Alpena County, MI Mortgage Lenders & HMDA Data, 2024

In 2024, lenders reported 598 mortgage applications in Alpena County, MI totaling $82.3 million, up 25% from 2023. The average application was for $137,000, and applicants reported an average income of $83,000. 55% of applications resulted in an originated loan and 20% were denied. The most active lender was Huntington National Bank, with 60 applications, followed by United Wholesale Mortgage and Staunton Financial Inc.

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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 598
Total Mortgage Loan Application Amount $82,270,000
Average Mortgage Loan Application Amount $137,000
Highest Mortgage Loan Application Amount $1,725,000
Average Applicant Income $83,000
Highest Applicant Income $917,000

Mortgage Company List for Lending in Alpena County, MI for 2024

* 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
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ n/a 60 $ 5,780,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ n/a 50 $ 6,510,000
Staunton Financial Inc
25800 NORTHWESTERN HIGHWAY SUITE 110
SOUTHFIELD, MI 48076
* $ n/a 33 $ 4,735,000
Neighborhood Mortgage Solutions, LLC
PO BOX 209 544 N MAIN ST
FRANKENMUTH, MI 48734
* $ n/a 28 $ 3,690,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ n/a 26 $ 3,050,000
Nicolet National Bank
111 N WASHINGTON ST
GREEN BAY, WI 54301
* $ n/a 25 $ 2,905,000
Community Financial
500 S HARVEY ST
PLYMOUTH, MI 48170
* $ n/a 25 $ 2,055,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ n/a 22 $ 4,440,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ n/a 15 $ 3,005,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ n/a 15 $ 955,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ n/a 12 $ 3,130,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ n/a 10 $ 1,750,000
Figure Lending LLC

SAN FRANCISCO, CA 94108
* $ n/a 10 $ 530,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ n/a 9 $ 1,785,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ n/a 8 $ 800,000
Greenstone Farm Credit Services
3515 WEST RD
EAST LANSING, MI 48823
* $ n/a 8 $ 2,100,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ n/a 8 $ 1,060,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ n/a 8 $ 1,170,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ n/a 7 $ 835,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ n/a 6 $ 570,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ n/a 6 $ 1,040,000
Kiavi Funding, Inc.
315 MONTGOMERY STREET 16TH FLOOR
SAN FRANCISCO, CA 94104
* $ n/a 5 $ 725,000
Msu Federal Credit Union
3777 WEST ROAD
EAST LANSING, MI 48823
* $ n/a 5 $ 385,000
Goodleap, LLC
8781 SIERRA COLLEGE BLVD
ROSEVILLE, CA 95661
* $ n/a 4 $ 300,000
Coastal Community Bank
PO BOX 12220
EVERETT, WA 98203
* $ n/a 4 $ 260,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ n/a 4 $ 840,000
Spring Eq, LLC
1 WEST ELM STREET SUITE 450
CONSHOHOCKEN, PA 19428
* $ n/a 4 $ 410,000
Lake Michigan Credit Union
PO BOX 2848
GRAND RAPIDS, MI 49501
* $ n/a 4 $ 600,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ n/a 3 $ 355,000
Success Mortgage Partners, Inc
1200 S. SHELDON RD.
PLYMOUTH, MI 48170
* $ n/a 3 $ 565,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ n/a 3 $ 445,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ n/a 3 $ 185,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ n/a 3 $ 295,000
Vibe Credit Union
1375 N OAKLAND BLVD
NOVI, MI 48377
* $ n/a 3 $ 255,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ n/a 2 $ 300,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ n/a 2 $ 70,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ n/a 2 $ 320,000
Mortgage300 Corporation
10 SE CENTRAL PARKWAY SUITE 325
STUART, FL 34994
* $ n/a 2 $ 130,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ n/a 2 $ 110,000
Incrediblebank
327 N 17TH AVE
WAUSAU, WI 54401
* $ n/a 2 $ 830,000
Dart Bank
368 S. PARK ST.
MASON, MI 48854
* $ n/a 2 $ 260,000
Genisys Credit Union
2100 EXECUTIVE HILLS BLVD
AUBURN HILLS, MI 48326
* $ n/a 2 $ 230,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ n/a 2 $ 350,000
Homepromise Corporation
60 S WASHINGTON ST, STE 106
GREENCASTLE, PA 17225
* $ n/a 2 $ 410,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ n/a 2 $ 60,000
Dominion Financial Services, LLC
1029 N CALVERT ST
BALTIMORE, MD 21202
* $ n/a 2 $ 370,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ n/a 2 $ 460,000
Beeline Loans, Inc.
188 VALLEY ST SUITE 225
PROVIDENCE, RI 02909
* $ n/a 2 $ 190,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ n/a 2 $ 380,000
Mortgage 1 Incorporated
43456 MOUND ROAD
STERLING HEIGHTS, MI 48314
* $ n/a 2 $ 280,000
Member First Mortgage, LLC
616 44TH STREET SE
GRAND RAPIDS, MI 49548
* $ n/a 2 $ 170,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ n/a 2 $ 160,000
4front Credit Union
101 N PARK ST
TRAVERSE CITY, MI 49685
* $ n/a 2 $ 110,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ n/a 2 $ 230,000
Kind Lending, LLC
1920 MAIN STREET SUITE 1100 & 1200
IRVINE, CA 92614
* $ n/a 2 $ 540,000
Stockton Mortgage Corporation
88 C MICHAEL DAVENPORT BLVD.
FRANKFORT, KY 40601
* $ n/a 1 $ 105,000
Mms Mortgage Services, Ltd.
38275 TWELVE MILE RD., SUITE 100
FARMINGTON HILLS, MI 48331
* $ n/a 1 $ 395,000
The Anderson Financial Group, Inc.
2421 NORTH ASHLAND AVENUE
CHICAGO, IL 60614
* $ n/a 1 $ 245,000
Ruoff Mortgage Company
1700 MAGNAVOX WAY SUITE 220
FORT WAYNE, IN 46804
* $ n/a 1 $ 135,000
Northstar Bank
833 S. VAN DYKE RD.
BAD AXE, MI 48413
* $ n/a 1 $ 145,000
Citibank, NA

