Charlevoix County
Michigan · FIPS 26029
According to CFPB HMDA 2024 application volume among U.S. counties, Charlevoix County ranks #1,340 of 3,223, and #47 of 83 in Michigan.
Mortgage lending activity in Charlevoix County, Michigan based on lender filings under the Home Mortgage Disclosure Act (HMDA). Data covers all applications received by HMDA-reporting institutions operating in this county during 2024. Why mortgages get denied walks the denial-reason codes that appear in books like this one.
Local mortgage market. Charlevoix County, Michigan lenders denied 222 of the applications reported here, financing the rest at an average note rate of 7.60%, with applicants self-reporting average annual income of $37K. 124 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 7.3x, meaning typical borrowers took on mortgages of about 7.3 times their annual income. That ratio is a rough affordability signal: higher multiples imply tighter monthly budgets and greater exposure to rate or income shocks. See our methodology for how to read the denial rate against a local applicant pool. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Charlevoix County
In Charlevoix County, lead originator Huntington National Bank funded 16.0% of 607 originated loans, in the middle tercile of U.S. counties (~10.9-16.7% top-1). The top three reporters together hold 35.9% of the book; a local credit union or regional bank still sits beside the national wholesalers.
Counties With Similar Application Volume
Nationwide counties nearest to Charlevoix County's 1,106 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Charlevoix County's $269,675 average loan (deduped against volume peers).
Lenders active in Charlevoix County
Huntington National Bank funded 97 of the 607 loans originated in Charlevoix County, 16.0% of the county. 124 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Huntington National Bank | 97 | 16.0% |
| 2 | 4front Credit Union | 71 | 11.7% |
| 3 | Rocket Mortgage | 50 | 8.2% |
| 4 | Mercantile Bank | 45 | 7.4% |
| 5 | United Wholesale Mortgage | 43 | 7.1% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Charlevoix County, from the FFIEC/CFPB HMDA Snapshot National Loan-Level Dataset (2024) -- county FIPS codes follow U.S. Census Bureau standards. Not financial advice for Charlevoix County borrowers. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of 2026-08-10. HMDA figures are lender-filed application outcomes for a published reporting year - not creditworthiness scores, rate quotes, Loan Estimates, underwriting decisions, or mortgage advice.