Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Genesee County, Michigan
Every institution that decided a 1–4 unit mortgage application in Genesee County, home to Flint, between 2023 and 2025: 27,968 applications, 20,659 loans actually funded, across 8 kinds of borrowing.
Genesee County at a glance
27,968Applications decided
2023–2025
20,659Loans funded
74% of decisions
134Census tracts
21 ZIP codes
404,087People
ACS 2023
What the data shows
The typical purchase mortgage here is $185K.
Investment home improvement is the hardest money to get here: lenders approved 38% of 100 applications.
Lending by loan type in Genesee County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 84.9% | 15,090 | $185K | 94% | 309 |
| Home improvement loans | 65.5% | 3,820 | $55K | 93% | 100 |
| Cash-out refinance | 69.7% | 4,789 | $125K | 96% | 181 |
| Refinance | 77.0% | 2,939 | $195K | 93% | 182 |
| Investment property purchase | 83.2% | 703 | $95K | 96% | 133 |
| Investment cash-out refinance | 75.1% | 350 | $65K | 96% | 71 |
| Investment refinance | 77.4% | 177 | $75K | 99% | 39 |
| Investment home improvement | 38.0% | 100 | $55K | 79% | 29 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.