NEW YORK, NY 10012
* $ n/a 1 $ 115,000
Prosperity Home Mortgage, LLC
14501 GEORGE CARTER WAY SUITE 300
CHANTILLY, VA 20151
* $ n/a 1 $ 95,000
BMO Harris Bank NA
111 W. MONROE
CHICAGO, IL 60606
* $ n/a 1 $ 45,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ n/a 1 $ 145,000
Credit Union One
400 E NINE MILE RD
FERNDALE, MI 48220
* $ n/a 1 $ 265,000
First Independence Bank
7310 WOODWARD AVE SUITE 101
DETROIT, MI 48202
* $ n/a 1 $ 285,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ n/a 1 $ 235,000
The Mortgage Link, Inc.
3 RESEARCH PL #100
ROCKVILLE, MD 20850
* $ n/a 1 $ 285,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD SUITE 400
BRENTWOOD, TN 37027
* $ n/a 1 $ 75,000
Dow Credit Union
600 E. LYON ROAD P.O. BOX 1649
MIDLAND, MI 48641
* $ n/a 1 $ 495,000
Team One Credit Union
520 HAYDEN
SAGINAW, MI 48607
* $ n/a 1 $ 45,000
Christian Financial CU
18441 UTICA RD
STERLING HEIGHTS, MI 48312
* $ n/a 1 $ 45,000
Independent Bank
4200 EAST BELTLINE
GRAND RAPIDS, MI 49525
* $ n/a 1 $ 85,000
A&D Mortgage LLC
899 W. CYPRESS CREEK ROAD
FT. LAUDERDALE, FL 33309
* $ n/a 1 $ 125,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ n/a 1 $ 295,000
Bank of Ann Arbor
1333 W ANN ARBOR ROAD
ANN ARBOR, MI 48104
* $ n/a 1 $ 65,000
Wildfire Credit Union
6640 BAY RD
SAGINAW, MI 48605
* $ n/a 1 $ 125,000
Filo Mortgage, LLC
555 E NORTH LN #6125
WEST CONSHOHOCKEN, PA 19428
* $ n/a 1 $ 305,000
Mercantile Bank
310 LEONARD STREET NORTH WEST
GRAND RAPIDS, MI 49504
* $ n/a 1 $ 85,000
First Merchants Bank
200 E. JACKSON ST.
MUNCIE, IN 47305
* $ n/a 1 $ 285,000
Flagstar Bank NA

TROY, MI 49098
* $ n/a 1 $ 305,000
The Farmers & Merchants State Bank
307 N DEFIANCE ST
ARCHBOLD, OH 43502
* $ n/a 1 $ 705,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ n/a 1 $ 145,000
Data Mortgage, Inc

OCALA, FL 34475
* $ n/a 1 $ 165,000
Hall Financial
888 W BIG BEAVER RD, SUITE 800
TROY, MI 48083
* $ n/a 1 $ 115,000
Nationwide Mortgage Bankers, Inc.

