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2024 data HMDA 2024 disclosure official source

Crawford County

599 mortgage applications, 17.0% denial rate. Verify FIPS 26039 with U.S. Census Bureau →

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Michigan · FIPS 26039

Local mortgage market. Crawford County, Michigan saw 599 HMDA-reported mortgage applications in 2024. Lenders originated 321 of those loans and denied 102, producing a denial rate of 17.0% and an approval (origination) rate of 53.6%. The average loan amount was $148,489 at an average note rate of 7.35%, with applicants self-reporting average annual income of $38K. 79 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 3.9x, meaning typical borrowers took on mortgages of about 3.9 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.

FIPS 26039 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

599
Applications
321
Originated
17.0%
Denial Rate
53.6%
Approval Rate
$148,489
Avg Loan Amount
7.35%
Avg Interest Rate
$38K
Avg Applicant Income
3.9x
Loan-to-Income Ratio

Nearby Lenders in Crawford County

Top HMDA-reporting lenders active in this county. Compare any two side-by-side for rates, denial rates, and loan mix.

# Lender Originated Market Share
1 Rocket Mortgage 54 16.8%
2 Huntington National Bank 52 16.2%
3 Union Home Mortgage Corp. 43 13.4%
4 United Wholesale Mortgage 14 4.4%
5 Fifth Third Bank, National Association 13 4.0%
Compare Rocket Mortgage vs Huntington National Bank →

Frequently Asked Questions

How many mortgage applications were filed in Crawford County?
In the 2024 HMDA reporting year, 599 mortgage applications were filed in Crawford County, Michigan. Of these, 321 were originated (approved and funded), while 102 were denied, resulting in a denial rate of 17.0%.
What is the mortgage denial rate in Crawford County?
The mortgage denial rate in Crawford County is 17.0%. The approval (origination) rate is 53.6%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Crawford County?
The average mortgage loan amount in Crawford County is $148,489. The average interest rate is 7.350%. The average applicant income is $38K.
What is the loan-to-income ratio in Crawford County?
The average loan-to-income ratio in Crawford County is 3.9x, meaning borrowers took on loans averaging 3.9 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Crawford County?
The top mortgage lenders in Crawford County by origination volume are Rocket Mortgage, Huntington National Bank, Union Home Mortgage Corp.. In total, 79 lenders reported mortgage activity in this county.
Where does this mortgage data come from?
This data comes from the CFPB HMDA 2024 Snapshot National Loan-Level Dataset, a mandatory federal disclosure dataset covering all mortgage applications filed with HMDA-reporting institutions. County boundaries are identified by FIPS codes.

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.

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 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.