Arenac County, MI Mortgage Lenders & HMDA Data, 2024
In 2024, lenders reported 457 mortgage applications in Arenac County, MI totaling $71.1 million, up 2% from 2023. The average application was for $155,000, and applicants reported an average income of $97,000. 55% of applications resulted in an originated loan and 21% were denied. The most active lender was Huntington National Bank, with 47 applications, followed by Horizon Bank and Independent 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 | 457 |
| Total Mortgage Loan Application Amount | $71,125,000 |
| Average Mortgage Loan Application Amount | $155,000 |
| Highest Mortgage Loan Application Amount | $4,135,000 |
| Average Applicant Income | $97,000 |
| Highest Applicant Income | $495,000 |
* 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 |
|---|---|---|---|---|
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ n/a | 47 | $ 5,875,000 |
| Horizon Bank 515 FRANKLIN ST MICHIGAN CITY, IN 46360 |
* | $ n/a | 33 | $ 10,095,000 |
| Independent Bank 4200 EAST BELTLINE GRAND RAPIDS, MI 49525 |
* | $ n/a | 17 | $ 1,725,000 |
| Mercantile Bank 310 LEONARD STREET NORTH WEST GRAND RAPIDS, MI 49504 |
* | $ n/a | 16 | $ 3,080,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 16 | $ 2,780,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 13 | $ 3,035,000 |
| United Bay Community CU 1309 N. LINCOLN AVE. BAY CITY, MI 48708 |
* | $ n/a | 13 | $ 835,000 |
| Staunton Financial Inc 25800 NORTHWESTERN HIGHWAY SUITE 110 SOUTHFIELD, MI 48076 |
* | $ n/a | 11 | $ 1,825,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 11 | $ 1,855,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 10 | $ 650,000 |
| Greenstone Farm Credit Services 3515 WEST RD EAST LANSING, MI 48823 |
* | $ n/a | 7 | $ 1,785,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ n/a | 7 | $ 635,000 |
| Wildfire Credit Union 6640 BAY RD SAGINAW, MI 48605 |
* | $ n/a | 7 | $ 1,335,000 |
| Frankenmuth Credit Union 580 N. MAIN ST., PO BOX 209 FRANKENMUTH, MI 48734 |
* | $ n/a | 7 | $ 1,205,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ n/a | 6 | $ 260,000 |
| 1st State Bank PO BOX 1468 SAGINAW, MI 48605 |
* | $ n/a | 6 | $ 1,270,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ n/a | 6 | $ 540,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 6 | $ 960,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ n/a | 6 | $ 1,000,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ n/a | 5 | $ 595,000 |
| Das Acquisition Company, LLC 12140 WOODCREST EXECUTIVE DRIVE, STE 150 SAINT LOUIS, MO 63141 |
* | $ n/a | 5 | $ 855,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ n/a | 5 | $ 765,000 |
| Sunrise Family Credit Union 404 SOUTH EUCLID AVENUE BAY CITY, MI 48706 |
* | $ n/a | 5 | $ 215,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 5 | $ 585,000 |
| Credit Union One 400 E NINE MILE RD FERNDALE, MI 48220 |
* | $ n/a | 4 | $ 550,000 |
| Genisys Credit Union 2100 EXECUTIVE HILLS BLVD AUBURN HILLS, MI 48326 |
* | $ n/a | 4 | $ 170,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ n/a | 4 | $ 320,000 |
| Legacy Mortgage 1537 E HILL RD SUITE 100 GRAND BLANC, MI 48439 |
* | $ n/a | 4 | $ 1,000,000 |
| Lake Michigan Credit Union PO BOX 2848 GRAND RAPIDS, MI 49501 |
* | $ n/a | 4 | $ 1,400,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ n/a | 4 | $ 440,000 |
| Michigan Schools and Governmen 40400 GARFIELD ROAD CLINTON TOWNSHIP, MI 48038 |
* | $ n/a | 4 | $ 450,000 |
| Mortgage300 Corporation 10 SE CENTRAL PARKWAY SUITE 325 STUART, FL 34994 |
* | $ n/a | 3 | $ 435,000 |
| Msu Federal Credit Union 3777 WEST ROAD EAST LANSING, MI 48823 |
* | $ n/a | 3 | $ 505,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 3 | $ 425,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ n/a | 3 | $ 535,000 |
| United Financial Credit Union 4685 STATE ST. SAGINAW, MI 48603 |
* | $ n/a | 3 | $ 365,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ n/a | 3 | $ 305,000 |
| Superior National Bank 235 QUINCY ST HANCOCK, MI 49930 |
* | $ n/a | 3 | $ 805,000 |
| Dow Credit Union 600 E. LYON ROAD P.O. BOX 1649 MIDLAND, MI 48641 |
* | $ n/a | 3 | $ 145,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ n/a | 3 | $ 515,000 |
