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2024 data HMDA 2024 disclosure official source

Roscommon County

1,370 mortgage applications, 16.9% denial rate. Verify FIPS 26143 with U.S. Census Bureau →

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Michigan · FIPS 26143

Local mortgage market. Roscommon County, Michigan saw 1,370 HMDA-reported mortgage applications in 2024. Lenders originated 754 of those loans and denied 232, producing a denial rate of 16.9% and an approval (origination) rate of 55.0%. The average loan amount was $151,314 at an average note rate of 7.28%, with applicants self-reporting average annual income of $37K. 144 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 4.1x, meaning typical borrowers took on mortgages of about 4.1 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 26143 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

1,370
Applications
754
Originated
16.9%
Denial Rate
55.0%
Approval Rate
$151,314
Avg Loan Amount
7.28%
Avg Interest Rate
$37K
Avg Applicant Income
4.1x
Loan-to-Income Ratio

Nearby Lenders in Roscommon 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 90 11.9%
2 Huntington National Bank 72 9.5%
3 United Wholesale Mortgage 49 6.5%
4 Ark-La-Tex Financial Services LLC 40 5.3%
5 Mortgage Research Center 20 2.7%
Compare Rocket Mortgage vs Huntington National Bank →

Frequently Asked Questions

How many mortgage applications were filed in Roscommon County?
In the 2024 HMDA reporting year, 1,370 mortgage applications were filed in Roscommon County, Michigan. Of these, 754 were originated (approved and funded), while 232 were denied, resulting in a denial rate of 16.9%.
What is the mortgage denial rate in Roscommon County?
The mortgage denial rate in Roscommon County is 16.9%. The approval (origination) rate is 55.0%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Roscommon County?
The average mortgage loan amount in Roscommon County is $151,314. The average interest rate is 7.284%. The average applicant income is $37K.
What is the loan-to-income ratio in Roscommon County?
The average loan-to-income ratio in Roscommon County is 4.1x, meaning borrowers took on loans averaging 4.1 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Roscommon County?
The top mortgage lenders in Roscommon County by origination volume are Rocket Mortgage, Huntington National Bank, United Wholesale Mortgage. In total, 144 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.