MI · Statewide HMDA 2024
Michigan mortgage lending
According to the CFPB HMDA 2024 Snapshot, 859 reporting lenders · 83 counties · 17 metros.
Volume rank is not origination-share rank
According to the CFPB HMDA 2024 Snapshot, Michigan ranks #10 of 54 by application volume but #18 of 52 states with 10,000+ applications on origination share (55.0%). Wisconsin leads that origination-share board at 64.0% on 214,597 applications. Volume rank is not origination-share rank.
- #18
- Origination-share rank of 52
- 55.0%
- Origination share
- 204,020
- Originated
- 18.4%
- Denial rate
According to the CFPB HMDA 2024 Snapshot. Origination share is originated divided by applications among states and territories with 10,000+ applications (the same floor as the national denial board). See /methodology#corpus-placement. Informational reporting, not mortgage advice.
Reported application outcomes
370,726reported applications
CFPB HMDA state filing plate
State MI · Michigan 18.4% denial
VOL-HEAVY · DEN-MID · PHOTO-FINISH · ORIG-LOW · BOOK-FULL · LEAD-MIX
- VOL-HEAVY #10/54
- DEN-MID 18.4%
- PHOTO-FINISH Pennsylvania
- ORIG-LOW 55.0%
- BOOK-FULL 859 lenders
- LEAD-MIX 9% top
Photo-finish peer: Pennsylvania · 18.4% denial (+0.0pp vs Michigan)
2024 HMDA Snapshot state sheet, volume rank, denial band, origination share, and reporter book. Informational reporting only.
Denial-rate neighbourhood · Michigan
Poles and nearest peers by statewide HMDA denial rate, not a full state roster.
Nationwide states with similar HMDA denial rate or application volume
Two statewide peer sets for Michigan: nearest jurisdictions by denial rate and by mortgage applications filed. These are cross-state neighborhoods, distinct from the denial-band chart above.
Similar denial rate
Nearest states by statewide denial rate (18.4% here).
Similar application volume
Nearest states by HMDA applications filed (370,726 here).
Top lenders by originations · Michigan
Funded loans among HMDA-reporting institutions active in this state.
Where Michigan sits by application volume
2024 CFPB HMDA states and territories, bucketed by mortgage applications filed
370,726 Top 19% higher than 81% of 54 states and territories
Each bar is a 150,000-applications band. The dashed line and filled bar mark this state. Hover, tap, or focus a bar for its count and population share.
Source CFPB Home Mortgage Disclosure Act Snapshot National Loan-Level Dataset · 2024 reporting year
Top counties by originations · Michigan
In-state county volume from the same HMDA county board linked below.
How to read this state sheet. Michigan filed 370,726 HMDA-reported applications in 2024 (#10 of 54 by volume) with a 18.4% denial rate - near the national 17.2% baseline. White applicants (239,465 apps) show 17.1% denial; Black or African American applicants (29,552 apps) show 31.4% denial - rates on groups below 100 applications are marked too small to read. This page is informational data reporting, not financial, legal, or mortgage advice.
Nearby Lenders in Michigan
Top HMDA-reporting lenders active in Michigan. Compare any two side-by-side for rates, denial rates, and loan mix.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Rocket Mortgage | 19,108 | 9.4% |
| 2 | United Wholesale Mortgage | 18,328 | 9.0% |
| 3 | Lake Michigan Credit Union | 10,918 | 5.4% |
| 4 | Huntington National Bank | 10,884 | 5.3% |
| 5 | Fifth Third Bank, National Association | 4,686 | 2.3% |
Reported outcomes by applicant race in Michigan
CFPB derived race categories. HMDA carries no credit score, debt-to-income ratio or down payment, so a gap between these rows is an outcome difference and never, on its own, evidence of discrimination.
| Race | Applications | Approval Rate | Denial Rate |
|---|---|---|---|
| White | 239,465 | 62.5% | 17.1% |
| Black or African American | 29,552 | 43.5% | 31.4% |
| Asian | 12,296 | 58.7% | 16.5% |
| Joint | 4,804 | 61.2% | 17.9% |
| American Indian or Alaska Native | 2,031 | 44.6% | 29.6% |
| 2 or more minority races | 919 | 37.2% | 37.4% |
| Native Hawaiian or Other Pacific Islander | 375 | 44.5% | 35.2% |
Every county in Michigan, by lending volume
County totals sum the filings geocoded to that county, so they reconcile to the state row above rather than to any single lender's book.
