Lake County, MI Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Lake County, MI distress report, 2026: 11 ZIPs scored in Lake, MI, Lake, MI average 15/100; the top Lake, MI ZIP is 49309 at 22/100; Lake, MI market phase expansion, Lake, MI prices +5.5% year over year.
- Lake, MI ranks #318 nationally (opportunity index); Lake, MI #15 in Michigan; Lake, MI index 34.6.
- Lake, MI: no CFPB county sample; Lake, MI non-metro area reading 1.0%.
- Lake, MI ZIP phases: 9 expansion, 2 peak.
- Lake, MI residential listings tracked: 28 across 6 ZIPs; Lake, MI candidate listings 13.
- Lake, MI lenders on watch: 1; largest Lake, MI footprint Lake-Osceola State Bank (3 branches).
- Lake, MI most distressed ZIP: 49309 at 22/100.
Lake, MI figures: DLRadar distress index; Lake, MI inputs: CFPB, FHFA, HUD, FDIC; Lake, MI rebuilt as sources refresh.
| Rank | Lake, MI ZIP | Score |
|---|---|---|
| 1 | 49309 | 22/100 |
| 2 | 49601 | 20/100 |
| 3 | 49655 | 19/100 |
| 4 | 49688 | 19/100 |
| 5 | 49677 | 17/100 |
| 6 | 49304 | 13/100 |
| 7 | 49623 | 13/100 |
| 8 | 49642 | 13/100 |
| 9 | 49656 | 13/100 |
| 10 | 49644 | 12/100 |
| 11 | 49402 | 9/100 |
Most distressed Lake, MI ZIPs (0-100, 2026)
Mortgage delinquency around Lake, MI
No CFPB county sample covers Lake, MI; the non-metro area reading for Lake, MI: 1.0% ninety-plus; Lake, MI area thirty-to-eighty-nine 2.6% (December 2025, Lake, MI); Michigan overall 0.9%.
Opportunity index: Lake, MI
Lake, MI index 34.6, Lake, MI phase peak_opportunity; Lake, MI primary driver vacancy, Lake, MI second driver bank institutional. Lake, MI components: property stress 25.2, foreclosure pressure 24.7, listing discounts 38.0, bank stress 56.6, insurance 0.0; Lake, MI pulse 38.4; Lake, MI capital opportunity 29.0; Lake, MI seven-day change +0.2%.
ZIP market phases inside Lake, MI
11 Lake, MI ZIPs carry a price-cycle phase; Lake, MI ZIPs by phase (Lake, MI), deepest drawdown first: expansion, +5.5% YoY (Lake, MI): 49304, 49309, 49623, 49642, Lake, MI 49655, 49656, 49677, 49688; peak, +4.9% YoY (Lake, MI): 49402; peak, +4.3% YoY (Lake, MI): 49601; expansion, +5.4% YoY (Lake, MI): 49644.
Residential listings by Lake, MI ZIP
Lake, MI ZIPs with the most tracked Lake, MI residential listings: 49304 12 listings, 4 candidates, bank pressure 55; 49644 9 listings, 7 candidates, bank pressure 66; 49642 5 listings, 2 candidates, bank pressure 55; 49402 2 listings, 0 candidates, bank pressure 67 (Lake, MI); 49623 0 listings, 0 candidates, bank pressure 55; 49656 0 listings, 0 candidates, bank pressure 55. Lake, MI totals: 28 listings; Lake, MI candidates 13; active ZIPs 0.
Lenders with branches in Lake, MI
Lake, MI lenders by branch count: Lake-Osceola State Bank (Lake, MI): stress 55, 3 branches low in Lake, MI.
Vacancy and permits, Lake, MI
8,271 of 13,461 Lake, MI housing units are vacant; Lake, MI permits, twelve months: 0 multifamily units in Lake, MI, 32 one-to-four unit units.
Work Lake, MI at the parcel level
Every Lake, MI parcel carries owner and address; every Lake, MI parcel carries APN; Lake, MI distress scores sit on the Lake, MI live board.
Lake, MI figures refresh with each source.
Lake, MI questions
Most distressed ZIP code in Lake County, MI?
ZIP 49309 leads Lake, MI at 22/100; next in Lake, MI: 49601 at 20/100; the Lake, MI average is 15/100.
Where does Lake County, MI rank for investment opportunity?
Lake, MI is #318 among all ranked counties, #15 in Michigan; the Lake, MI driver is vacancy; Lake, MI moved up 199 places.
How many mortgages are delinquent in Lake County, MI?
Lake, MI takes the non-metro area reading of 1.0% for December 2025; no CFPB county sample covers Lake, MI.
Which banks lend in Lake County, MI?
1 watched lenders hold Lake, MI branches; the largest Lake, MI footprints are Lake-Osceola State Bank (3).
More on Lake, MI
Lake County, MI distress report: public-record figures for Lake, MI; not legal advice for Lake, MI; not tax or investment advice; verify every Lake, MI record before acting.