Arenac County, MI Mortgage Lenders & HMDA Data, 2014
In 2014, lenders reported 546 mortgage applications in Arenac County, MI totaling $44.8 million, down 17% from 2013. The average application was for $82,000, and applicants reported an average income of $63,000. 47% of applications resulted in an originated loan and 27% were denied. The most active lender was Chemical Bank, with 92 applications, followed by Independent Bank and Firstmerit Bank NA.
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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 | 546 |
| Total Mortgage Loan Application Amount | $44,846,000 |
| Average Mortgage Loan Application Amount | $82,000 |
| Highest Mortgage Loan Application Amount | $595,000 |
| Average Applicant Income | $63,000 |
| Highest Applicant Income | $696,000 |
* 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 |
* | $ 6,176,405,000 | 92 | $ 6,179,000 |
| Independent Bank 4200 EAST BELTLINE GRAND RAPIDS, MI 49525 |
* | $ 2,199,198,000 | 37 | $ 2,223,000 |
| Firstmerit Bank NA III CASCADE PLAZA - CAS46 AKRON, OH 44308 |
* | $ 23,864,142,000 | 31 | $ 1,595,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,373,600,000,000 | 25 | $ 2,028,000 |
| Sunrise Family Credit Union 404 SOUTH EUCLID AVENUE BAY CITY, MI 48706 |
* | $ 95,961,000 | 21 | $ 741,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 309,999,678,000 | 16 | $ 1,305,000 |
| Member First Mortgage, LLC 616 44TH STREET SE GRAND RAPIDS, MI 49548 |
* | $ 11,800,000 | 16 | $ 816,000 |
| Neighborhood Mortgage Solutions, LLC PO BOX 209 544 N MAIN ST FRANKENMUTH, MI 48734 |
* | $ 77,551,000 | 14 | $ 1,154,000 |
| Firstbank 102 S MAIN ST MT PLEASANT, MI 48858 |
* | $ 1,222,044,000 | 14 | $ 922,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,945,467,000,000 | 14 | $ 1,325,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,433,716,000,000 | 12 | $ 1,511,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 12,648,357,000 | 11 | $ 1,451,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 11 | $ 1,239,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,346,747,000,000 | 10 | $ 975,000 |
| Firstmerit Mortgage Corp 4455 HILLS AND DALES RD. NW - MTG80 CANTON, OH 44708 |
* | $ 6,000,000,000 | 9 | $ 512,000 |
| Fifth Third Mortgage, Mi LLC 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 48,969,000 | 8 | $ 623,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 7 | $ 996,000 |
| Wanigas Credit Union 4026 SHATTUCK RD SAGINAW, MI 48603 |
* | $ 286,887,000 | 7 | $ 552,000 |
| Greenstone Farm Credit Services 3515 WEST RD EAST LANSING, MI 48823 |
* | $ 10,000,000 | 6 | $ 876,000 |
| Wildfire Credit Union 6640 BAY RD SAGINAW, MI 48605 |
* | $ 679,412,000 | 6 | $ 535,000 |
| Lake Michigan Credit Union PO BOX 2848 GRAND RAPIDS, MI 49501 |
* | $ 3,042,240,000 | 5 | $ 376,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 5 | $ 663,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 4 | $ 374,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 4 | $ 332,000 |
| Homeward Residential, Inc. 16675 ADDISON ROAD ADDISON, TX 75001 |
* | $ 3,809,880,000 | 4 | $ 376,000 |
| Financialedge Credit Union 1199 S. EUCLID AVE. BAY CITY, MI 48706 |
* | $ 79,192,000 | 4 | $ 228,000 |
| Academy Mortgage Corporation 339 WEST 13490 SOUTH SALT LAKE CITY, UT 84020 |
* | $ 10,000,000 | 4 | $ 433,000 |
| First National Bank of America 241 EAST SAGINAW EAST LANSING, MI 48823 |
* | $ 617,585,000 | 4 | $ 153,000 |
| United Financial Credit Union 4685 STATE ST. SAGINAW, MI 48603 |
* | $ 173,977,000 | 4 | $ 397,000 |
| Copoco Community Credit Union 4265 E WILDER RD BAY CITY, MI 48706 |
* | $ 100,013,000 | 4 | $ 258,000 |
| United Bay Community CU 1309 N. LINCOLN AVE. BAY CITY, MI 48708 |
* | $ 183,198,000 | 4 | $ 166,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 8,361,206,000 | 3 | $ 371,000 |
| Thumb National Bank and Trust Company 7254 MICHIGAN AVE., P.O. BOX 560 PIGEON, MI 48755 |
* | $ 215,162,000 | 3 | $ 227,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 3 | $ 250,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ 10,000,000 | 3 | $ 297,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 17,638,918,000 | 3 | $ 192,000 |
