Alger County, MI Mortgage Lenders & HMDA Data, 2009
In 2009, lenders reported 329 mortgage applications in Alger County, MI totaling $42.7 million, up 6% from 2008. The average application was for $129,000, and applicants reported an average income of $78,000. 54% of applications resulted in an originated loan and 17% were denied. The most active lender was Wells Fargo Bank, NA, with 114 applications, followed by PHH Mortgage Corporation and Citizens Bank.
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| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 329 |
| Total Mortgage Loan Application Amount | $42,690,000 |
| Average Mortgage Loan Application Amount | $129,000 |
| Highest Mortgage Loan Application Amount | $815,000 |
| Average Applicant Income | $78,000 |
| Highest Applicant Income | $1,085,000 |
* Phone Numbers for Mortgage Lenders are available with a Data Download Report
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 538,958,000,000 | 114 | $ 14,708,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 22 | $ 2,162,000 |
| Citizens Bank 328 S SAGINAW ST FLINT, MI 48502 |
* | $ 12,266,600,000 | 21 | $ 1,915,000 |
| Incrediblebank 327 N 17TH AVE WAUSAU, WI 54401 |
* | $ 917,297,000 | 15 | $ 2,674,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,746,242,000,000 | 13 | $ 1,504,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,471,631,047,000 | 13 | $ 1,681,000 |
| Associated Bank, N.A. 200 N ADAMS ST GREEN BAY, WI 54301 |
* | $ 23,843,152,000 | 8 | $ 951,000 |
| Citibank, N.A. 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,227,040,000,000 | 7 | $ 310,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 32,882,574,000 | 6 | $ 1,214,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 5 | $ 391,000 |
| First National Bank of America 241 EAST SAGINAW EAST LANSING, MI 48823 |
* | $ 409,625,000 | 5 | $ 237,000 |
| Mbank 130 S CEDAR ST MANISTIQUE, MI 49854 |
* | $ 452,006,000 | 4 | $ 633,000 |
| Qr Lending Inc 555 ZOR SHRINE PLACE MADISON, WI 53719 |
* | $ 1,093,327,000 | 4 | $ 577,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 4 | $ 672,000 |
| Countrywide Bank FSB 30930 RUSSELL RANCH ROAD MS CA6-916-02-0 WESTLAKE VILLAGE, CA 91362 |
* | $ 117,978,966,000 | 4 | $ 475,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 69,459,606,000 | 3 | $ 320,000 |
| Midwest Loan Solutions, Inc. 29777 TELEGRAPH RD. SUITE 3580 SOUTHFIELD, MI 48034 |
* | $ 46,200,000 | 3 | $ 198,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 32,584,979,000 | 2 | $ 381,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 14,157,838,000 | 2 | $ 320,000 |
| Thrivent Financial Bank 122 EAST COLLEGE AVE., SUITE 1E APPLETON, WI 54911 |
* | $ 542,847,000 | 2 | $ 262,000 |
| Capital One NA 11130 INDUSTRIALPLEX BLVD BATON ROUGE, LA 70809 |
* | $ 115,142,306,000 | 2 | $ 22,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 261,775,591,000 | 2 | $ 459,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 140,777,455,000 | 2 | $ 562,000 |
| Johnson Bank 555 MAIN STREET SUITE 490 RACINE, WI 53403 |
* | $ 5,386,439,000 | 2 | $ 312,000 |
| The Northern Trust Company 50 S. LA SALLE, M-20 CHICAGO, IL 60603 |
* | $ 70,433,589,000 | 2 | $ 1,080,000 |
| Fifth Third Bank 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 69,459,606,000 | 2 | $ 158,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 185,098,787,000 | 2 | $ 143,000 |
| Lake Forest Bank & Trust Co 727 N. BANK LANE LAKE FOREST, IL 60045 |
* | $ 1,654,207,000 | 2 | $ 796,000 |
