Baraga County, MI Mortgage Lenders & HMDA Data, 2003
In 2003, lenders reported 458 mortgage applications in Baraga County, MI totaling $35.3 million. The average application was for $77,000, and applicants reported an average income of $54,000. 37% of applications resulted in an originated loan and 14% were denied. The most active lender was Associated Mortgage Co, Inc, with 102 applications, followed by Republic Bank and Countrywide Home Loans.
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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 | 458 |
| Total Mortgage Loan Application Amount | $35,312,000 |
| Average Mortgage Loan Application Amount | $77,000 |
| Highest Mortgage Loan Application Amount | $323,000 |
| Average Applicant Income | $54,000 |
| Highest Applicant Income | $1,560,000 |
* 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 |
|---|---|---|---|---|
| Associated Mortgage Co, Inc 301 N BROADWAY ST DEPERE, WI 54115 |
* | $ 95,481,778,000 | 102 | $ 8,261,000 |
| Republic Bank 2425 E GRAND RIVER AVE LANSING, MI 48912 |
* | $ 4,763,003,000 | 60 | $ 4,259,000 |
| Countrywide Home Loans 30930 RUSSELL RANCH ROAD MS WLRR-148 WESTLAKE VILLAGE, CA 91362 |
* | $ 58,034,697,000 | 52 | $ 3,965,000 |
| Wells Fargo Home Mortgage 1 HOME CAMPUS, X9902-1R DES MOINES, IA 50328 |
* | $ 35,000,000,000 | 30 | $ 2,397,000 |
| Ameriquest Mortgage Company 1100 TOWN & COUNTRY ROAD ORANGE, CA 92868 |
* | $ 10,000,000 | 21 | $ 2,007,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 17 | $ 1,245,000 |
| Homeowners Loan Corporation 4501 CIRCLE 75 PARKWAY, SUITE D-4300 ATLANTA, GA 30339 |
* | $ 1,840,459,615,000 | 10 | $ 508,000 |
| Midwest Loan Solutions, Inc. 29777 TELEGRAPH RD. SUITE 3580 SOUTHFIELD, MI 48034 |
* | $ 46,200,000 | 9 | $ 510,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 8,190,484,000 | 9 | $ 998,000 |
| Abn Amro Mtg Group Inc 850 THIRD AVENUE, 12TH FLOOR NEW YORK, NY 10022 |
* | $ 250,000,000 | 8 | $ 662,000 |
| Chase Manhattan Mortgage Corp 343 THORNALL STREET EDISON, NJ 08837 |
* | $ 622,388,000,000 | 6 | $ 379,000 |
| Novastar Mortgage 2114 CENTRAL SUITE 600 KANSAS CITY, MO 64108 |
* | $ 10,000,000 | 5 | $ 325,000 |
| Washington Mutual Bank 227 EAST AVENUE ALBION, NY 14411 |
* | $ 236,422,336,000 | 5 | $ 384,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 183,712,000,000 | 4 | $ 114,000 |
| Novastar Home Mortgage, Inc. 8140 WARD PARKWAY KANSAS CITY, MO 64114 |
* | $ 10,000,000 | 3 | $ 272,000 |
| Wells Fargo Bank, NA 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 318,870,000,000 | 3 | $ 204,000 |
| New State Mortgage Company 8401 VIRGINIA STREET MERRILLVILE, IN 46410 |
* | $ 10,000,000 | 3 | $ 216,000 |
| Residential Funding Corp. LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 10,000,000 | 3 | $ 241,000 |
| National City Bank 1900 E NINTH ST LOC 01-3144 CLEVELAND, OH 44114 |
* | $ 43,721,511,000 | 3 | $ 257,000 |
| Irwin Mortgage Corporation 10500 KINCAID DRIVE FISHERS, IN 47037 |
* | $ 4,567,878,000 | 3 | $ 569,000 |
| Aames Funding Corporation 15090 AVENUE OF SCIENCE SAN DIEGO, CA 92128 |
* | $ 10,000,000 | 3 | $ 219,000 |
| American Business Financial 100 PENN SQUARE EAST PHILADELPHIA, PA 19107 |
* | $ 10,000,000 | 3 | $ 172,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 565,382,000,000 | 3 | $ 236,000 |
