Arenac County, MI Mortgage Lenders & HMDA Data, 2010
In 2010, lenders reported 562 mortgage applications in Arenac County, MI totaling $52.5 million, down 20% from 2009. The average application was for $93,000, and applicants reported an average income of $67,000. 47% of applications resulted in an originated loan and 25% were denied. The most active lender was Chemical Bank, with 104 applications, followed by Independent Mortgage Co and Bank of America, N.A..
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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 | 562 |
| Total Mortgage Loan Application Amount | $52,478,000 |
| Average Mortgage Loan Application Amount | $93,000 |
| Highest Mortgage Loan Application Amount | $475,000 |
| Average Applicant Income | $67,000 |
| Highest Applicant Income | $489,000 |
* 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 |
|---|---|---|---|---|
| Chemical Bank 333 E MAIN STREET MIDLAND, MI 48640 |
* | $ 4,243,065,000 | 104 | $ 6,916,000 |
| Independent Mortgage Co 230 W MAIN ST IONIA, MI 48846 |
* | $ 2,963,444,000 | 49 | $ 4,588,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,465,221,449,000 | 36 | $ 3,621,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,627,684,000,000 | 33 | $ 3,928,000 |
| Citizens Bank 328 S SAGINAW ST FLINT, MI 48502 |
* | $ 11,336,105,000 | 31 | $ 1,669,000 |
| Wells Fargo Bank, NA 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 608,778,000,000 | 26 | $ 2,212,000 |
| Independent Bank 4200 EAST BELTLINE GRAND RAPIDS, MI 49525 |
* | $ 2,963,444,000 | 18 | $ 1,189,000 |
| Sunrise Family Credit Union 404 SOUTH EUCLID AVENUE BAY CITY, MI 48706 |
* | $ 82,317,000 | 18 | $ 620,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 16 | $ 2,255,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 12 | $ 1,364,000 |
| Wildfire Credit Union 6640 BAY RD SAGINAW, MI 48605 |
* | $ 538,520,000 | 12 | $ 706,000 |
| First National Bank of America 241 EAST SAGINAW EAST LANSING, MI 48823 |
* | $ 475,815,000 | 10 | $ 436,000 |
| Mortgage Center Lc 26555 EVERGREEN RD SUITE 900 SOUTHFIELD, MI 48076 |
* | $ 30,000,000 | 9 | $ 1,049,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 9 | $ 1,472,000 |
| Member First Mortgage, LLC 616 44TH STREET SE GRAND RAPIDS, MI 49548 |
* | $ 11,800,000 | 9 | $ 881,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 14,483,100,000 | 8 | $ 1,190,000 |
| Fifth Third Mortgage, Mi LLC 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 48,969,000 | 8 | $ 1,542,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 260,309,849,000 | 7 | $ 593,000 |
| First Independence Bank 7310 WOODWARD AVE SUITE 101 DETROIT, MI 48202 |
* | $ 159,260,000 | 7 | $ 905,000 |
| Dow Credit Union 600 E. LYON ROAD P.O. BOX 1649 MIDLAND, MI 48641 |
* | $ 1,293,920,000 | 7 | $ 548,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 112,736,105,000 | 6 | $ 953,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 55,302,902,000 | 6 | $ 595,000 |