| Jolt Credit Union 6180 STATE STREET SAGINAW, MI 48603 |
* | $ 321,718,000 | 3 | $ 81,000 |
| Towne Mortgage Company 888 WEST BIG BEAVER ROAD SUITE 310 TROY, MI 48084 |
* | $ 35,475,880,000 | 3 | $ 177,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 3 | $ 411,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 2 | $ 336,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ 1,000,000,000 | 2 | $ 114,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 127,428,329,000 | 2 | $ 180,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 94,716,980,000 | 2 | $ 85,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 2 | $ 169,000 |
| Amerifirst Financial Corporation 950 TRADE CENTRE WAY SUITE 400 KALAMAZOO, MI 49009 |
* | $ 10,000,000 | 2 | $ 193,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ 10,000,000 | 2 | $ 427,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ 1,825,398,000 | 2 | $ 398,000 |
| Signature Bank 1 E HURON AVE BAD AXE, MI 48413 |
* | $ 233,152,000 | 2 | $ 284,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 62,866,954,000 | 2 | $ 235,000 |
| Financial Plus Credit Union G-3381 VAN SLYKE RD, P.O. BOX 7006 FLINT, MI 48507 |
* | $ 389,622,000 | 2 | $ 98,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 2 | $ 119,000 |
| Wolverine Bank FSB 5710 EASTMAN AVE MIDLAND, MI 48640 |
* | $ 297,566,000 | 2 | $ 190,000 |
| Frankenmuth Credit Union 580 N. MAIN ST., PO BOX 209 FRANKENMUTH, MI 48734 |
* | $ 292,052,000 | 2 | $ 98,000 |
| Dow Credit Union 600 E. LYON ROAD P.O. BOX 1649 MIDLAND, MI 48641 |
* | $ 1,400,994,000 | 2 | $ 252,000 |
| 1st State Bank PO BOX 1468 SAGINAW, MI 48605 |
* | $ 188,545,000 | 1 | $ 130,000 |
| West Town Bank & Trust 7820 W 26TH STREET NORTH RIVERSIDE, IL 60546 |
* | $ 150,121,000 | 1 | $ 108,000 |
| Dfcu Financial 400 TOWN CENTER DRIVE DEARBORN, MI 48121 |
* | $ 3,538,032,000 | 1 | $ 97,000 |
| Michigan Schools and Governmen 40400 GARFIELD ROAD CLINTON TOWNSHIP, MI 48038 |
* | $ 1,436,501,000 | 1 | $ 185,000 |
| Team One Credit Union 520 HAYDEN SAGINAW, MI 48607 |
* | $ 383,646,000 | 1 | $ 85,000 |
| Sovita Credit Union 4411 CALKINS RD FLINT, MI 48532 |
* | $ 363,475,000 | 1 | $ 108,000 |
| Security Credit Union 5255 SECURITY PARK BLVD HOLLY, MI 48442 |
* | $ 381,225,000 | 1 | $ 50,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 2,351,095,000 | 1 | $ 35,000 |
| Northpointe Bank 3333 DEPOSIT DRIVE NE GRAND RAPIDS, MI 49546 |
* | $ 299,620,000 | 1 | $ 176,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 9,596,388,000 | 1 | $ 30,000 |
| Isabella Bank 139 E. BROADWAY MT PLEASANT, MI 48858 |
* | $ 1,433,762,000 | 1 | $ 61,000 |
| Cole Taylor Bank 9550 W HIGGINS RAOD ROSEMONT, IL 60018 |
* | $ 5,662,890,000 | 1 | $ 171,000 |
| Michigan Columbus Credit Union 38275 TWELVE MILE RD., SUITE 100 FARMINGTON HILLS, MI 48331 |
* | $ 44,471,000 | 1 | $ 58,000 |
| Mms Mortgage Services, Ltd. 38275 TWELVE MILE RD., SUITE 100 FARMINGTON HILLS, MI 48331 |
* | $ 5,598,000 | 1 | $ 78,000 |
| Citizens State Bank 13840 W. NEWBERRY RD NEWBERRY, FL 32669 |
* | $ 191,437,000 | 1 | $ 6,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ 1,543,699,000 | 1 | $ 98,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ 11,000,000 | 1 | $ 65,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 1 | $ 122,000 |
| Nationwide Advantage Mortgage 1100 LOCUST ST DES MOINES, IA 50391 |
* | $ 31,000,000 | 1 | $ 57,000 |
| Advisors Capital, Inc. 39810 GRAND RIVER AVE., SUITE C-200 NOVI, MI 48375 |
* | $ 3,243,000 | 1 | $ 122,000 |
| Michigan Mutual, Inc 911 MILITARY STREET PORT HURON, MI 48060 |
* | $ 35,000,000,000 | 1 | $ 87,000 |
| Comerica Bank FARMINGTON HILLS, MI 48331 |
* | $ 65,201,888,000 | 1 | $ 68,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 171,261,678,000 | 1 | $ 8,000 |
| Fifth Third Bank 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 127,428,329,000 | 1 | $ 57,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 84,362,333,000 | 1 | $ 68,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 360,478,278,000 | 1 | $ 79,000 |
| UBS Bank USA 299 S. MAIN ST SALT LAKE CITY, UT 84111 |
* | $ 45,602,567,000 | 1 | $ 595,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 15,766,346,000 | 1 | $ 190,000 |