| County | Applications | Originated | Denial Rate | Avg Loan |
|---|---|---|---|---|
| Wayne County | 59,504 | 30,332 | 22.4% | $164,738 |
| Oakland County | 49,364 | 28,127 | 16.5% | $260,762 |
| Macomb County | 34,770 | 19,337 | 18.9% | $187,623 |
| Kent County | 24,591 | 14,394 | 16.7% | $212,417 |
| Genesee County | 14,974 | 7,824 | 17.8% | $151,433 |
| Ottawa County | 11,355 | 6,992 | 16.2% | $225,536 |
| Washtenaw County | 11,304 | 6,217 | 17.2% | $312,630 |
| Kalamazoo County | 9,802 | 5,770 | 17.4% | $190,513 |
| Livingston County | 8,518 | 4,912 | 16.4% | $227,738 |
| Ingham County | 8,493 | 4,831 | 18.6% | $173,414 |
| Muskegon County | 7,443 | 4,200 | 17.3% | $164,378 |
| St. Clair County | 6,978 | 3,864 | 19.2% | $157,516 |
| Berrien County | 6,626 | 3,644 | 19.8% | $192,830 |
| Monroe County | 6,429 | 3,513 | 19.4% | $166,355 |
| Jackson County | 6,208 | 3,346 | 19.0% | $160,174 |
| Saginaw County | 5,632 | 3,154 | 17.0% | $143,983 |
| Allegan County | 5,270 | 2,975 | 19.9% | $204,715 |
| Calhoun County | 5,226 | 2,789 | 20.4% | $141,016 |
| Eaton County | 3,941 | 2,191 | 19.1% | $170,570 |
| Lenawee County | 3,621 | 1,975 | 18.6% | $153,757 |
| Grand Traverse County | 3,615 | 2,132 | 16.8% | $271,849 |
| Lapeer County | 3,610 | 1,991 | 17.5% | $182,086 |
| Bay County | 3,307 | 1,967 | 15.3% | $129,799 |
| Van Buren County | 3,098 | 1,770 | 18.4% | $186,914 |
| Barry County | 2,918 | 1,617 | 20.2% | $177,563 |
| Shiawassee County | 2,782 | 1,569 | 16.1% | $144,558 |
| Clinton County | 2,764 | 1,676 | 16.2% | $192,663 |
| Midland County | 2,746 | 1,636 | 14.9% | $172,320 |
| Montcalm County | 2,591 | 1,455 | 17.0% | $157,304 |
| Ionia County | 2,400 | 1,304 | 22.5% | $156,954 |
| St. Joseph County | 2,323 | 1,360 | 17.2% | $150,751 |
| Cass County | 2,130 | 1,231 | 17.5% | $188,671 |
| Newaygo County | 2,091 | 1,152 | 18.5% | $162,384 |
| Isabella County | 1,672 | 952 | 17.6% | $149,408 |
| Tuscola County | 1,570 | 904 | 15.7% | $136,516 |
| Marquette County | 1,537 | 940 | 13.9% | $180,511 |
| Branch County | 1,528 | 794 | 21.7% | $148,449 |
| Mecosta County | 1,480 | 828 | 19.5% | $170,446 |
| Clare County | 1,377 | 746 | 20.0% | $122,429 |
| Roscommon County | 1,370 | 754 | 16.9% | $151,314 |
| Sanilac County | 1,367 | 745 | 20.8% | $148,446 |
| Hillsdale County | 1,353 | 762 | 19.5% | $148,799 |
| Wexford County | 1,241 | 623 | 19.6% | $158,199 |
| Emmet County | 1,164 | 675 | 18.0% | $319,296 |
| Gratiot County | 1,150 | 623 | 20.9% | $131,661 |
| Gladwin County | 1,111 | 606 | 20.8% | $145,351 |
| Charlevoix County | 1,106 | 607 | 20.1% | $269,675 |
| Antrim County | 1,080 | 635 | 16.1% | $247,120 |
| Otsego County | 1,079 | 659 | 15.4% | $172,006 |
| Leelanau County | 1,018 | 617 | 14.6% | $361,935 |
| Oceana County | 902 | 485 | 20.3% | $193,825 |
| Iosco County | 892 | 476 | 19.2% | $139,518 |
| Osceola County | 879 | 477 | 20.7% | $142,235 |
| Huron County | 836 | 489 | 20.7% | $139,510 |
| Ogemaw County | 829 | 444 | 18.8% | $136,556 |
| Benzie County | 797 | 485 | 14.9% | $227,735 |
| Cheboygan County | 796 | 414 | 20.5% | $181,972 |
| Kalkaska County | 748 | 426 | 17.6% | $188,289 |
| Manistee County | 724 | 428 | 15.2% | $188,149 |
| Mason County | 700 | 396 | 16.6% | $194,057 |
| Houghton County | 698 | 424 | 13.3% | $177,966 |
| Chippewa County | 629 | 329 | 16.4% | $155,223 |
| Crawford County | 599 | 321 | 17.0% | $148,489 |
| Alpena County | 598 | 326 | 20.1% | $137,575 |
| Lake County | 528 | 273 | 22.9% | $139,905 |
| Dickinson County | 522 | 285 | 18.4% | $154,195 |
| Missaukee County | 521 | 275 | 21.9% | $159,338 |
| Menominee County | 501 | 285 | 14.8% | $134,301 |
| Arenac County | 457 | 253 | 21.4% | $155,635 |
| Montmorency County | 451 | 265 | 17.3% | $143,914 |
| Iron County | 440 | 279 | 14.6% | $103,182 |
| Delta County | 419 | 199 | 17.2% | $164,427 |
| Gogebic County | 405 | 230 | 20.3% | $137,000 |
| Oscoda County | 379 | 212 | 19.5% | $125,158 |
| Alcona County | 376 | 204 | 16.2% | $174,229 |
| Presque Isle County | 292 | 158 | 17.5% | $167,432 |
| Mackinac County | 241 | 146 | 16.2% | $227,490 |
| Schoolcraft County | 160 | 89 | 16.3% | $147,063 |
| Baraga County | 157 | 95 | 13.4% | $148,503 |
| Alger County | 144 | 90 | 14.6% | $182,292 |
| Ontonagon County | 143 | 69 | 21.0% | $126,748 |
| Luce County | 113 | 66 | 16.8% | $148,097 |
| Keweenaw County | 61 | 42 | 9.8% | $155,328 |
Metro Areas in Michigan
Frequently Asked Questions
How many mortgage applications were filed in Michigan?
Where does Michigan sit among U.S. states for mortgage volume?
What is the mortgage denial rate in Michigan?
What is the average mortgage loan amount in Michigan?
How many mortgage lenders operate in Michigan?
How do mortgage denial rates vary by demographics in Michigan?
Which counties in Michigan have the most mortgage activity?
Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024. State geography per U.S. Census Bureau standards.
Data from FFIEC / CFPB HMDA Snapshot National Loan-Level Dataset (2024). Demographic data reflects derived categories as reported by applicants. Provided for informational purposes only.
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 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.