| The Huntington National Bank 7575 HUNTINGTON PARK DR COLUMBUS, OH 43235 |
* | $ 51,111,245,000 | 5 | $ 762,000 |
| Citifinancial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 5 | $ 96,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 37,922,355,000 | 5 | $ 471,000 |
| Jolt Credit Union 6180 STATE STREET SAGINAW, MI 48603 |
* | $ 260,926,000 | 5 | $ 529,000 |
| Wanigas Credit Union 4026 SHATTUCK RD SAGINAW, MI 48603 |
* | $ 224,331,000 | 5 | $ 358,000 |
| Tranex Financial Inc. 26200 AMERICAN DRIVE SOUTHFIELD, MI 48034 |
* | $ 10,000,000 | 4 | $ 575,000 |
| 1st State Bank PO BOX 1468 SAGINAW, MI 48605 |
* | $ 153,609,000 | 4 | $ 552,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 3 | $ 245,000 |
| Neighborhood Mortgage Solutions, LLC PO BOX 209 544 N MAIN ST FRANKENMUTH, MI 48734 |
* | $ 77,551,000 | 3 | $ 305,000 |
| Financialedge Credit Union 1199 S. EUCLID AVE. BAY CITY, MI 48706 |
* | $ 65,494,000 | 3 | $ 122,000 |
| Lake Michigan Credit Union PO BOX 2848 GRAND RAPIDS, MI 49501 |
* | $ 1,833,363,000 | 3 | $ 649,000 |
| Michigan Schools and Governmen 40400 GARFIELD ROAD CLINTON TOWNSHIP, MI 48038 |
* | $ 1,056,002,000 | 2 | $ 150,000 |
| Amalgamated Credit Union 4686 FASHION SQUARE BLVD. SAGINAW, MI 48604 |
* | $ 43,204,000 | 2 | $ 35,000 |
| Copoco Community Credit Union 4265 E WILDER RD BAY CITY, MI 48706 |
* | $ 67,973,000 | 2 | $ 54,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ 3,125,000 | 2 | $ 113,000 |
| Fifth Third Bank 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 112,736,105,000 | 2 | $ 194,000 |
| Merrill Lynch Credit Corp 4500 PARK GRANADA CA7-910-01-24 CALABASAS, CA 91302 |
* | $ 2,223,299,000 | 2 | $ 582,000 |
| Charles Schwab Bank 211 MAIN STREET SAN FRANCISCO, CA 94105 |
* | $ 43,242,751,000 | 2 | $ 285,000 |
| Thumb National Mortgage LLC 7254 MICHIGAN AVE PIGEON, MI 48755 |
* | $ 181,354,000 | 2 | $ 385,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 2 | $ 477,000 |
| Amera Mortgage Corporation 1050 CORPORATE OFFICE DRIVE, STE 250 MILFORD, MI 48381 |
* | $ 1,300,000,000 | 2 | $ 272,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 1 | $ 63,000 |
| Michigan Mutual, Inc 911 MILITARY STREET PORT HURON, MI 48060 |
* | $ 35,000,000,000 | 1 | $ 54,000 |
| Propertymortgage.Com 8137 GRAND RIVER AVE UNIT 5 BRIGHTON, MI 48114 |
* | $ 2,223,299,000 | 1 | $ 124,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 276,376,130,000 | 1 | $ 96,000 |
| Onewest Bank, FSB 888 EAST WALNUT ST PASADENA, CA 91101 |
* | $ 23,286,247,000 | 1 | $ 97,000 |
| Financial Freedom Acquisition 1 BANTING IRVINE, CA 92618 |
* | $ 36,000,000,000 | 1 | $ 87,000 |
| Rbs Citizens, N.A. ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 116,921,115,000 | 1 | $ 95,000 |
| First Place Bank 185 EAST MARKET WARREN, OH 44481 |
* | $ 3,245,297,000 | 1 | $ 45,000 |
| Everbank 8100 NATIONS WAY JACKSONVILLE, FL 32256 |
* | $ 8,059,724,000 | 1 | $ 26,000 |
| Thumb National Bank and Trust Company 7254 MICHIGAN AVE., P.O. BOX 560 PIGEON, MI 48755 |
* | $ 214,898,000 | 1 | $ 19,000 |
