Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Washtenaw County, Michigan
Every institution that decided a 1–4 unit mortgage application in Washtenaw County, home to Ann Arbor, between 2023 and 2025: 22,934 applications, 17,001 loans actually funded, across 8 kinds of borrowing.
Washtenaw County at a glance
22,934Applications decided
2023–2025
17,001Loans funded
74% of decisions
107Census tracts
14 ZIP codes
368,394People
ACS 2023
What the data shows
The typical purchase mortgage here is $325K.
Investment home improvement is the hardest money to get here: lenders approved 46% of 106 applications.
Lending by loan type in Washtenaw County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 83.6% | 12,182 | $325K | 92% | 331 |
| Home improvement loans | 73.3% | 3,548 | $105K | 91% | 121 |
| Cash-out refinance | 73.9% | 2,987 | $135K | 95% | 187 |
| Refinance | 79.0% | 2,774 | $265K | 94% | 193 |
| Investment property purchase | 90.1% | 887 | $265K | 95% | 161 |
| Investment cash-out refinance | 75.0% | 252 | $205K | 90% | 73 |
| Investment refinance | 80.3% | 198 | $255K | 97% | 47 |
| Investment home improvement | 46.2% | 106 | $105K | 92% | 41 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.