County · MI
Multifamily lenders in Saginaw County, MI
16 lenders made 41 multifamily loans in Saginaw County, MI in 2024 and 2025, $53.1M in all. Isabella Bank made the most, with 12. The typical loan was about $300K. The county is part of the Saginaw, MI metro area.
- Evidence
- Multifamily loans placed in the county, HMDA
- Data as of
- HMDA 2025
- Page last changed
- November 11, 2026
- Lenders on record
- 16
- HMDA,
- Multifamily loans, 2024-25
- 41
- HMDA,
- Manufactured-home parks excluded
- Dollars
- $53.1M
- HMDA,
- Typical loan
- $300K
- HMDA,
Cite this
Source: The Lender Report, Multifamily lenders in Saginaw County, MI, https://lender.report/lenders-in/michigan/saginaw-county/, data as of December 31, 2025.
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| Lender | Kind | Based in | Loans | Dollars | 2025 loans | 2024 loans | Typical loan |
|---|---|---|---|---|---|---|---|
| Isabella Bank multifamily record | Bank | Mount Pleasant, MI | 12 | $4.92M | 5 | 7 | $220K |
| 1st State Bank multifamily record | Bank | Saginaw, MI | 8 | $5.68M | 5 | 3 | $320K |
| Horizon Bank multifamily record | Bank | Michigan City, IN | 4 | $3.81M | 2 | 2 | $300K |
| Frankenmuth Credit Union multifamily record | Credit union | Frankenmuth, MI | 3 | $1.78M | 3 | 0 | $280K |
| Velocity Commercial Capital LLC multifamily record | Non-bank | Westlake Village, CA | 2 | $340K | 1 | 1 | $180K |
| First Merchants Bank multifamily record | Bank | Muncie, IN | 1 | $14.0M | 1 | 0 | $14M |
| First American Bank multifamily record | Bank | Elk Grove Village, IL | 1 | $9.00M | 0 | 1 | $9M |
| Fifth Third Bank, National Association multifamily record | Bank | Cincinnati, OH | 1 | $7.60M | 1 | 0 | $7.6M |
| Lake Trust Credit Union multifamily record | Credit union | Brighton, MI | 1 | $1.90M | 1 | 0 | $1.9M |
| Regions Bank multifamily record | Bank | Birmingham, AL | 1 | $1.30M | 0 | 1 | $1.3M |
| RF Renovo Management Company, LLC multifamily record | Non-bank | Chicago, IL | 1 | $1.20M | 1 | 0 | $1.2M |
| The Dart Bank multifamily record | Bank | Mason, MI | 1 | $480K | 1 | 0 | $480K |
| Arbor Financial Credit Union | Credit union | Kalamazoo, MI | 1 | $300K | 0 | 1 | $300K |
| Citadel Servicing Corporation multifamily record | Non-bank | Irvine, CA | 1 | $200K | 0 | 1 | $200K |
| Wildfire Credit Union multifamily record | Credit union | Saginaw, MI | 1 | $180K | 0 | 1 | $180K |
| ChoiceOne Bank multifamily record | Bank | Sparta, MI | 1 | $100K | 1 | 0 | $100K |
| Loan size | Loans | Lenders |
|---|---|---|
| Under $1M | 29 | 10 |
| $1M to $2.5M | 8 | 6 |
| $2.5M to $5M | 1 | 1 |
| $5M to $10M | 2 | 2 |
| $10M or more | 1 | 1 |
- Lenders made 41 multifamily loans totaling $53.1M in Saginaw County, MI in 2024 and 2025. HMDA,
- 1 of these loans was made by lenders that have since merged or closed. They are counted in the totals here and appear in no lender's row. HMDA,
- 22 of the loans were made in 2025 and 19 in 2024. HMDA,
- The typical loan in Saginaw County, MI was about $300K, with the middle half between $180K and $1.2M. HMDA,
- 29 of the loans were under $1M, and 3 were $5M or more. HMDA,
- Lenders reported a median rate of 7.56% on 30 loans in Saginaw County, MI, with the middle half between 6.75% and 8.00%. HMDA,
- The median term was 5 years. HMDA,
- The median loan to value was 70%. HMDA,
- 44% of the loans were refinancings and 44% were purchases. HMDA,
- Banks and savings institutions made 30 of the loans, credit unions 6, and non-banks 4. HMDA,
- The five most active lenders made 70.7% of the loans. HMDA,
- The three most active lenders were Isabella Bank with 12, 1st State Bank with 8, and Horizon Bank with 4. HMDA,
- 8 of the 16 lenders are based in Michigan. The rest are based elsewhere, most often in California, Illinois and Indiana. HMDA,
- The most common property size was 5 to 24 units, with 31 loans. HMDA,
- Saginaw County, MI is part of the Saginaw, MI metro area, which has its own page. OMB metro list,
How this list is defined
- Measure
- Multifamily loans made in Saginaw County, MI
- Period
- 2024 and 2025
- Formula
- Count, by lender, of HMDA records for multifamily dwellings of 5 or more units placed in the county, manufactured-home parks excluded, for each year in which the public file holds 5 or more such loans in the county.
- Order
- Largest first by loans recorded in the place, then dollars, then name. Payment is not part of the order.
- As of
- 2025
- Source
- HMDA
- Changelog
- : First published, with the data built on this date.
What we don't know
- Whether any of these lenders is taking new loans today.
- What they charge or require beyond the rate and term that HMDA reports.
- Loans on office, retail, industrial or hotel property. HMDA covers dwelling-secured loans only.
A metro area or county is named for a year only when the public file holds 5 or more multifamily loans there that year, so a small place is never exposed by a count.
SBA loans are on record by state only, so this page has no SBA figures for the county. The state pages carry them.
HMDA covers dwelling-secured loans. Amounts are the midpoints of $10,000 bands, and each loan has a year, never a date.
Lenders that merged or stopped filing are left out.
Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem
Figures come from public records and show the source and date beside them. Public records can be late, incomplete or wrong. A past loan does not mean a lender will make the same kind of loan today. Confirm anything important with the lender.