| University Bank 2015 WASHTENAW AVE ANN ARBOR, MI 48104 |
* | $ 133,720,000 | 1 | $ 167,000 |
| Dfcu Financial 400 TOWN CENTER DRIVE DEARBORN, MI 48126 |
* | $ 2,140,880,000 | 1 | $ 106,000 |
| Bank of Ann Arbor 1333 W ANN ARBOR ROAD ANN ARBOR, MI 48104 |
* | $ 543,312,000 | 1 | $ 93,000 |
| Summit Community Bank 1600 ABBOT RD EAST LANSING, MI 48823 |
* | $ 158,846,000 | 1 | $ 158,000 |
| Mercantile Bank Mtg Co LLC 4613 ALPINE AVE NW COMSTOCK PARK, MI 49321 |
* | $ 698,000,000 | 1 | $ 351,000 |
| Firstbank - St Johns Mtg Co 201 N CLINTON AVE ST JOHNS, MI 48879 |
* | $ 35,330,000 | 1 | $ 110,000 |
| First State Mortgage Services 502 N HERSHEY ROAD BLOOMINGTON, IL 61704 |
* | $ 327,995,000 | 1 | $ 124,000 |
| Wolverine Bank FSB 5710 EASTMAN AVE MIDLAND, MI 48640 |
* | $ 304,800,000 | 1 | $ 72,000 |
| Guardian Mortgage Company, Inc 100 N. CENTRAL EXPRESSWAY SUITE 190 RICHARDSON, TX 75083 |
* | $ 10,000,000 | 1 | $ 226,000 |
| Staunton Financial Inc 25800 NORTHWESTERN HIGHWAY SUITE 110 SOUTHFIELD, MI 48076 |
* | $ 10,000,000 | 1 | $ 304,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 1 | $ 100,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 1 | $ 109,000 |
| Liberty Home Equity Solutions, Inc. 10951 WHITE ROCK ROAD, SUITE 200 RANCHO CORDOVA, CA 95670 |
* | $ 60,629,000 | 1 | $ 112,000 |
| Origen Financial Services LLC 27777 FRANKLIN ROAD SUITE 1710 SOUTHFIELD, MI 48034 |
* | $ 10,000,000 | 1 | $ 9,000 |
| Wyndham Capital Mortgage, Inc. 6115 PARK SOUTH DRIVE, STE 200 RALEIGH, NC 28210 |
* | $ 10,000,000 | 1 | $ 252,000 |
| Amerifirst Financial Corporati 616 WEST CENTRE AVENUE PORTAGE, MI 49024 |
* | $ 10,000,000 | 1 | $ 60,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 1 | $ 20,000 |
| Allied Home Mortgage Corp. 6110 PINEMONT DR., STE. 220 HOUSTON, TX 77092 |
* | $ 10,000,000 | 1 | $ 64,000 |
| Arbor Mortgage Corporation 2311 EAST BELTLINE AVE SE 200 GRAND RAPIDS, MI 49546 |
* | $ 15,555,000 | 1 | $ 73,000 |
| Gold Star Mortgage Financial Group, Corporation 2350 GREEN ROAD SUITE 100B ANN ARBOR, MI 48105 |
* | $ 10,000,000 | 1 | $ 101,000 |
| The Anderson Financial Group, Inc. 2421 NORTH ASHLAND AVENUE CHICAGO, IL 60614 |
* | $ 10,000,000 | 1 | $ 70,000 |
| Greenstone Farm Credit Services 3515 WEST RD EAST LANSING, MI 48823 |
* | $ 10,000,000 | 1 | $ 66,000 |
| Security Credit Union 5255 SECURITY PARK BLVD HOLLY, MI 48442 |
* | $ 356,477,000 | 1 | $ 40,000 |
| United Financial Credit Union 4685 STATE ST. SAGINAW, MI 48603 |
* | $ 123,713,000 | 1 | $ 3,000 |
| Alliance Catholic Credit Union 26913 NORTHWESTERN HWY STE 520 FARMINGTON HILLS, MI 48334 |
* | $ 260,431,000 | 1 | $ 193,000 |
| Dort Financial Credit Union 9048 HOLLY ROAD GRAND BLANC, MI 48439 |
* | $ 427,009,000 | 1 | $ 60,000 |
| Financial Plus Credit Union G-3381 VAN SLYKE RD, P.O. BOX 7006 FLINT, MI 48507 |
* | $ 374,412,000 | 1 | $ 48,000 |
| Team One Credit Union 520 HAYDEN SAGINAW, MI 48607 |
* | $ 299,708,000 | 1 | $ 61,000 |
| Vibe 44575 W 12 MILE NOVI, MI 48377 |
