Lansing-East Lansing
Metropolitan Statistical Area · MSA Code 29620
According to CFPB HMDA 2024 application volume among tracked metros, Lansing-East Lansing ranks #161 of 418.
Mortgage lending activity in the Lansing-East Lansing metro area based on lender filings under the Home Mortgage Disclosure Act (HMDA). Data covers all applications received by HMDA-reporting institutions operating in this geography during 2024. Why mortgages get denied walks the denial-reason codes that appear in books like this one.
Metro-area mortgage activity. The Lansing-East Lansing Metropolitan Statistical Area (MSA code 29620) recorded 15,199 HMDA-reported mortgage applications in 2024. Lenders originated 8,699 of those and denied others at a rate of 18.3%, for an approval (origination) rate of 57.2%. The average loan amount across the MSA was $176,168 at an average note rate of 7.37%. 20 major lenders are tracked for this metro - Msu Federal Credit Union, Dart Bank, Rocket Mortgage lead by origination volume. Among the 418 metros tracked, Lansing-East Lansing ranks #300 by denial rate (the 28th percentile for approval-friendliness), and shares its 5-point denial-rate band with 241 other tracked metros.
What MSA numbers tell you, and what they don't. Metro area boundaries are defined by the U.S. Office of Management and Budget and typically span multiple counties, so a single Lansing-East Lansing denial rate averages across urban core, inner suburbs, and outer commuter communities with very different borrower profiles. A 18.3% denial rate at the MSA level can coexist with widely varying individual-lender denial rates; $176,168 average loan size reflects the MSA's property values and the borrower pool that actually applied, not any single neighborhood. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Lansing-East Lansing
In Lansing-East Lansing, lead originator Msu Federal Credit Union funded 13.5% of 8,699 originated loans, above the fleet's upper tercile (~12.8% top-1). The top three reporters together hold 30.1% of the book, so a handful of names dominate disclosed volume here.
Metros With a Similar Denial Rate
The metro areas closest to Lansing-East Lansing's 18.3% denial rate among all 418 tracked MSAs.
Metros With Similar Application Volume
Nationwide MSAs nearest to Lansing-East Lansing's 15,199 HMDA applications (deduped against the denial-rate neighbourhood).
Metros With a Similar Average Loan
Nationwide MSAs nearest to Lansing-East Lansing's $176,168 average loan (deduped against denial and volume peers).
Lenders active in the Lansing-East Lansing metro
Msu Federal Credit Union funded 1,174 of the 8,699 loans originated here, 13.5% of the metro. 20 reporting lenders follow.
| # | Lender | Originated | Applications | Avg Loan | Market Share |
|---|---|---|---|---|---|
| 1 | Msu Federal Credit Union | 1,174 | 1,755 | $130,977 | 13.5% |
| 2 | Dart Bank | 730 | 972 | $252,912 | 8.4% |
| 3 | Rocket Mortgage | 716 | 968 | $182,045 | 8.2% |
| 4 | Union Home Mortgage Corp. | 538 | 652 | $192,745 | 6.2% |
| 5 | United Wholesale Mortgage | 470 | 605 | $213,595 | 5.4% |
Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024. Metropolitan Statistical Areas defined by the U.S. Office of Management and Budget (OMB).
Data from FFIEC / CFPB HMDA Snapshot National Loan-Level Dataset (2024). Provided for informational purposes only; does not constitute financial advice for Lansing-East Lansing borrowers.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. This Lansing-East Lansing page draws directly on CFPB HMDA federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of 2026-08-10. HMDA figures are lender-filed application outcomes for a published reporting year - not creditworthiness scores, rate quotes, Loan Estimates, underwriting decisions, or mortgage advice.