI HUD Metro FMR Area.
- 61,813
- Applications
- 33,667
- Loans originated
- 28.0%
- Denial rate
- 14,079 denied of 50,197 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 61,813 | 33,667 |
| 2024 | 56,080 | 30,371 |
| 2023 | 50,178 | 26,716 |
| 2022 | 64,604 | 36,335 |
| 2021 | 92,729 | 59,439 |
| 2020 | 84,561 | 54,868 |
| 2019 | 63,693 | 38,319 |
| 2018 | 55,402 | 32,013 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| United Wholesale Mortgage | 5,312 | 7,328 |
| Rocket Mortgage | 4,686 | 6,373 |
| DFCU Financial | 1,390 | 2,086 |
| Citizens Bank, NA | 1,137 | 2,224 |
| Huntington National Bank | 958 | 2,119 |
| Kiavi Funding, Inc. | 675 | 1,259 |
| Flagstar Bank NA | 561 | 1,041 |
| JPMorgan Chase Bank, NA | 552 | 951 |
| Staunton Financial Inc | 520 | 582 |
| Community Financial | 486 | 694 |
| Michigan First Credit Union | 472 | 1,131 |
| Lake Michigan Credit Union | 451 | 608 |
| Mortgage 1 Incorporated | 404 | 544 |
| Crosscountry Mortgage, LLC | 403 | 654 |
| Bank of America NA | 401 | 1,165 |
| The Mortgage Link, Inc. | 391 | 477 |
| Fifth Third Bank, National Association | 383 | 999 |
| First Merchants Bank | 380 | 537 |
| Guaranteed Rate, Inc. | 371 | 651 |
| Union Home Mortgage Corp. | 368 | 498 |
| PNC Bank N.A. | 366 | 807 |
| Mortgage Center LC | 364 | 535 |
| The Loan Store, Inc | 356 | 520 |
| BPL Mortgage, LLC | 331 | 479 |
| Gold Star Mortgage Financial Group, Corporation | 321 | 471 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 342 | 39.1% of 271 decided |
| Asian | 2,674 | 22.2% of 2,205 decided |
| Black or African American | 13,459 | 42.0% of 10,776 decided |
| Native Hawaiian or Other Pacific Islander | 91 | 41.0% of 78 decided |
| White | 30,431 | 21.4% of 25,667 decided |
| 2 or more minority races | 272 | 52.0% of 223 decided |
| Joint | 669 | 25.7% of 564 decided |
| Free Form Text Only | 11 | no rate: base under 50 |
| Race Not Available | 13,864 | 30.3% of 10,404 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 3,001 | 29.7% of 2,464 decided |
| Not Hispanic or Latino | 44,380 | 27.2% of 36,870 decided |
| Joint | 774 | 31.2% of 658 decided |
| Ethnicity Not Available | 13,626 | 30.3% of 10,183 decided |
| Free Form Text Only | 32 | no rate: base under 50 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 24,979 | 27.9% of 20,522 decided |
| Female | 17,200 | 33.5% of 14,186 decided |
| Joint | 10,734 | 19.6% of 9,063 decided |
| Sex Not Available | 8,900 | 28.4% of 6,426 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. 2007 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