Ogemaw County
Michigan · FIPS 26129
According to CFPB HMDA 2024 application volume among U.S. counties, Ogemaw County ranks #1,580 of 3,210, and #55 of 83 in Michigan.
Mortgage lending activity in Ogemaw 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. Ogemaw County, Michigan saw 829 HMDA-reported mortgage applications in 2024. Lenders originated 444 of those loans and denied 156, producing a denial rate of 18.8% and an approval (origination) rate of 53.6%. The average loan amount was $136,556 at an average note rate of 7.35%, with applicants self-reporting average annual income of $36K. 108 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 3.8x, meaning typical borrowers took on mortgages of about 3.8 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 Ogemaw County
In Ogemaw County, lead originator Rocket Mortgage funded 13.5% of 444 originated loans, in the middle tercile of U.S. counties (~10.9-16.7% top-1). The top three reporters together hold 36.0% 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 Ogemaw County's 829 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Ogemaw County's $136,556 average loan (deduped against volume peers).
Lenders active in Ogemaw County
Rocket Mortgage funded 60 of the 444 loans originated in Ogemaw County, 13.5% of the county. 108 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Rocket Mortgage | 60 | 13.5% |
| 2 | Huntington National Bank | 54 | 12.2% |
| 3 | Mercantile Bank | 46 | 10.4% |
| 4 | United Wholesale Mortgage | 28 | 6.3% |
| 5 | Staunton Financial, INC. | 21 | 4.7% |
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 Ogemaw 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 Ogemaw 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.