Applications / Mortgage Analytics / Lenders / Michigan / Homesite Mortgage
Rochester, MI · Independent non-bank lender · CFPB · 44 loans in 2025
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44
loans originated, 2025
72
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Homesite Mortgage, a Michigan lender, has shrunk to 44 loans and turned toward government-insured home buying.
Its loans fell 40% in 2025, from 73, while similar lenders, independent non-bank lenders making between half and twice as many loans, grew 4%. It made 758 loans in 2020. One possibility is that it has narrowed to a smaller book of government-backed purchase loans, but the figures cannot say.
Loans insured by the Federal Housing Administration (FHA) were 45.5% of its lending, up from 23.3% in 2024 and 8.2% five years before. The typical similar lender made none. Conventional loans fell to 47.7%. Purchases were four in five of its loans.
Its typical loan was $160,000, down from $345,000 and below the $255,000 at similar lenders. Low- and moderate-income neighborhoods took 37.2% of its loans, more than at nine in ten similar lenders. Both fit its shift to FHA lending.
All its lending was in Michigan, across five metros and 11 counties, with Detroit and Ann Arbor its largest markets; it has lent in both since 2013. In Ann Arbor its share fell from 0.2% to almost nothing, which may simply follow from its smaller volume.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Homesite Mortgage took 72 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 79.5% · Refinance 20.5%
Conventional 47.7% · FHA 45.5% · VA 6.8% · of 44 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 | 44 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Detroit-Dearborn-Livonia | 24 |
| Warren-Troy-Farmington Hills | 12 |
| Ann Arbor | 2 |
| Kalamazoo-Portage | 1 |
| Lansing-East Lansing | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300WGEJKXK5PPHT03 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 4731076 | 2014–2023 |
| Respondent ID (the HMDA filer code before 2018) | 7200976388 |
Established 8 April 2004. Reported under HMDA 2013-2025.
Mergers, name changes, data editions and corrections: Homesite Mortgage's data.
Homesite Mortgage's data
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Homesite Mortgage and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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