| Lake Huron Credit Union 1540 TITTABAWASSEE RD SAGINAW, MI 48603 |
* | $ 45,920,000 | 1 | $ 29,000 |
| Talmer Bank and Trust 2301 W. BIG BEAVER RD., SUITE 200 TROY, MI 48084 |
* | $ 2,308,075,000 | 1 | $ 94,000 |
| Southern Michigan Bank & Trust 51 WEST PEARL STREET COLDWATER, MI 49036 |
* | $ 538,580,000 | 1 | $ 116,000 |
| First Independence Bank 7310 WOODWARD AVE SUITE 101 DETROIT, MI 48202 |
* | $ 202,781,000 | 1 | $ 63,000 |
| Mortgage Center Lc 26555 EVERGREEN RD SUITE 900 SOUTHFIELD, MI 48076 |
* | $ 30,000,000 | 1 | $ 50,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 1 | $ 173,000 |
| Huron Valley Financial, Inc. 2395 OAK VALLEY DRIVE, SUITE 200 ANN ARBOR, MI 48103 |
* | $ 10,000,000 | 1 | $ 122,000 |
| Discover Home Loans, Inc 173 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 79,339,664,000 | 1 | $ 95,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 171,261,678,000 | 1 | $ 93,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ 945,758,000 | 1 | $ 61,000 |
| Staunton Financial Inc 25800 NORTHWESTERN HIGHWAY SUITE 110 SOUTHFIELD, MI 48076 |
* | $ 10,000,000 | 1 | $ 49,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 1 | $ 156,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ 100,000,000 | 1 | $ 180,000 |
| Stonegate Mortgage Corporation 9190 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 |
* | $ 10,000,000 | 1 | $ 60,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ 11,000,000 | 1 | $ 121,000 |
| Perl Mortgage, Inc. 2936 WEST BELMONT AVE CHICAGO, IL 60618 |
* | $ 11,000,000 | 1 | $ 113,000 |
The tables below break down 2014 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 2014
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 | 274 | $26,072,000 | $95,000 | $595,000 | $61,000 | $363,000 |
| Home Purchase | 195 | $15,997,000 | $82,000 | $300,000 | $69,000 | $696,000 |
| Home Improvement | 77 | $2,777,000 | $36,000 | $180,000 | $56,000 | $244,000 |
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 | 445 | $35,850,000 | $80,000 | $595,000 | $67,000 | $517,000 |
| Not Provided | 60 | $5,058,000 | $84,000 | $242,000 | $67,000 | $696,000 |
| Not applicable | 32 | $2,993,000 | $93,000 | $276,000 | $13,000 | $144,000 |
| American Indian or Alaskan Native | 8 | $765,000 | $95,000 | $185,000 | $55,000 | $112,000 |
| Hispanic | 1 | $180,000 | $180,000 | $180,000 | $66,000 | $66,000 |
| 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) | 427 | $34,808,000 | $81,000 | $595,000 | $71,000 | $696,000 |
| FHA-insured (Federal Housing Administration) | 72 | $5,935,000 | $82,000 | $181,000 | $32,000 | $126,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 27 | $2,242,000 | $83,000 | $153,000 | $35,000 | $74,000 |
| VA-guaranteed (Veterans Administration) | 20 | $1,861,000 | $93,000 | $121,000 | $47,000 | $96,000 |
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 | 254 | $21,535,000 | $84,000 | $595,000 | $75,000 | $517,000 |
| Application Denied By Financial Institution | 148 | $11,117,000 | $75,000 | $348,000 | $58,000 | $696,000 |
| Loan Purchased By The Institution | 52 | $4,527,000 | $87,000 | $276,000 | $25,000 | $144,000 |
| Application Withdrawn By Applicant | 43 | $3,202,000 | $74,000 | $158,000 | $56,000 | $140,000 |
| Application Approved But Not Accepted | 25 | $1,891,000 | $75,000 | $242,000 | $63,000 | $192,000 |
| File Closed For Incompleteness | 24 | $2,574,000 | $107,000 | $323,000 | $70,000 | $302,000 |
| 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 | $2,952,000 | $95,000 | $307,000 | $63,000 | $180,000 |
| Credit History | 22 | $1,036,000 | $47,000 | $180,000 | $35,000 | $110,000 |
| Debt-To-Income Ratio | 13 | $812,000 | $62,000 | $190,000 | $48,000 | $209,000 |
| Credit Application Incomplete | 7 | $552,000 | $78,000 | $107,000 | $66,000 | $116,000 |
| Other | 7 | $490,000 | $70,000 | $153,000 | $48,000 | $73,000 |
| Employment History | 3 | $277,000 | $92,000 | $149,000 | $30,000 | $59,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $62,000 | $62,000 | $62,000 | $40,000 | $40,000 |
| Unverifiable Information | 1 | $60,000 | $60,000 | $60,000 | $0 | $0 |
| 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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