Alpena County, MI Mortgage Lenders & HMDA Data, 2025

In 2025, lenders reported 658 mortgage applications in Alpena County, MI totaling $103.6 million, up 10% from 2024. The average application was for $157,000, and applicants reported an average income of $88,000. 55% of applications resulted in an originated loan and 17% were denied. The most active lender was United Wholesale Mortgage, with 73 applications, followed by Huntington National Bank and Neighborhood Mortgage Solutions, LLC.

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Whether you're an industry professional, homebuyer, or researcher, this data helps you stay informed about local mortgage trends and lending activity.

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 658
Total Mortgage Loan Application Amount $103,550,000
Average Mortgage Loan Application Amount $157,000
Highest Mortgage Loan Application Amount $1,045,000
Average Applicant Income $88,000
Highest Applicant Income $581,000

Mortgage Company List for Lending in Alpena County, MI for 2025

* 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
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ n/a 73 $ 12,135,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ n/a 53 $ 6,435,000
Neighborhood Mortgage Solutions, LLC
PO BOX 209 544 N MAIN ST
FRANKENMUTH, MI 48734
* $ n/a 28 $ 4,700,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ n/a 26 $ 6,120,000
Staunton Financial Inc
25800 NORTHWESTERN HIGHWAY SUITE 110
SOUTHFIELD, MI 48076
* $ n/a 23 $ 3,835,000
Community Financial
500 S HARVEY ST
PLYMOUTH, MI 48170
* $ n/a 21 $ 1,725,000
Nicolet National Bank
111 N WASHINGTON ST
GREEN BAY, WI 54301
* $ n/a 21 $ 3,465,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ n/a 18 $ 4,010,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ n/a 12 $ 2,800,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ n/a 11 $ 1,355,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ n/a 10 $ 1,310,000
Kind Lending, LLC
1920 MAIN STREET SUITE 1100 & 1200
IRVINE, CA 92614
* $ n/a 10 $ 740,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ n/a 10 $ 1,890,000
Greenstone Farm Credit Services
3515 WEST RD
EAST LANSING, MI 48823
* $ n/a 9 $ 3,245,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ n/a 8 $ 830,000
Figure Lending LLC

SAN FRANCISCO, CA 94108
* $ n/a 8 $ 440,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ n/a 8 $ 690,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ n/a 8 $ 1,030,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ n/a 7 $ 1,775,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ n/a 7 $ 925,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ n/a 7 $ 985,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ n/a 7 $ 685,000
Coastal Community Bank
PO BOX 12220
EVERETT, WA 98203
* $ n/a 7 $ 445,000
Mortgage Solutions of Colorado
7450 CAMPUS DRIVE SUITE 200
COLORADO SPRINGS, CO 80920
* $ n/a 6 $ 1,190,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ n/a 6 $ 1,370,000
Homepromise Corporation
60 S WASHINGTON ST, STE 106
GREENCASTLE, PA 17225
* $ n/a 6 $ 1,270,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ n/a 5 $ 625,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ n/a 5 $ 465,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ n/a 5 $ 765,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ n/a 5 $ 935,000
Fifth Third Bank, National Association
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ n/a 5 $ 685,000
Mortgage Center Lc
26555 EVERGREEN RD SUITE 900
SOUTHFIELD, MI 48076
* $ n/a 4 $ 520,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ n/a 4 $ 980,000
Spring Eq, LLC
1 WEST ELM STREET SUITE 450
CONSHOHOCKEN, PA 19428
* $ n/a 4 $ 330,000
Msu Federal Credit Union
3777 WEST ROAD
EAST LANSING, MI 48823
* $ n/a 4 $ 490,000
Cornerstone First Mortgage, LLC
2655 CAMINO DEL RIO N #450
SAN DIEGO, CA 92108
* $ n/a 4 $ 850,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ n/a 4 $ 1,110,000
Kiavi Funding, Inc.
315 MONTGOMERY STREET 16TH FLOOR
SAN FRANCISCO, CA 94104
* $ n/a 4 $ 800,000
Mortgage 1 Incorporated
43456 MOUND ROAD
STERLING HEIGHTS, MI 48314
* $ n/a 4 $ 730,000
Michigan Mutual, Inc
911 MILITARY STREET
PORT HURON, MI 48060
* $ n/a 3 $ 415,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ n/a 3 $ 215,000
Flagstar Bank NA

