Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Bay County, Michigan
Every institution that decided a 1–4 unit mortgage application in Bay County between 2023 and 2025: 6,611 applications, 5,257 loans actually funded, across 8 kinds of borrowing.
Bay County at a glance
6,611Applications decided
2023–2025
5,257Loans funded
80% of decisions
27Census tracts
9 ZIP codes
103,235People
ACS 2023
What the data shows
Lenders approved 89.5% of home-purchase applications in Bay County, 4.9 points above the Michigan rate.
The typical purchase mortgage here is $145K.
Lending by loan type in Bay County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 89.5% | 3,492 | $145K | 97% | 193 |
| Home improvement loans | 70.0% | 866 | $45K | 95% | 62 |
| Cash-out refinance | 73.4% | 1,280 | $105K | 96% | 104 |
| Refinance | 79.4% | 588 | $115K | 93% | 86 |
| Investment property purchase | 89.2% | 249 | $95K | 99% | 79 |
| Investment cash-out refinance | 74.0% | 77 | $95K | 96% | 38 |
| Investment refinance | 83.3% | 36 | $75K | 93% | 20 |
| Investment home improvement | 56.5% | 23 | $55K | 100% | 16 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.