Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Livingston County, Michigan
Every institution that decided a 1–4 unit mortgage application in Livingston County, home to Howell, between 2023 and 2025: 16,673 applications, 12,902 loans actually funded, across 8 kinds of borrowing.
Livingston County at a glance
16,673Applications decided
2023–2025
12,902Loans funded
77% of decisions
60Census tracts
12 ZIP codes
195,143People
ACS 2023
What the data shows
The typical purchase mortgage here is $315K.
Lending by loan type in Livingston County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 86.3% | 8,001 | $315K | 95% | 284 |
| Home improvement loans | 75.6% | 3,140 | $75K | 94% | 121 |
| Cash-out refinance | 77.0% | 2,740 | $135K | 95% | 182 |
| Refinance | 81.6% | 2,308 | $265K | 94% | 173 |
| Investment property purchase | 84.3% | 287 | $255K | 97% | 109 |
| Investment cash-out refinance | 68.7% | 83 | $175K | 91% | 40 |
| Investment refinance | 81.6% | 76 | $285K | 97% | 29 |
| Investment home improvement | 47.4% | 38 | $85K | 78% | 23 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.