Mortgage lenders in Michigan, county by county
228,503 mortgages were made in Michigan in 2025, across 83 counties. Each county page lists every lender that lent there, ranked by how many loans it made, with the median rate its borrowers got and how often it said no.
| County | Lenders | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|---|
| Wayne County | 534 | 33,666 | 6.875% | $145,000 | 28.1% |
| Oakland County | 548 | 31,664 | 6.750% | $235,000 | 20.2% |
| Macomb County | 436 | 21,473 | 6.750% | $175,000 | 23.3% |
| Kent County | 420 | 16,640 | 6.750% | $205,000 | 19.5% |
| Genesee County | 344 | 8,751 | 6.750% | $145,000 | 22.1% |
| Ottawa County | 341 | 7,794 | 6.875% | $215,000 | 18.1% |
| Washtenaw County | 379 | 7,140 | 6.650% | $245,000 | 19.9% |
| Kalamazoo County | 347 | 6,162 | 6.750% | $165,000 | 20.6% |
| Livingston County | 324 | 5,580 | 6.750% | $225,000 | 18.6% |
| Ingham County | 336 | 5,496 | 6.750% | $145,000 | 22.1% |
| Muskegon County | 272 | 4,775 | 6.750% | $165,000 | 20.7% |
| St. Clair County | 272 | 4,320 | 6.875% | $155,000 | 24.1% |
| Monroe County | 276 | 4,125 | 6.875% | $165,000 | 23.1% |
| Berrien County | 342 | 4,011 | 6.990% | $165,000 | 24.3% |
| Jackson County | 282 | 3,600 | 6.750% | $155,000 | 22.2% |
| Saginaw County | 271 | 3,495 | 6.750% | $135,000 | 22.7% |
| Allegan County | 296 | 3,398 | 6.865% | $205,000 | 21.5% |
| Calhoun County | 263 | 3,152 | 6.840% | $125,000 | 24.6% |
| Grand Traverse County | 258 | 2,514 | 6.925% | $235,000 | 20.1% |
| Eaton County | 255 | 2,482 | 6.750% | $165,000 | 21.7% |
| Lenawee County | 237 | 2,324 | 6.750% | $145,000 | 21.4% |
| Lapeer County | 218 | 2,268 | 6.750% | $185,000 | 20.3% |
| Bay County | 220 | 2,131 | 6.750% | $125,000 | 19.6% |
| Van Buren County | 240 | 2,006 | 6.875% | $165,000 | 22.2% |
| Clinton County | 229 | 1,898 | 6.875% | $195,000 | 18.5% |
| Barry County | 225 | 1,783 | 6.875% | $175,000 | 23.2% |
| Montcalm County | 208 | 1,767 | 6.625% | $165,000 | 20.2% |
| Midland County | 216 | 1,716 | 6.625% | $175,000 | 17.5% |
| Shiawassee County | 208 | 1,675 | 6.750% | $145,000 | 22.3% |
| Ionia County | 194 | 1,478 | 6.740% | $165,000 | 22.8% |
| St. Joseph County | 194 | 1,462 | 6.875% | $145,000 | 19.5% |
| Newaygo County | 191 | 1,332 | 6.750% | $165,000 | 23.4% |
| Cass County | 221 | 1,324 | 6.990% | $165,000 | 24.5% |
| Isabella County | 181 | 1,101 | 6.750% | $145,000 | 19.8% |
| Marquette County | 153 | 1,013 | 6.750% | $175,000 | 16.9% |
| Mecosta County | 180 | 1,004 | 6.875% | $155,000 | 21.4% |
| Tuscola County | 154 | 1,002 | 6.840% | $135,000 | 21.3% |
| Hillsdale County | 207 | 947 | 6.875% | $155,000 | 21.7% |
| Branch County | 174 | 909 | 6.875% | $145,000 | 29.5% |
| Roscommon County | 207 | 852 | 6.875% | $145,000 | 22.1% |
| Clare County | 186 | 848 | 6.875% | $125,000 | 25.8% |
| Wexford County | 156 | 796 | 6.750% | $165,000 | 24.2% |
| Sanilac County | 163 | 780 | 6.875% | $145,000 | 22.5% |
| Emmet County | 185 | 777 | 6.875% | $245,000 | 19.5% |
| Antrim County | 169 | 773 | 6.990% | $195,000 | 20.3% |
| Otsego County | 167 | 726 | 6.875% | $175,000 | 20.7% |
| Leelanau County | 157 | 704 | 6.875% | $295,000 | 16.2% |
| Gladwin County | 174 | 697 | 6.750% | $145,000 | 21.9% |
| Gratiot County | 149 | 687 | 6.650% | $135,000 | 26.4% |
| Charlevoix County | 162 | 668 | 6.990% | $215,000 | 21.5% |
| Oceana County | 170 | 576 | 6.750% | $175,000 | 21.1% |
| Mason County | 157 | 569 | 6.750% | $175,000 | 21.3% |
| Huron County | 138 | 566 | 6.900% | $125,000 | 19.8% |
| Benzie County | 159 | 521 | 6.750% | $245,000 | 21.0% |
| Manistee County | 167 | 521 | 6.836% | $175,000 | 23.2% |
| Houghton County | 130 | 516 | 6.875% | $140,000 | 17.1% |
| Iosco County | 162 | 513 | 6.750% | $135,000 | 24.6% |
| Cheboygan County | 174 | 482 | 6.750% | $190,000 | 25.2% |
| Kalkaska County | 148 | 476 | 6.875% | $195,000 | 25.0% |
| Osceola County | 135 | 472 | 6.833% | $135,000 | 28.7% |
| Ogemaw County | 147 | 438 | 6.875% | $135,000 | 25.7% |
| Crawford County | 120 | 394 | 6.990% | $145,000 | 21.8% |
| Alpena County | 110 | 359 | 6.750% | $145,000 | 22.4% |
| Chippewa County | 118 | 359 | 6.875% | $165,000 | 26.4% |
| Lake County | 131 | 336 | 6.750% | $145,000 | 25.0% |
| Missaukee County | 112 | 336 | 6.740% | $155,000 | 23.3% |
| Dickinson County | 97 | 335 | 6.625% | $135,000 | 19.9% |
| Arenac County | 124 | 325 | 6.750% | $125,000 | 19.9% |
| Montmorency County | 114 | 316 | 6.875% | $125,000 | 20.4% |
| Menominee County | 91 | 311 | 6.625% | $135,000 | 14.5% |
| Iron County | 89 | 295 | 6.625% | $95,000 | 19.1% |
| Gogebic County | 106 | 264 | 6.750% | $115,000 | 20.6% |
| Delta County | 108 | 259 | 6.625% | $175,000 | 23.1% |
| Alcona County | 110 | 253 | 6.740% | $155,000 | 26.0% |
| Oscoda County | 109 | 204 | 6.875% | $130,000 | 25.5% |
| Presque Isle County | 90 | 185 | 6.750% | $145,000 | 20.5% |
| Mackinac County | 91 | 128 | 6.750% | $165,000 | 22.8% |
| Alger County | 70 | 115 | 6.875% | $175,000 | 23.9% |
| Baraga County | 47 | 97 | 6.875% | $135,000 | 21.0% |
| Ontonagon County | 58 | 91 | 6.750% | $125,000 | 22.8% |
| Schoolcraft County | 52 | 85 | 7.075% | $135,000 | 17.6% |
| Luce County | 55 | 80 | 6.875% | $125,000 | 24.1% |
| Keweenaw County | 28 | 40 | 6.990% | $105,000 | 12.5% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.