| Mortgage Center Lc 26555 EVERGREEN RD SUITE 900 SOUTHFIELD, MI 48076 |
* | $ n/a | 3 | $ 365,000 |
| Dart Bank 368 S. PARK ST. MASON, MI 48854 |
* | $ n/a | 3 | $ 715,000 |
| Elga Credit Union 2303 S. CENTER ROAD GRAND BLANC, MI 48439 |
* | $ n/a | 3 | $ 505,000 |
| Fifth Third Bank, National Association 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ n/a | 3 | $ 465,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ n/a | 3 | $ 435,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ n/a | 2 | $ 190,000 |
| Union Home Mortgage Corp. 8241 DOW CIRCLE STRONGSVILLE, OH 44136 |
* | $ n/a | 2 | $ 230,000 |
| Blg Holdings, LLC 2353 S. LINDEN RD. SUITE A FLINT, MI 48507 |
* | $ n/a | 2 | $ 440,000 |
| Financial Plus Credit Union G-3381 VAN SLYKE RD, P.O. BOX 7006 FLINT, MI 48507 |
* | $ n/a | 2 | $ 110,000 |
| Choiceone Bank 109 E. DIVISION ST. SPARTA, MI 49345 |
* | $ n/a | 2 | $ 260,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ n/a | 2 | $ 120,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 2 | $ 160,000 |
| Mortgage 1 Incorporated 43456 MOUND ROAD STERLING HEIGHTS, MI 48314 |
* | $ n/a | 2 | $ 270,000 |
| First Community Mortgage, Inc. 275 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ n/a | 2 | $ 160,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ n/a | 2 | $ 220,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ n/a | 2 | $ 170,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ n/a | 2 | $ 170,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ n/a | 2 | $ 260,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 2 | $ 270,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ n/a | 2 | $ 160,000 |
| Vibe Credit Union 1375 N OAKLAND BLVD NOVI, MI 48377 |
* | $ n/a | 1 | $ 75,000 |
| Consumers Credit Union PO BOX 525 KALAMAZOO, MI 49009 |
* | $ n/a | 1 | $ 95,000 |
| Equity Prime Mortgage LLC 5 CONCOURSE PKWY, STE 2250 ATLANTA, GA 30328 |
* | $ n/a | 1 | $ 225,000 |
| Great Lakes Federal Credit Uni 415 WASHINGTON AVE BAY CITY, MI 48708 |
* | $ n/a | 1 | $ 25,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ n/a | 1 | $ 155,000 |
| Thumb Bank & Trust 7254 MICHIGAN AVE., P.O. BOX 560 PIGEON, MI 48755 |
* | $ n/a | 1 | $ 35,000 |
| Towne Mortgage Company 888 WEST BIG BEAVER ROAD SUITE 310 TROY, MI 48084 |
* | $ n/a | 1 | $ 275,000 |
| Dfcu Financial 400 TOWN CENTER DRIVE DEARBORN, MI 48121 |
* | $ n/a | 1 | $ 105,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ n/a | 1 | $ 245,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ n/a | 1 | $ 85,000 |
| Coastal Community Bank PO BOX 12220 EVERETT, WA 98203 |
* | $ n/a | 1 | $ 65,000 |
| Ark-La-Tex Financial Services LLC 5160 TENNYSON PKWY STE 1000 PLANO, TX 75024 |
* | $ n/a | 1 | $ 115,000 |
| Jolt Credit Union 6180 STATE STREET SAGINAW, MI 48603 |
* | $ n/a | 1 | $ 185,000 |
| Thrivent Federal Credit Union SHAKOPEE, MN 55379 |
* | $ n/a | 1 | $ 45,000 |
| Emm Loans LLC 3 EXECUTIVE CAMPUS, SUITE 520 CHERRY HILL, NJ 08003 |
* | $ n/a | 1 | $ 125,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ n/a | 1 | $ 165,000 |
| Members First Credit Union PO BOX 2165 MIDLAND, MI 48640 |
* | $ n/a | 1 | $ 55,000 |
| First National Bank of America 241 EAST SAGINAW EAST LANSING, MI 48823 |
* | $ n/a | 1 | $ 95,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ n/a | 1 | $ 265,000 |
| Isabella Bank 139 E. BROADWAY MT PLEASANT, MI 48858 |
* | $ n/a | 1 | $ 485,000 |
| Warsaw Federal Savings and Loan Association 3533 WARSAW AVE CINCINNATI, OH 45205 |
* | $ n/a | 1 | $ 705,000 |
| Michigan First Credit Union 27000 EVERGREEN LATHRUP VILLAGE, MI 48076 |
* | $ n/a | 1 | $ 255,000 |
| Success Mortgage Partners, Inc 1200 S. SHELDON RD. PLYMOUTH, MI 48170 |
* | $ n/a | 1 | $ 255,000 |
| Team One Credit Union 520 HAYDEN SAGINAW, MI 48607 |
* | $ n/a | 1 | $ 95,000 |
| Michigan Mutual, Inc 911 MILITARY STREET PORT HURON, MI 48060 |
* | $ n/a | 1 | $ 85,000 |
| Community Financial 500 S HARVEY ST PLYMOUTH, MI 48170 |
* | $ n/a | 1 | $ 155,000 |
| Sovita Credit Union 4411 CALKINS RD FLINT, MI 48532 |
* | $ n/a | 1 | $ 75,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ n/a | 1 | $ 85,000 |
| Financialedge Credit Union 1199 S. EUCLID AVE. BAY CITY, MI 48706 |
* | $ n/a | 1 | $ 55,000 |
| United Bank of Michigan 900 EAST PARIS AVE SE GRAND RAPIDS, MI 49546 |
