Alger County, MI Mortgage Lenders & HMDA Data, 2022
In 2022, lenders reported 204 mortgage applications in Alger County, MI totaling $32.2 million, down 39% from 2021. The average application was for $157,000, and applicants reported an average income of $111,000. 53% of applications resulted in an originated loan and 15% were denied. The most active lender was Flagstar Bank NA, with 14 applications, followed by Huntington National Bank and Range 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 | 204 |
| Total Mortgage Loan Application Amount | $32,150,000 |
| Average Mortgage Loan Application Amount | $157,000 |
| Highest Mortgage Loan Application Amount | $835,000 |
| Average Applicant Income | $111,000 |
| Highest Applicant Income | $1,120,000 |
* 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 |
|---|---|---|---|---|
| Flagstar Bank NA TROY, MI 49098 |
* | $ 16,855,693,000 | 14 | $ 1,040,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 173,414,362,000 | 13 | $ 1,675,000 |
| Range Bank 100 N FRONT ST MARQUETTE, MI 49855 |
* | $ 529,258,000 | 10 | $ 1,850,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,779,504,000,000 | 9 | $ 1,195,000 |
| Nicolet National Bank 111 N WASHINGTON ST GREEN BAY, WI 54301 |
* | $ 7,686,307,000 | 8 | $ 1,650,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 7 | $ 1,175,000 |
| Honor Credit Union EDGEWOOD RD BERRIEN SPRINGS, MI 49103 |
* | $ 1,437,766,000 | 5 | $ 505,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 5 | $ 585,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 5 | $ 935,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 3,306,982,000,000 | 5 | $ 545,000 |
| Incrediblebank 327 N 17TH AVE WAUSAU, WI 54401 |
* | $ 1,758,190,000 | 4 | $ 1,010,000 |
| Greenstone Farm Credit Services 3515 WEST RD EAST LANSING, MI 48823 |
* | $ -1,000 | 4 | $ 1,180,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 4 | $ 710,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 4 | $ 290,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 3 | $ 475,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 2,519,525,000,000 | 3 | $ 285,000 |
| Consumers Credit Union PO BOX 525 KALAMAZOO, MI 49009 |
* | $ 1,803,219,000 | 3 | $ 495,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 3 | $ 345,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 3 | $ 375,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 2 | $ 670,000 |
| Dow Credit Union 600 E. LYON ROAD P.O. BOX 1649 MIDLAND, MI 48641 |
* | $ 2,160,125,000 | 2 | $ 410,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 2 | $ 450,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 551,902,526,000 | 2 | $ 180,000 |
| NBKC Bank 8320 WARD PARKWAY KANSAS CITY, MO 64114 |
* | $ 1,041,605,000 | 2 | $ 290,000 |
| Mercantile Bank 310 LEONARD STREET NORTH WEST GRAND RAPIDS, MI 49504 |
* | $ 5,238,290,000 | 2 | $ 420,000 |
| Macatawa Bank, N.A. ROSEMONT, IL 60018 |
* | $ 2,928,502,000 | 2 | $ 150,000 |
| Lake Michigan Credit Union PO BOX 2848 GRAND RAPIDS, MI 49501 |
* | $ 11,672,497,000 | 2 | $ 280,000 |
| Frankenmuth Credit Union 580 N. MAIN ST., PO BOX 209 FRANKENMUTH, MI 48734 |
* | $ 1,071,830,000 | 2 | $ 290,000 |
| Michigan Mutual, Inc 911 MILITARY STREET PORT HURON, MI 48060 |
* | $ -1,000 | 2 | $ 370,000 |
| Summit Credit Union PO BOX 8046 COTTAGE GROVE, WI 53527 |
* | $ 4,830,582,000 | 2 | $ 570,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 2 | $ 120,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 188,069,637,000 | 2 | $ 100,000 |
| Network Capital Funding Corporation 7700 IRVINE CENTER DRIVE #300 IRVINE, CA 92618 |
* | $ -1,000 | 2 | $ 120,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 153,432,983,000 | 2 | $ 1,150,000 |
| Commercial Bank 301 N. STATE ST ALMA, MI 48801 |
* | $ 610,261,000 | 1 | $ 145,000 |
| Comerica Bank FARMINGTON HILLS, MI 48331 |
* | $ 94,798,000,000 | 1 | $ 165,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 1 | $ 285,000 |
| Oak Mortgage, LLC 113-125 E CHICAGO RD STURGIS, MI 49091 |
* | $ -1,000 | 1 | $ 425,000 |
| Morgan Stanley Private Bank NA 2000 WESTCHESTER AVE PURCHASE, NY 10577 |
* | $ 154,830,000,000 | 1 | $ 315,000 |
| Fifth Third Bank, National Association 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 209,696,785,000 | 1 | $ 255,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 117,378,701,000 | 1 | $ 65,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 1 | $ 175,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ -1,000 | 1 | $ 275,000 |
| Washington State Bank 121 S MARION AVE WASHINGTON, IA 52353 |
* | $ 484,091,000 | 1 | $ 225,000 |
| Independent Bank 4200 EAST BELTLINE GRAND RAPIDS, MI 49525 |
* | $ 4,702,462,000 | 1 | $ 145,000 |
| First Commonwealth Bank PO BOX 400 INDIANA, PA 15701 |
* | $ 9,521,721,000 | 1 | $ 295,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 1 | $ 155,000 |
| Finance of America Mortgage LLC 300 WELSH ROAD BUILDING 5 WILMINGTON, DE 19044 |
* | $ -1,000 | 1 | $ 115,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 1 | $ 75,000 |
| Academy Mortgage Corporation 339 WEST 13490 SOUTH SALT LAKE CITY, UT 84020 |