TROY, MI 49098
* $ n/a 3 $ 555,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ n/a 3 $ 365,000
Dart Bank
368 S. PARK ST.
MASON, MI 48854
* $ n/a 3 $ 605,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ n/a 3 $ 315,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ n/a 3 $ 785,000
Lake Michigan Credit Union
PO BOX 2848
GRAND RAPIDS, MI 49501
* $ n/a 3 $ 845,000
Health Advantage Federal Credi
4550 STATE ST.
SAGINAW, MI 48603
* $ n/a 2 $ 520,000
Mercantile Bank
310 LEONARD STREET NORTH WEST
GRAND RAPIDS, MI 49504
* $ n/a 2 $ 180,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ n/a 2 $ 320,000
Michigan Schools and Governmen
40400 GARFIELD ROAD
CLINTON TOWNSHIP, MI 48038
* $ n/a 2 $ 380,000
Gold Star Mortgage Financial Group, Corporation
2350 GREEN ROAD SUITE 100B
ANN ARBOR, MI 48105
* $ n/a 2 $ 240,000
Equity Prime Mortgage LLC
5 CONCOURSE PKWY, STE 2250
ATLANTA, GA 30328
* $ n/a 2 $ 290,000
Sofi Bank, National Association

FRISCO, TX 75034
* $ n/a 2 $ 240,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ n/a 2 $ 330,000
Northern Mortgage Services, LLC
3714 28TH ST SW
GRANDVILLE, MI 49418
* $ n/a 2 $ 260,000
Emm Loans LLC
3 EXECUTIVE CAMPUS, SUITE 520
CHERRY HILL, NJ 08003
* $ n/a 2 $ 350,000
Genisys Credit Union
2100 EXECUTIVE HILLS BLVD
AUBURN HILLS, MI 48326
* $ n/a 2 $ 390,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ n/a 2 $ 200,000
Success Mortgage Partners, Inc
1200 S. SHELDON RD.
PLYMOUTH, MI 48170
* $ n/a 2 $ 360,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ n/a 2 $ 330,000
Consumers Credit Union
PO BOX 525
KALAMAZOO, MI 49009
* $ n/a 2 $ 370,000
Provident Funding Associates
1235 NORTH DUTTON AVE STE E
SANTA ROSA, CA 95401
* $ n/a 1 $ 315,000
T2 Financial LLC
480 OLDE WORTHINGTON RD SUITE 300
WESTERVILLE, OH 43082
* $ n/a 1 $ 205,000
Hometown Equity Mortgage, LLC
25531 COMMERCENTRE DRIVE SUITE 250
LAKE FOREST, CA 92630
* $ n/a 1 $ 125,000
Lendsure Mortgage Corp.
16959 BERNARDO CENTER DR, #102
SAN DIEGO, CA 92128
* $ n/a 1 $ 135,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ n/a 1 $ 95,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ n/a 1 $ 185,000
Lendingone LLC
901 YAMATO RD #150
BOCA RATON, FL 33431
* $ n/a 1 $ 95,000
Milend, Inc
375 NORTHRIDGE RD, SUITE 600
ALPHARETTA, GA 30009
* $ n/a 1 $ 355,000
Covantage Credit Union
723 6TH AVE, PO BOX 107
ANTIGO, WI 54409
* $ n/a 1 $ 35,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD SUITE 400
BRENTWOOD, TN 37027
* $ n/a 1 $ 125,000
Blg Holdings, LLC
2353 S. LINDEN RD. SUITE A
FLINT, MI 48507
* $ n/a 1 $ 115,000
Vibe Credit Union
1375 N OAKLAND BLVD
NOVI, MI 48377
* $ n/a 1 $ 185,000
Credit Union One
400 E NINE MILE RD
FERNDALE, MI 48220
* $ n/a 1 $ 225,000
Highlands Residential Mortgage, Ltd.
950 W BETHANY DR STE 800
ALLEN, TX 75013
* $ n/a 1 $ 145,000
Uncle Credit Union
2100 LAS POSITAS COURT
LIVERMORE, CA 94551
* $ n/a 1 $ 35,000
Calcon Mutual Mortgage LLC
3131 CAMINO DEL RIO N SUITE 1680
SAN DIEGO, CA 92108
* $ n/a 1 $ 125,000
Michigan Legacy Credit Union
144 E PIKE
WYANDOTTE, MI 48192
* $ n/a 1 $ 365,000
Michigan First Credit Union
27000 EVERGREEN
LATHRUP VILLAGE, MI 48076
* $ n/a 1 $ 175,000
Honor Credit Union
EDGEWOOD RD
BERRIEN SPRINGS, MI 49103
* $ n/a 1 $ 105,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ n/a 1 $ 95,000
Redwood Residential Acquisition Corporation
1 BELVEDERE PLACE
MILL VALLEY, CA 94951
* $ n/a 1 $ 125,000
Northpointe Bank
3333 DEPOSIT DRIVE NE
GRAND RAPIDS, MI 49546
* $ n/a 1 $ 95,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ n/a 1 $ 55,000
Alliant Credit Union
11545 W TOUHY
CHICAGO, IL 60666
* $ n/a 1 $ 65,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ n/a 1 $ 135,000
Isabella Bank
139 E. BROADWAY
MT PLEASANT, MI 48858
* $ n/a 1 $ 455,000
Geneva Financial LLC
180 S ARIZONA AVE STE 310
CHANDLER, AZ 85225
* $ n/a 1 $ 165,000
Top Flite Financial, Inc.
123 E GRAND RIVER AVE
WILLIAMSTON, MI 48895
* $ n/a 1 $ 155,000
Citibank, NA

