Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Eaton County, Michigan
Every institution that decided a 1–4 unit mortgage application in Eaton County, home to Charlotte, between 2023 and 2025: 7,886 applications, 5,833 loans actually funded, across 8 kinds of borrowing.
Eaton County at a glance
7,886Applications decided
2023–2025
5,833Loans funded
74% of decisions
29Census tracts
9 ZIP codes
109,000People
ACS 2023
What the data shows
The typical purchase mortgage here is $205K.
Lending by loan type in Eaton County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 82.7% | 4,321 | $205K | 94% | 224 |
| Home improvement loans | 71.7% | 1,013 | $55K | 93% | 78 |
| Cash-out refinance | 69.7% | 1,435 | $135K | 93% | 122 |
| Refinance | 79.5% | 877 | $175K | 95% | 113 |
| Investment property purchase | 89.0% | 155 | $145K | 96% | 55 |
| Investment cash-out refinance | 75.0% | 48 | $125K | 94% | 29 |
| Investment refinance | 85.7% | 14 | $115K | 100% | 10 |
| Investment home improvement | 56.5% | 23 | $55K | 100% | 11 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.