Muskegon County
Michigan · FIPS 26121
According to CFPB HMDA 2024 application volume among U.S. counties, Muskegon County ranks #380 of 3,223, and #11 of 83 in Michigan.
Mortgage lending activity in Muskegon 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. Muskegon County, Michigan lenders denied 1,289 of the applications reported here, financing the rest at an average note rate of 7.46%, with applicants self-reporting average annual income of $37K. 221 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 4.4x, meaning typical borrowers took on mortgages of about 4.4 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 Muskegon County
In Muskegon County, lead originator Lake Michigan Credit Union funded 18.0% of 4,200 originated loans, above the county fleet's upper tercile (~16.7% top-1). The top three reporters together hold 31.0% of the book, so a handful of names dominate disclosed volume here.
Counties With Similar Application Volume
Nationwide counties nearest to Muskegon County's 7,443 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Muskegon County's $164,378 average loan (deduped against volume peers).
Lenders active in Muskegon County
Lake Michigan Credit Union funded 754 of the 4,200 loans originated in Muskegon County, 18.0% of the county. 221 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Lake Michigan Credit Union | 754 | 18.0% |
| 2 | Huntington National Bank | 274 | 6.5% |
| 3 | Mortgage 1 Incorporated | 273 | 6.5% |
| 4 | Rocket Mortgage | 259 | 6.2% |
| 5 | Fifth Third Bank, National Association | 249 | 5.9% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Muskegon 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 Muskegon 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.