| Greenstone Farm Credit Services 3515 WEST RD EAST LANSING, MI 48823 |
* | $ 10,000,000 | 2 | $ 125,000 |
| Mortgage Center Lc 26555 EVERGREEN RD SUITE 900 SOUTHFIELD, MI 48076 |
* | $ 30,000,000 | 2 | $ 348,000 |
| Mountain States Mortgage 1333 E 9400 S SANDY, UT 84093 |
* | $ 10,000,000 | 2 | $ 396,000 |
| Nationwide Mortgage Concepts, 40380 DESERT CREEK LANE RANCHO MIRAGE, CA 92270 |
* | $ 10,000,000 | 1 | $ 188,000 |
| Allied Home Mortgage Corp. 6110 PINEMONT DR., STE. 220 HOUSTON, TX 77092 |
* | $ 10,000,000 | 1 | $ 153,000 |
| Mms Mortgage Services, Ltd. 38275 TWELVE MILE RD., SUITE 100 FARMINGTON HILLS, MI 48331 |
* | $ 5,598,000 | 1 | $ 89,000 |
| Franklin American Mortgage Co 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 1 | $ 300,000 |
| Provident Funding Associates 1235 NORTH DUTTON AVE STE E SANTA ROSA, CA 95401 |
* | $ 10,000,000 | 1 | $ 130,000 |
| American Internet Mortgage, Inc. 4121 CAMINO DEL RIO SOUTH SAN DIEGO, CA 92108 |
* | $ 10,000,000 | 1 | $ 89,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 1 | $ 105,000 |
| D & R Mortgage Corp 29870 MIDDLEBELT ROAD FARMINGTON HILLS, MI 48334 |
* | $ 10,000,000 | 1 | $ 191,000 |
| Home Loan Center 163 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 1 | $ 204,000 |
| Mld Mortgage Inc. 30B VREELAND ROAD FLORHAM PARK, NJ 07932 |
* | $ 10,000,000 | 1 | $ 164,000 |
| Towne Mortgage Company 888 WEST BIG BEAVER ROAD SUITE 310 TROY, MI 48084 |
* | $ 10,000,000 | 1 | $ 60,000 |
| Arbor Mortgage Corporation 2311 EAST BELTLINE AVE SE 200 GRAND RAPIDS, MI 49546 |
* | $ 15,555,000 | 1 | $ 40,000 |
| Member First Mortgage, LLC 616 44TH STREET SE GRAND RAPIDS, MI 49548 |
* | $ 11,800,000 | 1 | $ 125,000 |
| Msu Federal Credit Union 3777 WEST ROAD EAST LANSING, MI 48823 |
* | $ 1,569,230,000 | 1 | $ 149,000 |
| Wildfire Credit Union 6640 BAY RD SAGINAW, MI 48605 |
* | $ 454,334,000 | 1 | $ 111,000 |
| Freestar Financial Credit Union PO BOX 2800 MT. CLEMENS, MI 48046 |
* | $ 140,613,000 | 1 | $ 62,000 |
| Michigan Educational 9200 HAGGERTY ROAD PLYMOUTH, MI 48170 |
* | $ 501,642,000 | 1 | $ 95,000 |
| Andigo Credit Union 1501 E WOODFIELD RD SCHAUMBURG, IL 60173 |
* | $ 678,003,000 | 1 | $ 128,000 |
| Fox Communities Credit Union 3401 E CALUMET STREET APPLETON, WI 54913 |
* | $ 680,499,000 | 1 | $ 75,000 |
| Mycumortgage 3560 PENTAGON BLVD. SUITE 301 BEAVERCREEK, OH 45431 |
* | $ 1,159,238,000 | 1 | $ 128,000 |
| Sterling National Mortgage Co. 98 CUTTERMILL RD GREAT NECK, NY 11021 |
* | $ 964,388,000 | 1 | $ 97,000 |
| Merrill Lynch Credit Corp 4500 PARK GRANADA CA7-910-01-24 CALABASAS, CA 91302 |
* | $ 2,223,299,000 | 1 | $ 123,000 |
| Stephenson National Bank & Trust 1820 HALL AVE MARINETTE, WI 54143 |
* | $ 252,611,000 | 1 | $ 128,000 |
| The Huntington National Bank 7575 HUNTINGTON PARK DR COLUMBUS, OH 43235 |
* | $ 53,586,626,000 | 1 | $ 176,000 |
| Harris N.A. 111 W. MONROE CHICAGO, IL 60603 |
* | $ 67,306,679,000 | 1 | $ 302,000 |
| Texas National Bank of Jacksonville 1518 E GRANDE BLVD TYLER, TX 75703 |
* | $ 171,720,000 | 1 | $ 119,000 |
| Ameriprise Bank, FSB 707 2ND AVENUE SOUTH MINNEAPOLIS, MN 55474 |
* | $ 1,476,384,000 | 1 | $ 108,000 |
| Liberty Savings Bank, FSB 2251 ROMBACH AVE. WILMINGTON, OH 45177 |
* | $ 1,519,961,000 | 1 | $ 79,000 |
| The Dart Mortgage Co., LLC 368 S. PARK ST., P.O. BOX 40 MASON, MI 48854 |
* | $ 218,941,000 | 1 | $ 203,000 |
| First State Mortgage Services 502 N HERSHEY ROAD BLOOMINGTON, IL 61704 |
* | $ 327,995,000 | 1 | $ 51,000 |
| First Federal Savings Bank 633 LASALLE STREET OTTAWA, IL 61350 |
