Clinton County
Michigan · FIPS 26037
According to CFPB HMDA 2024 application volume among U.S. counties, Clinton County ranks #757 of 3,210, and #27 of 83 in Michigan.
Mortgage lending activity in Clinton 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. Clinton County, Michigan saw 2,764 HMDA-reported mortgage applications in 2024. Lenders originated 1,676 of those loans and denied 448, producing a denial rate of 16.2% and an approval (origination) rate of 60.6%. The average loan amount was $192,663 at an average note rate of 7.52%, with applicants self-reporting average annual income of $36K. 152 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 5.4x, meaning typical borrowers took on mortgages of about 5.4 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 Clinton County
In Clinton County, lead originator Msu Federal Credit Union funded 13.9% of 1,676 originated loans, in the middle tercile of U.S. counties (~10.9-16.7% top-1). The top three reporters together hold 30.4% 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 Clinton County's 2,764 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Clinton County's $192,663 average loan (deduped against volume peers).
Lenders active in Clinton County
Msu Federal Credit Union funded 233 of the 1,676 loans originated in Clinton County, 13.9% of the county. 152 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Msu Federal Credit Union | 233 | 13.9% |
| 2 | Dart Bank | 139 | 8.3% |
| 3 | Rocket Mortgage | 137 | 8.2% |
| 4 | Union Home Mortgage Corp. | 114 | 6.8% |
| 5 | Fifth Third Bank, National Association | 97 | 5.8% |
Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024. County FIPS codes per U.S. Census Bureau standards.
Data from FFIEC / CFPB HMDA Snapshot National Loan-Level Dataset (2024). Provided for informational purposes only; does not constitute financial advice for Clinton County borrowers.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. This Clinton County page draws directly on CFPB HMDA federal source data, no figure is typed in by an editor. 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.