Applications / Mortgage Analytics / Lenders / Michigan / BLG Holdings
Flint, MI · Independent non-bank lender · CFPB · 485 loans in 2025
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485
loans originated, 2025
572
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
BLG Holdings is a Flint, Michigan purchase lender whose small loans reach far more low- and moderate-income borrowers than similar lenders do.
Its typical loan was $185,000, against $330,000 at similar lenders, independent non-bank lenders making between half and twice as many loans; fewer than a tenth of them lent smaller sums. Of its borrowers, 41.8% had low or moderate incomes, against 24.6% at similar lenders. Purchases made up 90.9% of its loans.
Loans insured by the Federal Housing Administration made up 27.6% of its lending, against 19.8% at similar lenders. Rural loans guaranteed by the Department of Agriculture's Rural Housing Service were 3.5%, a type similar lenders barely make. Its purchase denial rate was 1.4%, lower than at most similar lenders.
In Flint it ranked 11 of 285 lenders, but its share slipped from 2.2% to 1.9%; in Saginaw it fell from 2.4% to 1.7%. Its loans rose 2%, in step with similar lenders, while the whole market grew 10%, so faster-growing rivals are one plausible reason. In Bay City its share edged up, from 0.9% to 1.0%.
Only 5.0% of its loans went to majority-minority neighborhoods, against 25.9% at similar lenders. Its lending is concentrated in Flint, Saginaw, Bay City and rural Michigan, and the mix of neighborhoods in those markets may account for much of the gap.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. BLG Holdings took 572 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 90.9% · Refinance 9.1%
Conventional 64.9% · FHA 27.6% · VA 3.9% · USDA (RHS or FSA) 3.5% · of 485 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Michigan | 476 | 98.1% |
| Florida | 9 | 1.9% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Flint | 158 |
| Warren-Troy-Farmington Hills | 70 |
| Saginaw | 56 |
| Detroit-Dearborn-Livonia | 23 |
| Bay City | 20 |
| Midland | 12 |
| Lansing-East Lansing | 10 |
| Monroe | 7 |
| Grand Rapids-Wyoming-Kentwood | 4 |
| Traverse City | 3 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300SKVC0LU4RBMF20 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 4878092 | 2015–2023 |
| Respondent ID (the HMDA filer code before 2018) | 7271970388 |
Established 18 February 2010. Reported under HMDA 2014-2025.
Mergers, name changes, data editions and corrections: BLG Holdings's data.
BLG Holdings's data
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