* | $ 436,910,000 | 1 | $ 30,000 |
| Independent Mortgage Co 230 W MAIN ST IONIA, MI 48846 |
* | $ 2,953,214,000 | 1 | $ 87,000 |
| Citifinancial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 1 | $ 11,000 |
| Fifth Third Mortgage, Mi LLC 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 48,969,000 | 1 | $ 185,000 |
| Rockford Bank and Trust Company 4571 GUILFORD ROAD ROCKFORD, IL 61107 |
* | $ 228,828,000 | 1 | $ 400,000 |
| Byron Bank 200 N WALNUT ST BYRON, IL 61010 |
* | $ 191,515,000 | 1 | $ 37,000 |
| Branch Banking and Trust Co 223 W NASH STREET WILSON, NC 27893 |
* | $ 147,483,646,000 | 1 | $ 191,000 |
| New York Community Bank 1 JERICHO PLAZA JERICHO, NY 11753 |
* | $ 30,307,736,000 | 1 | $ 52,000 |
| United Mortgage Company-Washte 2723 S STATE ST ANN ARBOR, MI 48106 |
* | $ 177,163,000 | 1 | $ 104,000 |
The tables below break down 2009 mortgage applications in Alger County, MI by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Alger County, MI in 2009
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Refinancing | 253 | $36,664,000 | $144,000 | $815,000 | $83,000 | $1,085,000 |
| Home Purchase | 55 | $5,133,000 | $93,000 | $400,000 | $71,000 | $542,000 |
| Home Improvement | 21 | $893,000 | $42,000 | $140,000 | $31,000 | $59,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 268 | $36,544,000 | $136,000 | $815,000 | $87,000 | $1,085,000 |
| Not Provided | 29 | $2,735,000 | $94,000 | $180,000 | $43,000 | $205,000 |
| Not applicable | 27 | $3,038,000 | $112,000 | $289,000 | $20,000 | $95,000 |
| American Indian or Alaskan Native | 5 | $373,000 | $74,000 | $200,000 | $71,000 | $118,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 276 | $35,735,000 | $129,000 | $815,000 | $86,000 | $1,085,000 |
| FHA-insured (Federal Housing Administration) | 36 | $5,170,000 | $143,000 | $275,000 | $32,000 | $128,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 10 | $995,000 | $99,000 | $210,000 | $27,000 | $62,000 |
| VA-guaranteed (Veterans Administration) | 7 | $790,000 | $112,000 | $182,000 | $37,000 | $77,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 178 | $24,846,000 | $139,000 | $800,000 | $92,000 | $1,085,000 |
| Application Denied By Financial Institution | 55 | $7,080,000 | $128,000 | $815,000 | $78,000 | $953,000 |
| Loan Purchased By The Institution | 50 | $5,706,000 | $114,000 | $289,000 | $39,000 | $244,000 |
| Application Withdrawn By Applicant | 28 | $3,678,000 | $131,000 | $399,000 | $64,000 | $250,000 |
| Application Approved But Not Accepted | 12 | $1,057,000 | $88,000 | $175,000 | $76,000 | $204,000 |
| File Closed For Incompleteness | 6 | $323,000 | $53,000 | $105,000 | $32,000 | $74,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Collateral | 24 | $3,123,000 | $130,000 | $417,000 | $65,000 | $206,000 |
| Credit History | 9 | $474,000 | $52,000 | $125,000 | $39,000 | $66,000 |
| Other | 6 | $1,149,000 | $191,000 | $815,000 | $223,000 | $953,000 |
| Debt-To-Income Ratio | 5 | $836,000 | $167,000 | $390,000 | $40,000 | $70,000 |
| Unverifiable Information | 2 | $321,000 | $160,000 | $189,000 | $149,000 | $250,000 |
| Credit Application Incomplete | 2 | $163,000 | $81,000 | $109,000 | $63,000 | $100,000 |
| Mortgage Insurance Denied | 1 | $97,000 | $97,000 | $97,000 | $44,000 | $44,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) loan application records that lenders file with the FFIEC each year, and count every application (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
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