| Bank One, NA 45303 VAN DYKE SUITE 9048 UTICA, MI 48317 |
* | $ 53,001,000,000 | 3 | $ 114,000 |
| Freedom Mortgage Corp. 10500 KINCAID DR. STE. 300 FISHERS, IN 46037 |
* | $ 10,000,000 | 3 | $ 124,000 |
| H&R Block Mortgage Corporation 6501 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 3 | $ 270,000 |
| Chase Manhattan Bank USA, NA 200 WHITE CLAY CENTER DR NEWARK, DE 19711 |
* | $ 32,738,033,000 | 2 | $ 212,000 |
| Gmac Bank 4 WALNUT GROVE HORSHAM, PA 19044 |
* | $ 2,448,525,000 | 2 | $ 176,000 |
| First Horizon Home Loan Corp 4000 HORIZON WAY IRVING, TX 75063 |
* | $ 1,446,000,000 | 2 | $ 283,000 |
| Columbia National, Inc. 7142 COLUMBIA GATEWAY DRIVE COLUMBIA, MD 21046 |
* | $ 31,000,000 | 2 | $ 162,000 |
| Fifth Third Mortgage, Mi LLC 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 25,145,204,000 | 2 | $ 162,000 |
| BNC Mortgage 1901 MAIN ST IRVINE, CA 92614 |
* | $ 10,000,000 | 2 | $ 124,000 |
| Accredited Home Lenders, Inc 15253 AVENUE OF SCIENCE BLDG 1 SAN DIEGO, CA 92128 |
* | $ 10,000,000 | 2 | $ 125,000 |
| Aegis Wholesale Corporation 3250 BRIARPARK DR SUITE 400 HOUSTON, TX 77042 |
* | $ 10,000,000 | 2 | $ 162,000 |
| Associated Bank, N.A. 200 N ADAMS ST GREEN BAY, WI 54301 |
* | $ 10,022,493,000 | 2 | $ 164,000 |
| Cuna Mutual Mortgage Corporati 2908 MARKETPLACE DRIVE SUITE 100 MADISON, WI 53719 |
* | $ 10,000,000 | 2 | $ 157,000 |
| Delta Funding Corporation 1000 WOODBURY ROAD WOODBURY, NY 11797 |
* | $ 31,000,000 | 2 | $ 86,000 |
| E-Loan, Inc. 6230 STONERIDGE MALL ROAD PLEASANTON, CA 94588 |
* | $ 10,000,000 | 2 | $ 132,000 |
| Option One Mortgage Corp 6501 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 2 | $ 249,000 |
| People's Choice Financial Corp 7515 IRVINE CENTER DR. IRVINE, CA 92618 |
* | $ 10,000,000 | 2 | $ 118,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 2 | $ 136,000 |
| Green Tree Servicing LLC 345 ST. PETER STREET ST. PAUL, MN 55102 |
* | $ 31,000,000 | 2 | $ 378,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 2 | $ 242,000 |
| Southstar Funding, LLC 400 NORTHRDIGE ROAD, SUITE 1000 ATLANTA, GA 30350 |
* | $ 10,000,000 | 2 | $ 107,000 |
| State Farm Bank 1 STATE FARM PLAZA BLOOMINGTON, IL 61710 |
* | $ 4,586,886,000 | 2 | $ 124,000 |
| Sterling Mortgage & Investment 31333 W. 13 MILE RD FARMINGTON HILLS, MI 48334 |
* | $ 10,000,000 | 1 | $ 52,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 115,148,694,000 | 1 | $ 92,000 |
| The Huntington National Bank 7575 HUNTINGTON PARK DR COLUMBUS, OH 43235 |
* | $ 27,399,278,000 | 1 | $ 50,000 |
| Town & Country Credit 2010 MAIN STREET, SUITE 800 IRVINE, CA 92614 |
* | $ 10,000,000 | 1 | $ 118,000 |
| Tribeca Lending Corporation 101 HUDSON STREET 25TH FLOOR JERSEY CITY, NJ 07302 |
* | $ 10,000,000 | 1 | $ 42,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 12,348,756,000 | 1 | $ 56,000 |
| Vanderbilt Mortgage 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 1 | $ 21,000 |
| Washtenaw Mortgage Company 3767 RANCHERO DRIVE ANN ARBOR, MI 48108 |
* | $ 204,000,000 | 1 | $ 35,000 |
| Wells Fargo Bank Minnesota NA 4406 PIEDRAS DR W, A SEFCIK, T5600-021 SAN ANTONIO, TX 78228 |
* | $ 52,843,200,000 | 1 | $ 72,000 |