* | $ -1,000 | 1 | $ 175,000 |
| Luminate Home Loans, Inc. 2523 WAYZATA BLVD SUITE 200 MINNEAPOLIS, MN 55405 |
* | $ -1,000 | 1 | $ 325,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ -1,000 | 1 | $ 45,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 528,514,000,000 | 1 | $ 125,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ 796,563,000 | 1 | $ 235,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 1 | $ 105,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 32,520,025,000 | 1 | $ 235,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ -1,000 | 1 | $ 235,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 108,342,526,000 | 1 | $ 45,000 |
| The State Bank 175 N LEROY ST FENTON, MI 48430 |
* | $ 1,419,081,000 | 1 | $ 205,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 1 | $ 465,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ -1,000 | 1 | $ 65,000 |
| Cornerstone Home Lending, Inc. 1177 WEST LOOP SOUTH SUITE 200 HOUSTON, TX 77027 |
* | $ -1,000 | 1 | $ 125,000 |
| United Mortgage Corp. 25 MELVILLE PARK ROAD MELVILLE, NY 11747 |
* | $ -1,000 | 1 | $ 155,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 1 | $ 65,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 564,154,604,000 | 1 | $ 185,000 |
| Dort Financial Credit Union 9048 HOLLY ROAD GRAND BLANC, MI 48439 |
* | $ 1,382,284,000 | 1 | $ 355,000 |
| Member First Mortgage, LLC 616 44TH STREET SE GRAND RAPIDS, MI 49548 |
* | $ -1,000 | 1 | $ 255,000 |
| Covantage Credit Union 723 6TH AVE, PO BOX 107 ANTIGO, WI 54409 |
* | $ 2,634,030,000 | 1 | $ 55,000 |
| Success Mortgage Partners, Inc 1200 S. SHELDON RD. PLYMOUTH, MI 48170 |
* | $ -1,000 | 1 | $ 285,000 |
| Platinum Home Mortgage Corporation 2200 HICKS RD, STE 101 SPRINGFIELD, IL 60008 |
* | $ -1,000 | 1 | $ 195,000 |
| Honda Federal Credit Union MARYSVILLE, OH 43040 |
* | $ 1,087,963,000 | 1 | $ 65,000 |
| Specialized Loan Servicing LLC 6200 S QUEBEC ST WILMINGTON, DE 80111 |
* | $ -1,000 | 1 | $ 165,000 |
The tables below break down 2022 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 2022
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 |
|---|---|---|---|---|---|---|
| Home Purchase | 96 | $18,970,000 | $197,000 | $835,000 | $140,000 | $1,120,000 |
| Cash-out Refinancing | 57 | $8,055,000 | $141,000 | $375,000 | $77,000 | $489,000 |
| Refinancing | 25 | $3,025,000 | $121,000 | $365,000 | $82,000 | $300,000 |
| Other Purpose | 13 | $1,345,000 | $103,000 | $255,000 | $96,000 | $207,000 |
| Home Improvement | 12 | $700,000 | $58,000 | $105,000 | $118,000 | $350,000 |
| Not Applicable | 1 | $55,000 | $55,000 | $55,000 | $0 | $0 |
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 | 154 | $24,290,000 | $157,000 | $835,000 | $112,000 | $1,120,000 |
| Not Provided | 35 | $5,555,000 | $158,000 | $365,000 | $109,000 | $414,000 |
| Not applicable | 11 | $1,535,000 | $139,000 | $285,000 | $0 | $0 |
| American Indian or Alaskan Native | 3 | $525,000 | $175,000 | $215,000 | $82,000 | $108,000 |
| Hispanic | 1 | $245,000 | $245,000 | $245,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 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) | 149 | $23,165,000 | $155,000 | $835,000 | $126,000 | $1,120,000 |
| VA-guaranteed (Veterans Administration) | 27 | $5,435,000 | $201,000 | $535,000 | $76,000 | $136,000 |
| FHA-insured (Federal Housing Administration) | 24 | $2,990,000 | $124,000 | $265,000 | $54,000 | $125,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 4 | $560,000 | $140,000 | $205,000 | $45,000 | $76,000 |
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 | 109 | $19,585,000 | $179,000 | $835,000 | $133,000 | $1,120,000 |
| Application Withdrawn By Applicant | 39 | $6,285,000 | $161,000 | $465,000 | $82,000 | $344,000 |
| Application Denied By Financial Institution | 31 | $2,995,000 | $96,000 | $305,000 | $75,000 | $350,000 |
| File Closed For Incompleteness | 10 | $990,000 | $99,000 | $135,000 | $105,000 | $260,000 |
| Loan Purchased By The Institution | 8 | $1,260,000 | $157,000 | $285,000 | $0 | $0 |
| Application Approved But Not Accepted | 6 | $830,000 | $138,000 | $315,000 | $83,000 | $148,000 |
| Preapproval Denied by Financial Institution | 1 | $205,000 | $205,000 | $205,000 | $73,000 | $73,000 |
| Preapproval Approved but not Accepted | 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 |
|---|---|---|---|---|---|---|
| Not applicable | 171 | $28,725,000 | $167,000 | $835,000 | $117,000 | $1,120,000 |
| Debt-To-Income Ratio | 9 | $1,385,000 | $153,000 | $305,000 | $89,000 | $205,000 |
| Credit History | 8 | $630,000 | $78,000 | $245,000 | $94,000 | $350,000 |
| Collateral | 6 | $510,000 | $85,000 | $175,000 | $58,000 | $85,000 |
| Credit Application Incomplete | 5 | $425,000 | $85,000 | $125,000 | $87,000 | $150,000 |
| Other | 4 | $270,000 | $67,000 | $105,000 | $56,000 | $108,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $205,000 | $205,000 | $205,000 | $73,000 | $73,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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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