Keweenaw County
Michigan · FIPS 26083
According to CFPB HMDA 2024 application volume among U.S. counties, Keweenaw County ranks #2,996 of 3,223, and #83 of 83 in Michigan.
Mortgage lending activity in Keweenaw 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. Keweenaw County, Michigan lenders denied 6 of the applications reported here, financing the rest at an average note rate of 7.60%, with applicants self-reporting average annual income of $31K. 19 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 5.0x, meaning typical borrowers took on mortgages of about 5.0 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 Keweenaw County
In Keweenaw County, lead originator Superior National Bank funded 21.4% of 42 originated loans, above the county fleet's upper tercile (~16.7% top-1). The top three reporters together hold 47.6% of the book, so a handful of names dominate disclosed volume here.
Counties With Similar Application Volume
Nationwide counties nearest to Keweenaw County's 61 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Keweenaw County's $155,328 average loan (deduped against volume peers).
Lenders active in Keweenaw County
Superior National Bank funded 9 of the 42 loans originated in Keweenaw County, 21.4% of the county. 19 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Superior National Bank | 9 | 21.4% |
| 2 | Range Bank | 6 | 14.3% |
| 3 | Incrediblebank | 5 | 11.9% |
| 4 | Rocket Mortgage | 4 | 9.5% |
| 5 | Royal United Mortgage LLC | 2 | 4.8% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Keweenaw 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 Keweenaw 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.