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21st Mortgage in Michigan
HMDA record for properties in Michigan, calendar year 2024. National record · Michigan overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
21st Mortgage's 2024 HMDA record for Michigan covers 8,249 applications, 2,162 of them originated, worth $154m.
Its denial rate in the state was 63.8%, above the Michigan rate of 23.9% across all lenders and compared with the lender's national rate of 70.3%.
The median rate spread on its Michigan originations was 5.4 percentage points (state median 0.5).
Applications in the state were up 25% on 2023.
Compared with the state and the lender's national record
| Measure | In Michigan | Michigan, all lenders | 21st Mortgage, all states | United States |
|---|---|---|---|---|
| Denial rate | 63.8% | 23.9% | 70.3% | 24.3% |
| Median rate spread, pp | 5.4 | 0.5 | 4.2 | 0.3 |
| Originations with spread of 1.5 pp or more | 100.0% | 18.4% | 99.0% | 15.6% |
| Average originated loan | $71k | $212k | $114k | $329k |
| Home purchase share | 98.1% | 51.2% | 98.4% | 57.0% |
| FHA-insured share | 0.0% | 10.0% | 0.0% | 13.4% |
| VA-guaranteed share | 0.0% | 4.5% | 0.0% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateMichigan, all lenders
Loan purpose and loan type in Michigan
By purpose
Home purchase 98% (2,121)Home improvement 0% (8)Refinancing 1% (20)Cash-out refinancing 0% (6)Other purpose 0% (7)
By type
Conventional 100% (2,162)
Denial reasons as coded
Share of 3,926 denials in Michigan by first denial reason coded (outlined bar: all lenders in the state).
Counties in Michigan
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Oakland County | 1,148 | 351 | $21m | 58.3% |
| Macomb County | 863 | 262 | $16m | 58.3% |
| Wayne County | 907 | 253 | $17m | 62.1% |
| Kent County | 779 | 179 | $13m | 68.6% |
| Kalamazoo County | 573 | 138 | $8.5m | 67.1% |
| Ottawa County | 361 | 114 | $9.0m | 55.0% |
| Genesee County | 265 | 84 | $9.4m | 57.1% |
| Washtenaw County | 338 | 81 | $6.2m | 63.3% |
| Ingham County | 220 | 64 | $4.5m | 65.6% |
| Monroe County | 304 | 59 | $4.2m | 73.7% |
| St. Clair County | 258 | 56 | $3.9m | 64.8% |
| Livingston County | 190 | 45 | $3.2m | 67.6% |
| Barry County | 166 | 44 | $3.1m | 62.1% |
| Ionia County | 157 | 41 | $3.6m | 65.0% |
| Muskegon County | 150 | 38 | $2.3m | 67.5% |
| Clinton County | 121 | 36 | $2.5m | 57.1% |
| Berrien County | 124 | 28 | $1.8m | 66.3% |
| Calhoun County | 100 | 28 | $2.3m | 65.5% |
| Saginaw County | 99 | 24 | $1.5m | 66.2% |
| Allegan County | 107 | 23 | $1.6m | 65.7% |
| Branch County | 86 | 23 | $1.4m | 63.1% |
| Van Buren County | 60 | 18 | $1.1m | 58.7% |
| Lenawee County | 45 | 17 | $3.6m | 56.4% |
| Bay County | 47 | 16 | $1.0m | 48.5% |
| Eaton County | 61 | 13 | $885k | 69.0% |
| Lapeer County | 56 | 13 | $625k | 61.1% |
| Jackson County | 47 | 12 | $670k | 66.7% |
| Grand Traverse County | 65 | 11 | $1.3m | 76.5% |
| Midland County | 56 | 11 | $695k | 70.7% |
| Mecosta County | 30 | 11 | $595k | — |
| Isabella County | 48 | 9 | $525k | 78.0% |
| Gratiot County | 51 | 8 | $520k | 80.0% |
| Emmet County | 36 | 8 | $1.3m | 71.4% |
| Sanilac County | 29 | 8 | $570k | — |
| Newaygo County | 40 | 6 | $260k | 81.3% |
| Cass County | 28 | 2 | $120k | — |
| Shiawassee County | 25 | 2 | $1.2m | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did 21st Mortgage originate in Michigan in 2024?
2,162 loans totalling $154m, from 8,249 applications reported for properties in Michigan.
What is 21st Mortgage's denial rate in Michigan?
63.8% of decided applications in Michigan were denied, against 23.9% for all lenders in the state and 70.3% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which Michigan counties does 21st Mortgage lend in most?
By originations: Oakland County (351), Macomb County (262), Wayne County (253), Kent County (179), Kalamazoo County (138).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Michigan. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.