NEW YORK, NY 10012
* $ n/a 1 $ 55,000
Tomo Mortgage LLC
909 THIRD AVENUE 9TH FL
NEW YORK, NY 10018
* $ n/a 1 $ 175,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ n/a 1 $ 155,000
Consumer Real Estate Finance Co dba Society Mortgage
330 SW 2ND ST #111
FORT LAUDERDALE, FL 33312
* $ n/a 1 $ 115,000
Members First Credit Union
PO BOX 2165
MIDLAND, MI 48640
* $ n/a 1 $ 145,000
Signature Federal Credit Union
12 HERBERT ST.
ALEXANDRIA, VA 22305
* $ n/a 1 $ 105,000
Goodleap, LLC
8781 SIERRA COLLEGE BLVD
ROSEVILLE, CA 95661
* $ n/a 1 $ 45,000
Mission Loans, LLC

IRVINE, CA 92612
* $ n/a 1 $ 195,000
Towne Mortgage Company
888 WEST BIG BEAVER ROAD SUITE 310
TROY, MI 48084
* $ n/a 1 $ 105,000
Tjc Mortgage Inc
1 PERIMETER PARK S, STE 230 S
BIRMINGHAM, AL 35243
* $ n/a 1 $ 95,000
Dfcu Financial
400 TOWN CENTER DRIVE
DEARBORN, MI 48121
* $ n/a 1 $ 55,000
University Bank
2015 WASHTENAW AVE
ANN ARBOR, MI 48104
* $ n/a 1 $ 595,000
Better Mortgage Corporation
1 WORLD TRADE CENTER FL 80
NEW YORK, NY 10007
* $ n/a 1 $ 175,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ n/a 1 $ 315,000
Tlc Community Credit Union
3030 S ADRIAN HWY
ADRIAN, MI 49221
* $ n/a 1 $ 45,000
Filo Mortgage, LLC
555 E NORTH LN #6125
WEST CONSHOHOCKEN, PA 19428
* $ n/a 1 $ 175,000
Lower, LLC
5950 SYMPHONY WOODS DRIVE
COLUMBIA, MD 21044
* $ n/a 1 $ 105,000
Sunflower Bank, N.A.
3025 CORTLAND CIRCLE - PO BOX 800
DALLAS, TX 75225
* $ n/a 1 $ 285,000
Superior National Bank
235 QUINCY ST
HANCOCK, MI 49930
* $ n/a 1 $ 295,000

