Lender in Michigan · HMDA 2025
The Dart Bank mortgages in Michigan
The Dart Bank's 2025 home-purchase and refinance lending in Michigan, compared with all lenders in the state.
The Dart Bank originated 1,932 owner-occupied single-family loans in Michigan from 2,079 completed applications, making it the state's #12 lender by volume.
Its median conventional purchase loan costs were $3,960 versus $4,140 for all Michigan lenders, at a median 30-year fixed rate of 6.625% (Michigan: 6.625%).
Loans in MI
1,932
of 2,079 applications
Denial rate
4.3%
Purchase · MI 7.8%
Rate spread
+0.16 pts
Conv. · MI +0.23 pts
Loan amount
$275,000
Purchase · MI $245,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 1,812 | 1,718 | 4.3% | 6.625% | +0.16 pts | $3,960 | $275,000 |
| Refinance | 201 | 167 | 15.4% | 6.625% | +0.13 pts | $3,280 | $305,000 |
| Cash-out refinance | 66 | 47 | 28.8% | 6.750% | +0.22 pts | $3,250 | $225,000 |
*Conventional loans only; medians with at least 20 loans.
Michigan counties where The Dart Bank ranks in the top 25
Showing the 30 counties where it ranks highest, of 40.
| County | Rank | Loans | Market share |
|---|---|---|---|
| Ingham County | 1 | 403 | 12.1% |
| Clinton County | 1 | 159 | 13.9% |
| Eaton County | 2 | 155 | 10.0% |
| Jackson County | 3 | 139 | 6.4% |
| Shiawassee County | 4 | 47 | 4.5% |
| Isabella County | 4 | 44 | 7.4% |
| Livingston County | 5 | 104 | 3.4% |
| Oscoda County | 6 | 3 | 3.3% |
| Clare County | 8 | 13 | 3.1% |
| Arenac County | 8 | 4 | 2.5% |
| Gratiot County | 9 | 11 | 2.6% |
| Antrim County | 9 | 5 | 1.8% |
| Ottawa County | 10 | 87 | 2.2% |
| Mecosta County | 10 | 14 | 3.0% |
| Huron County | 10 | 5 | 1.7% |
| Charlevoix County | 10 | 4 | 1.7% |
| Allegan County | 11 | 30 | 1.8% |
| Midland County | 13 | 20 | 1.8% |
| Otsego County | 13 | 4 | 1.3% |
| Washtenaw County | 14 | 83 | 2.0% |
| Lapeer County | 15 | 21 | 1.6% |
| Gladwin County | 15 | 5 | 1.4% |
| Ionia County | 17 | 15 | 1.7% |
| Barry County | 17 | 14 | 1.6% |
| Kent County | 18 | 106 | 1.2% |
| Leelanau County | 18 | 3 | 1.3% |
| Alpena County | 18 | 2 | 0.9% |
| Genesee County | 19 | 68 | 1.2% |
| Lenawee County | 19 | 15 | 1.2% |
| Roscommon County | 19 | 4 | 1.1% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology