Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Saginaw County, Michigan
Every institution that decided a 1–4 unit mortgage application in Saginaw County between 2023 and 2025: 11,208 applications, 8,566 loans actually funded, across 8 kinds of borrowing.
Saginaw County at a glance
11,208Applications decided
2023–2025
8,566Loans funded
76% of decisions
61Census tracts
16 ZIP codes
189,210People
ACS 2023
What the data shows
Lenders approved 88.4% of home-purchase applications in Saginaw County, 3.8 points above the Michigan rate.
The typical purchase mortgage here is $165K.
Lending by loan type in Saginaw County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 88.4% | 5,721 | $165K | 98% | 239 |
| Home improvement loans | 63.8% | 1,548 | $55K | 95% | 78 |
| Cash-out refinance | 66.8% | 2,001 | $105K | 96% | 129 |
| Refinance | 75.0% | 1,191 | $105K | 93% | 122 |
| Investment property purchase | 87.8% | 433 | $95K | 97% | 97 |
| Investment cash-out refinance | 70.8% | 168 | $75K | 96% | 50 |
| Investment refinance | 86.4% | 59 | $95K | 96% | 25 |
| Investment home improvement | 44.8% | 87 | $55K | 97% | 32 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.