MELVILLE, NY 11747
* $ n/a 1 $ 255,000
Better Mortgage Corporation
1 WORLD TRADE CENTER FL 80
NEW YORK, NY 10007
* $ n/a 1 $ 75,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ n/a 1 $ 125,000
Consumer Real Estate Finance Co dba Society Mortgage
330 SW 2ND ST #111
FORT LAUDERDALE, FL 33312
* $ n/a 1 $ 175,000
Blg Holdings, LLC
2353 S. LINDEN RD. SUITE A
FLINT, MI 48507
* $ n/a 1 $ 105,000
Plains Commerce Bank
220 MAIN ST
HOVEN, SD 57450
* $ n/a 1 $ 115,000
Michigan Schools and Governmen
40400 GARFIELD ROAD
CLINTON TOWNSHIP, MI 48038
* $ n/a 1 $ 75,000
Fifth Third Bank, National Association
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ n/a 1 $ 115,000
Sofi Bank, National Association

FRISCO, TX 75034
* $ n/a 1 $ 55,000
Arbor Financial Credit Union
1551 SOUTH 9TH STREET
KALAMAZOO, MI 49009
* $ n/a 1 $ 165,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ n/a 1 $ 55,000
Michigan First Credit Union
27000 EVERGREEN
LATHRUP VILLAGE, MI 48076
* $ n/a 1 $ 255,000
Equity Prime Mortgage LLC
5 CONCOURSE PKWY, STE 2250
ATLANTA, GA 30328
* $ n/a 1 $ 125,000
Cornerstone Capital Bank, SSB
1177 WEST LOOP SOUTH SUITE 200
HOUSTON, TX 77027
* $ n/a 1 $ 65,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ n/a 1 $ 105,000
Southwest Funding LP
13150 COIT ROAD STE 100
DALLAS, TX 75240
* $ n/a 1 $ 115,000
Top Flite Financial, Inc.
123 E GRAND RIVER AVE
WILLIAMSTON, MI 48895
* $ n/a 1 $ 85,000
Canopy Mortgage, LLC
360 TECHNOLOGY COURT STE. 200
LINDON, UT 84003
* $ n/a 1 $ 125,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ n/a 1 $ 185,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ n/a 1 $ 145,000
Dfcu Financial
400 TOWN CENTER DRIVE
DEARBORN, MI 48121
* $ n/a 1 $ 205,000

The tables below break down 2024 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 2024

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 280 $47,150,000 $168,000 $705,000 $92,000 $917,000
Cash-out Refinancing 122 $18,320,000 $150,000 $1,725,000 $70,000 $452,000
Other Purpose 91 $6,505,000 $71,000 $405,000 $80,000 $444,000
Home Improvement 56 $3,830,000 $68,000 $305,000 $78,000 $350,000
Refinancing 47 $6,365,000 $135,000 $295,000 $81,000 $725,000
Not Applicable 2 $100,000 $50,000 $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 431 $56,195,000 $130,000 $1,725,000 $81,000 $725,000
Not Provided 83 $12,475,000 $150,000 $495,000 $69,000 $213,000
Not applicable 37 $6,335,000 $171,000 $395,000 $0 $0
Hispanic 15 $1,645,000 $109,000 $295,000 $60,000 $210,000
American Indian or Alaskan Native 12 $2,080,000 $173,000 $705,000 $76,000 $227,000
Black or African American 11 $2,105,000 $191,000 $395,000 $132,000 $300,000
Asian 8 $1,350,000 $168,000 $385,000 $290,000 $917,000
Native Hawaiian or Other Pacific Islander 1 $85,000 $85,000 $85,000 $123,000 $123,000

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) 443 $58,545,000 $132,000 $1,725,000 $90,000 $917,000
FHA-insured (Federal Housing Administration) 79 $9,515,000 $120,000 $295,000 $52,000 $142,000
VA-guaranteed (Veterans Administration) 73 $13,895,000 $190,000 $405,000 $68,000 $157,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 3 $315,000 $105,000 $145,000 $59,000 $84,000

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 326 $45,990,000 $141,000 $465,000 $90,000 $917,000
Application Denied By Financial Institution 120 $14,610,000 $121,000 $1,725,000 $62,000 $335,000
Application Withdrawn By Applicant 84 $12,760,000 $151,000 $625,000 $85,000 $725,000
Loan Purchased By The Institution 31 $5,345,000 $172,000 $395,000 $48,000 $48,000
Application Approved But Not Accepted 19 $1,625,000 $85,000 $225,000 $89,000 $237,000
File Closed For Incompleteness 17 $1,815,000 $106,000 $285,000 $78,000 $350,000
Preapproval Denied by Financial Institution 1 $125,000 $125,000 $125,000 $98,000 $98,000
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 473 $66,935,000 $141,000 $625,000 $89,000 $917,000
Credit History 37 $4,945,000 $133,000 $1,725,000 $57,000 $170,000
Debt-To-Income Ratio 31 $3,605,000 $116,000 $285,000 $54,000 $335,000
Credit Application Incomplete 24 $3,040,000 $126,000 $705,000 $86,000 $313,000
Collateral 20 $2,330,000 $116,000 $365,000 $67,000 $168,000
Other 10 $1,100,000 $110,000 $375,000 $61,000 $156,000
Insufficient Cash (Downpayment, Closing Cost) 2 $150,000 $75,000 $75,000 $41,000 $51,000
Employment History 1 $165,000 $165,000 $165,000 $0 $0
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0
Unverifiable Information 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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