The tables below break down 2025 mortgage applications in Alpena 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 Alpena County, MI in 2025

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 313 $58,945,000 $188,000 $1,045,000 $93,000 $518,000
Cash-out Refinancing 158 $21,870,000 $138,000 $525,000 $80,000 $581,000
Refinancing 75 $13,365,000 $178,000 $405,000 $62,000 $165,000
Other Purpose 69 $5,565,000 $80,000 $595,000 $95,000 $559,000
Home Improvement 41 $3,695,000 $90,000 $275,000 $107,000 $520,000
Not Applicable 2 $110,000 $55,000 $65,000 $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 510 $78,410,000 $153,000 $1,045,000 $88,000 $559,000
Not Provided 72 $12,480,000 $173,000 $835,000 $82,000 $313,000
Not applicable 42 $7,380,000 $175,000 $445,000 $129,000 $208,000
Hispanic 20 $2,870,000 $143,000 $315,000 $99,000 $581,000
American Indian or Alaskan Native 10 $1,690,000 $169,000 $315,000 $86,000 $160,000
Black or African American 3 $535,000 $178,000 $225,000 $190,000 $268,000
Asian 1 $185,000 $185,000 $185,000 $28,000 $28,000
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) 422 $60,030,000 $142,000 $1,045,000 $97,000 $581,000
FHA-insured (Federal Housing Administration) 132 $20,000,000 $151,000 $425,000 $65,000 $192,000
VA-guaranteed (Veterans Administration) 99 $22,965,000 $231,000 $545,000 $83,000 $361,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 5 $555,000 $111,000 $155,000 $34,000 $64,000

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 359 $59,295,000 $165,000 $1,045,000 $98,000 $581,000
Application Denied By Financial Institution 111 $13,565,000 $122,000 $515,000 $58,000 $172,000
Application Withdrawn By Applicant 90 $15,950,000 $177,000 $835,000 $87,000 $361,000
Loan Purchased By The Institution 41 $6,985,000 $170,000 $445,000 $121,000 $208,000
File Closed For Incompleteness 30 $4,820,000 $160,000 $365,000 $82,000 $300,000
Application Approved But Not Accepted 26 $2,840,000 $109,000 $365,000 $83,000 $265,000
Preapproval Approved but not Accepted 1 $95,000 $95,000 $95,000 $196,000 $196,000
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
Not applicable 547 $89,985,000 $164,000 $1,045,000 $95,000 $581,000
Collateral 29 $3,415,000 $117,000 $265,000 $60,000 $130,000
Credit History 25 $3,045,000 $121,000 $515,000 $59,000 $172,000
Debt-To-Income Ratio 22 $2,830,000 $128,000 $365,000 $57,000 $171,000
Credit Application Incomplete 15 $1,645,000 $109,000 $215,000 $47,000 $137,000
Insufficient Cash (Downpayment, Closing Cost) 11 $1,305,000 $118,000 $245,000 $55,000 $72,000
Other 4 $680,000 $170,000 $245,000 $70,000 $126,000
Unverifiable Information 4 $490,000 $122,000 $165,000 $78,000 $108,000
Employment History 1 $155,000 $155,000 $155,000 $51,000 $51,000
Mortgage Insurance Denied 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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