| New Century Mortgage Corporati 18400 VON KARMAN AVE., SUITE 1000 IRVINE, CA 92612 |
* | $ 10,000,000 | 1 | $ 49,000 |
| Guaranty Residential Lending 1300 S. MOPAC EXPWY AUSTIN, TX 78746 |
* | $ 9,102,046,000 | 1 | $ 65,000 |
| Nfcu 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 17,573,420,000 | 1 | $ 50,000 |
| Oak Street Mortgage 11555 N MERIDIAN ST CARMEL, IN 46032 |
* | $ 10,000,000 | 1 | $ 141,000 |
| Principal Residential Mortgage ONE COURT SQUARE, 45TH FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 10,000,000 | 1 | $ 71,000 |
| Progressive Mortgage Company 125 S. FIFTH AVE. ANN ARBOR, MI 48104 |
* | $ 327,000,000 | 1 | $ 51,000 |
| Pgnf Home Lending Corp 1431 OPUS PLACE, SUITE 200 DOWNERS GROVE, IL 60515 |
* | $ 10,000,000 | 1 | $ 82,000 |
| Sallie Mae Home Loans 28175 CABOT DR NOVI, MI 48377 |
* | $ 10,000,000 | 1 | $ 143,000 |
| Sky Bank C/O Huntington Bank 137 CLOUGH ST. BOWLING GREEN, OH 43402 |
* | $ 10,198,758,000 | 1 | $ 128,000 |
| Long Beach Mortgage Co. 227 EAST AVENUE ALBION, NY 14411 |
* | $ 10,000,000 | 1 | $ 95,000 |
| M&I Mortgage Corp W57N14280 DOERR WAY CEDARBURG, WI 53012 |
* | $ 202,128,000 | 1 | $ 50,000 |
| Mbna America Delaware, N.A. 200 N COLLEGE ST NC1-004-04-13 CHARLOTTE, NC 28255 |
* | $ 1,708,852,000 | 1 | $ 57,000 |
| Homestead Savings Bank 415 S SUPERIOR ST ALBION, MI 49224 |
* | $ 64,164,000 | 1 | $ 84,000 |
| HSBC Bank, USA ONE HSBC CENTER/24TH FLOOR BUFFALO, NY 14203 |
* | $ 86,415,769,000 | 1 | $ 106,000 |
| Investaid Corporation 24315 NORTHWESTERN HWY. SOUTHFIELD, MI 48075 |
* | $ 10,000,000 | 1 | $ 71,000 |
| National City Home Loan Servic 1900 E 9TH ST CLEVELAND, OH 44114 |
* | $ 15,000,000,000 | 1 | $ 65,000 |
| National City Mortgage Corpora 1900 E9TH STREET LOCATOR 01-3013 CLEVELAND, OH 44114 |
* | $ 12,000,000,000 | 1 | $ 56,000 |
| National City Mortgage Service 1900 E 9TH STREET LOCATOR 01-3013 CLEVELAND, OH 44114 |
* | $ 12,383,021,000 | 1 | $ 56,000 |
| Mortgage Center Lc 26555 EVERGREEN RD SUITE 900 SOUTHFIELD, MI 48076 |
* | $ 30,000,000 | 1 | $ 86,000 |
| Mortgage Investors Corp 6090 CENTRAL AVE ST. PETERSBURG, FL 33707 |
* | $ 10,000,000 | 1 | $ 52,000 |
| Signature Federal Credit Union 12 HERBERT ST. ALEXANDRIA, VA 22305 |
* | $ 165,351,000 | 1 | $ 68,000 |
| Equity One 9600 WEST BRYN MAWR ROSEMONT, IL 60018 |
* | $ 10,538,602,000 | 1 | $ 82,000 |
| F&M Bank- Wisconsin 1601 S WEBSTER AVE GREEN BAY, WI 54301 |
* | $ 1,836,815,000 | 1 | $ 79,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 47,877,769,000 | 1 | $ 54,000 |
| Citifinancial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,097,190,000,000 | 1 | $ 20,000 |
| Freestar Financial Credit Union PO BOX 2800 MT. CLEMENS, MI 48046 |
* | $ 57,580,000 | 1 | $ 52,000 |
| First Franklin Financial Corp. 2150 NORTH FIRST STREET SAN JOSE, CA 95131 |
* | $ 592,000,000 | 1 | $ 65,000 |
| Consumers Professional Credit Union 525 W WILLOW STREET LANSING, MI 48906 |
* | $ 52,454,000 | 1 | $ 28,000 |
| First National Bank of America 241 EAST SAGINAW EAST LANSING, MI 48823 |
* | $ 488,502,000 | 1 | $ 42,000 |
| First Tennessee Bank NA 165 MADISON 5TH FLOOR MEMPHIS, TN 38103 |
* | $ 23,392,515,000 | 1 | $ 52,000 |
| Fleet National Bank 525 N TRYON ST NC1-023-06-04 CHARLOTTE, NC 28255 |
* | $ 179,362,000,000 | 1 | $ 13,000 |
