Mortgage Approval and Denial Rates in Michigan (2025 HMDA)
Mortgage denial rates in Michigan: lenders acted on 380,395 mortgage applications in Michigan in 2025 and denied 18.4% of them, down from 19.7% in 2024. The national denial rate was 17.7%.
Applications acted on
380,395
Loans originated
228,503
Denial rate
18.4%
Median loan
$155,000
Michigan against the national picture
Most-reported denial reason in Michigan: Debt-to-income ratio.
Counties ranked by denial rate
| County | Applications | Denial rate | Median loan |
|---|---|---|---|
| Branch County | 1,698 | 24.3% | $125,000 |
| Osceola County | 876 | 22.9% | $125,000 |
| Wayne County | 61,812 | 22.8% | $125,000 |
| Clare County | 1,449 | 21.4% | $105,000 |
| Gratiot County | 1,213 | 21.4% | $115,000 |
| Alcona County | 435 | 21.1% | $155,000 |
| Ogemaw County | 754 | 20.8% | $115,000 |
| Cheboygan County | 838 | 20.5% | $165,000 |
| Calhoun County | 5,402 | 20.2% | $115,000 |
| Cass County | 2,254 | 20.2% | $155,000 |
| Kalkaska County | 821 | 20.1% | $175,000 |
| Chippewa County | 663 | 20.1% | $145,000 |
| Alger County | 195 | 20.0% | $155,000 |
| Luce County | 135 | 20.0% | $115,000 |
| St. Clair County | 7,369 | 19.9% | $135,000 |
| Berrien County | 6,903 | 19.9% | $145,000 |
| Oscoda County | 382 | 19.9% | $120,000 |
| Iosco County | 896 | 19.8% | $135,000 |
| Lake County | 586 | 19.8% | $125,000 |
| Monroe County | 6,763 | 19.4% | $145,000 |
| Wexford County | 1,441 | 19.4% | $145,000 |
| Macomb County | 35,642 | 19.3% | $155,000 |
| Barry County | 3,003 | 19.1% | $155,000 |
| Newaygo County | 2,247 | 19.0% | $155,000 |
| Sanilac County | 1,288 | 18.9% | $135,000 |
| Crawford County | 616 | 18.7% | $135,000 |
| Missaukee County | 572 | 18.7% | $150,000 |
| Saginaw County | 5,777 | 18.6% | $115,000 |
| Ionia County | 2,462 | 18.6% | $155,000 |
| Delta County | 451 | 18.6% | $155,000 |
| Jackson County | 5,968 | 18.4% | $135,000 |
| Ontonagon County | 153 | 18.3% | $115,000 |
| Ingham County | 9,233 | 18.1% | $135,000 |
| Shiawassee County | 2,816 | 18.1% | $125,000 |
| Manistee County | 925 | 18.1% | $155,000 |
| Eaton County | 4,102 | 18.0% | $155,000 |
| Lenawee County | 3,732 | 18.0% | $135,000 |
| Alpena County | 616 | 18.0% | $135,000 |
| Van Buren County | 3,334 | 17.9% | $145,000 |
| Hillsdale County | 1,556 | 17.9% | $145,000 |
| Genesee County | 14,749 | 17.8% | $125,000 |
| Allegan County | 5,622 | 17.8% | $175,000 |
| Roscommon County | 1,418 | 17.8% | $145,000 |
| Mackinac County | 220 | 17.7% | $155,000 |
| Gladwin County | 1,177 | 17.6% | $135,000 |
| Mecosta County | 1,651 | 17.4% | $155,000 |
| Montmorency County | 493 | 17.4% | $125,000 |
| Tuscola County | 1,631 | 17.2% | $125,000 |
| Baraga County | 151 | 17.2% | $135,000 |
| Charlevoix County | 1,121 | 17.1% | $195,000 |
| Kalamazoo County | 9,838 | 17.0% | $145,000 |
| Mason County | 954 | 17.0% | $155,000 |
| Muskegon County | 7,742 | 16.9% | $145,000 |
| Otsego County | 1,205 | 16.8% | $165,000 |
| Oceana County | 968 | 16.8% | $155,000 |
| Huron County | 864 | 16.8% | $125,000 |
| Lapeer County | 3,659 | 16.7% | $165,000 |
| Montcalm County | 2,833 | 16.7% | $155,000 |
| Benzie County | 880 | 16.6% | $225,000 |
| Oakland County | 51,254 | 16.5% | $205,000 |
| Gogebic County | 442 | 16.5% | $105,000 |
| Bay County | 3,326 | 16.4% | $115,000 |
| Isabella County | 1,738 | 16.4% | $135,000 |
| Washtenaw County | 11,705 | 16.3% | $215,000 |
| Grand Traverse County | 4,101 | 16.3% | $215,000 |
| Kent County | 26,213 | 16.2% | $185,000 |
| Antrim County | 1,262 | 16.2% | $185,000 |
| Arenac County | 526 | 16.2% | $125,000 |
| Presque Isle County | 320 | 16.2% | $135,000 |
| St. Joseph County | 2,371 | 16.0% | $135,000 |
| Dickinson County | 551 | 15.8% | $125,000 |
| Livingston County | 8,635 | 15.7% | $205,000 |
| Clinton County | 2,923 | 15.5% | $175,000 |
| Ottawa County | 11,965 | 15.3% | $195,000 |
| Emmet County | 1,272 | 15.3% | $220,000 |
| Iron County | 478 | 15.3% | $95,000 |
| Midland County | 2,650 | 14.3% | $165,000 |
| Houghton County | 777 | 14.3% | $135,000 |
| Marquette County | 1,583 | 14.0% | $165,000 |
| Schoolcraft County | 138 | 13.8% | $125,000 |
| Leelanau County | 1,091 | 13.1% | $275,000 |
| Menominee County | 463 | 12.5% | $135,000 |
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Reading these numbers
The denial rate counts applications the lender acted on, so withdrawn files do not inflate it. A high rate does not automatically mean strict lenders: counties with many first-time or lower-income applicants tend to show higher denial rates because of debt-to-income and credit-history thresholds, which are the two reasons lenders report most often. Median loan amount and median applicant income are computed from the same application records, so they describe who is applying — not who ends up buying.
Source: Consumer Financial Protection Bureau, HMDA Data Browser (2025 loan application register). Latest observation 2026-08-23.