Branch County, MI Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Branch County, MI distress report, 2026: 13 ZIPs scored in Branch, MI, Branch, MI average 17/100; the top Branch, MI ZIP is 49245 at 22/100; Branch, MI market phase peak, Branch, MI prices +4.2% year over year.
- Branch, MI ranks #1,054 nationally (opportunity index); Branch, MI #34 in Michigan; Branch, MI index 31.0.
- Branch, MI: no CFPB county sample; Branch, MI non-metro area reading 1.0%.
- Branch, MI ZIP phases: 9 peak, 4 expansion.
- Branch, MI residential listings tracked: 7 across 6 ZIPs; Branch, MI candidate listings 4.
- Branch, MI HUD assisted properties: 3 with 100 units.
- Branch, MI lenders on watch: 3; largest Branch, MI footprint Southern Michigan Bank&Trust (6 branches).
- Branch, MI most distressed ZIP: 49245 at 22/100.
Branch, MI figures: DLRadar distress index; Branch, MI inputs: CFPB, FHFA, HUD, FDIC; Branch, MI rebuilt as sources refresh.
| Rank | Branch, MI ZIP | Score |
|---|---|---|
| 1 | 49245 | 22/100 |
| 2 | 49011 | 21/100 |
| 3 | 49092 | 21/100 |
| 4 | 49094 | 19/100 |
| 5 | 49028 | 17/100 |
| 6 | 49036 | 17/100 |
| 7 | 49082 | 17/100 |
| 8 | 49089 | 17/100 |
| 9 | 49252 | 15/100 |
| 10 | 49255 | 15/100 |
| 11 | 49274 | 14/100 |
| 12 | 49040 | 12/100 |
Most distressed Branch, MI ZIPs (0-100, 2026)
Mortgage delinquency around Branch, MI
No CFPB county sample covers Branch, MI; the non-metro area reading for Branch, MI: 1.0% ninety-plus; Branch, MI area thirty-to-eighty-nine 2.6% (December 2025, Branch, MI); Michigan overall 0.9%.
Opportunity index: Branch, MI
Branch, MI index 31.0, Branch, MI phase watchlist; Branch, MI primary driver vacancy, Branch, MI second driver bank institutional. Branch, MI components: property stress 17.8, foreclosure pressure 18.2, listing discounts 28.3, bank stress 61.9, insurance 0.0; Branch, MI pulse 36.7; Branch, MI capital opportunity 22.5; Branch, MI seven-day change +0.2%.
ZIP market phases inside Branch, MI
13 Branch, MI ZIPs carry a price-cycle phase; Branch, MI ZIPs by phase (Branch, MI), deepest drawdown first: expansion, +8.2% YoY (Branch, MI): 49011; peak, +4.2% YoY (Branch, MI): 49028, 49030, 49036, 49040, Branch, MI 49082, 49089, 49255, 49274; expansion, +7.4% YoY (Branch, MI): 49092; expansion, +5.2% YoY (Branch, MI): 49094; expansion, +8.5% YoY (Branch, MI): 49245; peak, +4.5% YoY (Branch, MI): 49252.
Residential listings by Branch, MI ZIP
Branch, MI ZIPs with the most tracked Branch, MI residential listings: 49036 4 listings, 2 candidates, bank pressure 68; 49089 2 listings, 2 candidates, bank pressure 68; 49082 1 listings, 0 candidates, bank pressure 68; 49028 0 listings, 0 candidates, bank pressure 68 (Branch, MI); 49094 0 listings, 0 candidates, bank pressure 71; 49255 0 listings, 0 candidates, bank pressure 68. Branch, MI totals: 7 listings; Branch, MI candidates 4; active ZIPs 1.
HUD assisted housing in Branch, MI
3 assisted properties with 100 units sit in Branch, MI; largest Branch, MI properties: Whispering Pines Ii (Coldwater) 44 units; Coldwater Crossing (Coldwater) 38 units, 38 assisted; Horizon Apartments (Coldwater) 18 units, 17 assisted in Branch, MI.
Lenders with branches in Branch, MI
Branch, MI lenders by branch count: Southern Michigan Bank&Trust (Branch, MI): stress 76, 6 branches low in Branch, MI; Century Bank&Trust (Branch, MI): stress 40, 5 branches low in Branch, MI; Sturgis Bank&Trust Co (Branch, MI): stress 77, 1 branch low in Branch, MI.
Vacancy and permits, Branch, MI
4,065 of 20,971 Branch, MI housing units are vacant; Branch, MI permits, twelve months: 0 multifamily units in Branch, MI, 40 one-to-four unit units.
Work Branch, MI at the parcel level
Every Branch, MI parcel carries owner and address; every Branch, MI parcel carries APN; Branch, MI distress scores sit on the Branch, MI live board.
Branch, MI figures refresh with each source.
Branch, MI questions
Most distressed ZIP code in Branch County, MI?
ZIP 49245 leads Branch, MI at 22/100; next in Branch, MI: 49011 at 21/100; the Branch, MI average is 17/100.
Where does Branch County, MI rank for investment opportunity?
Branch, MI is #1,054 among all ranked counties, #34 in Michigan; the Branch, MI driver is vacancy; Branch, MI moved down 301 places.
How many mortgages are delinquent in Branch County, MI?
Branch, MI takes the non-metro area reading of 1.0% for December 2025; no CFPB county sample covers Branch, MI.
Which banks lend in Branch County, MI?
3 watched lenders hold Branch, MI branches; the largest Branch, MI footprints are Southern Michigan Bank&Trust (6), Century Bank&Trust (5), Sturgis Bank&Trust Co (1).
More on Branch, MI
Branch County, MI distress report: public-record figures for Branch, MI; not legal advice for Branch, MI; not tax or investment advice; verify every Branch, MI record before acting.