* | $ 459,295,000 | 1 | $ 113,000 |
| Lake Trust Credit Union 4605 S OLD US HIGHWAY 23 BRIGHTON, MI 48114 |
* | $ 681,978,000 | 1 | $ 36,000 |
The tables below break down 2010 mortgage applications in Arenac 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 Arenac County, MI in 2010
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 | 360 | $38,000,000 | $105,000 | $340,000 | $67,000 | $467,000 |
| Home Purchase | 128 | $12,422,000 | $97,000 | $475,000 | $79,000 | $489,000 |
| Home Improvement | 74 | $2,056,000 | $27,000 | $203,000 | $49,000 | $332,000 |
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 | 488 | $45,826,000 | $93,000 | $475,000 | $71,000 | $489,000 |
| Not Provided | 47 | $3,989,000 | $84,000 | $227,000 | $55,000 | $152,000 |
| Not applicable | 14 | $1,599,000 | $114,000 | $300,000 | $0 | $0 |
| Hispanic | 8 | $684,000 | $85,000 | $174,000 | $57,000 | $92,000 |
| American Indian or Alaskan Native | 2 | $215,000 | $107,000 | $137,000 | $16,000 | $33,000 |
| Asian | 2 | $129,000 | $64,000 | $124,000 | $96,000 | $185,000 |
| Black or African American | 1 | $36,000 | $36,000 | $36,000 | $30,000 | $30,000 |
| 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) | 481 | $45,236,000 | $94,000 | $475,000 | $72,000 | $467,000 |
| FHA-insured (Federal Housing Administration) | 62 | $5,641,000 | $90,000 | $184,000 | $33,000 | $102,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 18 | $1,575,000 | $87,000 | $176,000 | $62,000 | $489,000 |
| VA-guaranteed (Veterans Administration) | 1 | $26,000 | $26,000 | $26,000 | $0 | $0 |
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 | 265 | $24,428,000 | $92,000 | $475,000 | $73,000 | $465,000 |
| Application Denied By Financial Institution | 142 | $11,906,000 | $83,000 | $318,000 | $59,000 | $489,000 |
| Loan Purchased By The Institution | 59 | $7,150,000 | $121,000 | $351,000 | $55,000 | $390,000 |
| Application Withdrawn By Applicant | 57 | $5,568,000 | $97,000 | $307,000 | $81,000 | $467,000 |
| Application Approved But Not Accepted | 30 | $2,673,000 | $89,000 | $304,000 | $65,000 | $213,000 |
| File Closed For Incompleteness | 9 | $753,000 | $83,000 | $227,000 | $24,000 | $61,000 |
| 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 | 31 | $4,168,000 | $134,000 | $290,000 | $79,000 | $224,000 |
| Debt-To-Income Ratio | 16 | $1,310,000 | $81,000 | $203,000 | $38,000 | $102,000 |
| Credit History | 13 | $665,000 | $51,000 | $162,000 | $53,000 | $137,000 |
| Credit Application Incomplete | 11 | $1,062,000 | $96,000 | $170,000 | $65,000 | $196,000 |
| Other | 8 | $542,000 | $67,000 | $121,000 | $32,000 | $61,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $322,000 | $80,000 | $138,000 | $78,000 | $168,000 |
| Mortgage Insurance Denied | 1 | $73,000 | $73,000 | $73,000 | $62,000 | $62,000 |
| Employment History | 1 | $49,000 | $49,000 | $49,000 | $15,000 | $15,000 |
| 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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