* | $ n/a | 1 | $ 175,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ n/a | 1 | $ 595,000 |
| Hall Financial 888 W BIG BEAVER RD, SUITE 800 TROY, MI 48083 |
* | $ n/a | 1 | $ 65,000 |
| American Airlines Federal Cred 4151 AMON CARTER BLVD FORT WORTH, TX 76155 |
* | $ n/a | 1 | $ 245,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ n/a | 1 | $ 85,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ n/a | 1 | $ 265,000 |
| The Loan Store, Inc TUCSON, AZ 85718 |
* | $ n/a | 1 | $ 205,000 |
| Dearborn Federal Savings Bank 22315 MICHIGAN AVENUE DEARBORN, MI 48124 |
* | $ n/a | 1 | $ 105,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 1 | $ 75,000 |
| 4front Credit Union 101 N PARK ST TRAVERSE CITY, MI 49685 |
* | $ n/a | 1 | $ 25,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ n/a | 1 | $ 155,000 |
| Nmsi, Inc. 3700 WILSHIRE BLVD. STE. 330 LOS ANGELES, CA 90010 |
* | $ n/a | 1 | $ 115,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ n/a | 1 | $ 255,000 |
The tables below break down 2024 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 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 | 200 | $37,130,000 | $185,000 | $705,000 | $113,000 | $495,000 |
| Cash-out Refinancing | 98 | $12,610,000 | $128,000 | $455,000 | $81,000 | $267,000 |
| Refinancing | 62 | $14,320,000 | $230,000 | $4,135,000 | $79,000 | $233,000 |
| Home Improvement | 50 | $3,830,000 | $76,000 | $365,000 | $99,000 | $477,000 |
| Other Purpose | 47 | $3,235,000 | $68,000 | $165,000 | $83,000 | $267,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $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 | 346 | $48,160,000 | $139,000 | $705,000 | $94,000 | $495,000 |
| Not Provided | 60 | $8,800,000 | $146,000 | $495,000 | $116,000 | $477,000 |
| Not applicable | 29 | $11,355,000 | $391,000 | $4,135,000 | $0 | $0 |
| Hispanic | 13 | $1,755,000 | $135,000 | $235,000 | $103,000 | $220,000 |
| Black or African American | 4 | $540,000 | $135,000 | $165,000 | $61,000 | $122,000 |
| American Indian or Alaskan Native | 3 | $335,000 | $111,000 | $155,000 | $62,000 | $68,000 |
| Asian | 2 | $180,000 | $90,000 | $95,000 | $22,000 | $22,000 |
| 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) | 351 | $54,765,000 | $156,000 | $4,135,000 | $105,000 | $495,000 |
| FHA-insured (Federal Housing Administration) | 67 | $8,775,000 | $130,000 | $345,000 | $58,000 | $210,000 |
| VA-guaranteed (Veterans Administration) | 36 | $7,150,000 | $198,000 | $355,000 | $81,000 | $152,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $435,000 | $145,000 | $155,000 | $52,000 | $68,000 |
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 | 253 | $42,865,000 | $169,000 | $4,135,000 | $109,000 | $495,000 |
| Application Denied By Financial Institution | 98 | $12,510,000 | $127,000 | $545,000 | $73,000 | $305,000 |
| Application Withdrawn By Applicant | 58 | $9,100,000 | $156,000 | $585,000 | $80,000 | $308,000 |
| Loan Purchased By The Institution | 25 | $3,895,000 | $155,000 | $595,000 | $87,000 | $87,000 |
| File Closed For Incompleteness | 16 | $2,320,000 | $145,000 | $455,000 | $109,000 | $255,000 |
| Application Approved But Not Accepted | 6 | $330,000 | $55,000 | $75,000 | $122,000 | $220,000 |
| Preapproval Approved but not Accepted | 1 | $105,000 | $105,000 | $105,000 | $26,000 | $26,000 |
| 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 | 333 | $55,275,000 | $165,000 | $4,135,000 | $103,000 | $495,000 |
| Debt-To-Income Ratio | 50 | $7,460,000 | $149,000 | $545,000 | $90,000 | $477,000 |
| Collateral | 22 | $2,790,000 | $126,000 | $545,000 | $102,000 | $305,000 |
| Credit History | 20 | $1,470,000 | $73,000 | $165,000 | $44,000 | $97,000 |
| Credit Application Incomplete | 17 | $1,355,000 | $79,000 | $275,000 | $68,000 | $172,000 |
| Other | 7 | $1,505,000 | $215,000 | $535,000 | $132,000 | $228,000 |
| Unverifiable Information | 3 | $675,000 | $225,000 | $495,000 | $107,000 | $174,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $315,000 | $105,000 | $235,000 | $32,000 | $39,000 |
| Employment History | 2 | $280,000 | $140,000 | $145,000 | $51,000 | $76,000 |
| 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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