| Franklin Mortgage Funding 25800 NORTHWESTERN HWY SUITE 875 SOUTHFIELD, MI 48075 |
* | $ 10,000,000 | 1 | $ 52,000 |
| Full Spectrum Lending 35 N. LAKE AVENUE MS 55-11 PASADENA, CA 91101 |
* | $ 58,034,697,000 | 1 | $ 106,000 |
| Heartland Enterprises, Inc. 1401 BRANDING LANE DOWNERS GROVE, IL 60515 |
* | $ 10,000,000 | 1 | $ 101,000 |
| Hfc 140 INDUSTRIAL DRIVE ELMHURST, IL 60126 |
* | $ 10,000,000 | 1 | $ 72,000 |
| Homeland Capital Mortgage 600 E CARMEL DR, SUITE 110 CARMEL, IN 46033 |
* | $ 10,000,000 | 1 | $ 35,000 |
The tables below break down 2003 mortgage applications in Baraga 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 Baraga County, MI in 2003
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 (home purchase or home improvement, one-to-four family) | 367 | $29,369,000 | $80,000 | $323,000 | $57,000 | $1,560,000 |
| Home Purchase (one-to-four family) | 77 | $5,325,000 | $69,000 | $166,000 | $44,000 | $215,000 |
| Home Improvement (one-to-four family) | 14 | $618,000 | $44,000 | $125,000 | $52,000 | $127,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 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 | 360 | $28,022,000 | $77,000 | $323,000 | $65,000 | $1,560,000 |
| Information not provided by applicant in mail or telephone application | 52 | $3,835,000 | $73,000 | $288,000 | $44,000 | $96,000 |
| American Indian or Alaskan Native | 20 | $1,477,000 | $73,000 | $167,000 | $40,000 | $86,000 |
| Not applicable | 16 | $1,252,000 | $78,000 | $149,000 | $3,000 | $50,000 |
| Other | 8 | $629,000 | $78,000 | $123,000 | $49,000 | $97,000 |
| Black | 1 | $35,000 | $35,000 | $35,000 | $26,000 | $26,000 |
| Hispanic | 1 | $62,000 | $62,000 | $62,000 | $23,000 | $23,000 |
| Asian or 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) | 449 | $34,657,000 | $77,000 | $323,000 | $55,000 | $1,560,000 |
| VA-guaranteed (Veterans Administration) | 4 | $300,000 | $75,000 | $107,000 | $14,000 | $57,000 |
| FHA-insured (Federal Housing Administration) | 3 | $224,000 | $74,000 | $100,000 | $25,000 | $52,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $131,000 | $65,000 | $76,000 | $26,000 | $27,000 |
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 | 170 | $12,962,000 | $76,000 | $260,000 | $55,000 | $331,000 |
| Loan Purchased By The Institution | 163 | $12,784,000 | $78,000 | $323,000 | $34,000 | $298,000 |
| Application Denied By Financial Institution | 65 | $4,956,000 | $76,000 | $288,000 | $76,000 | $1,560,000 |
| Application Approved But Not Accepted | 27 | $2,026,000 | $75,000 | $252,000 | $41,000 | $144,000 |
| Application Withdrawn By Applicant | 26 | $2,014,000 | $77,000 | $200,000 | $40,000 | $94,000 |
| File Closed For Incompleteness | 7 | $570,000 | $81,000 | $215,000 | $40,000 | $55,000 |
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 |
|---|---|---|---|---|---|---|
| Credit History | 16 | $884,000 | $55,000 | $141,000 | $45,000 | $96,000 |
| Credit Application Incomplete | 11 | $918,000 | $83,000 | $190,000 | $55,000 | $144,000 |
| Other | 11 | $808,000 | $73,000 | $169,000 | $55,000 | $256,000 |
| Collateral | 8 | $616,000 | $77,000 | $135,000 | $53,000 | $100,000 |
| Debt-To-Income Ratio | 5 | $445,000 | $89,000 | $142,000 | $33,000 | $114,000 |
| Employment History | 1 | $66,000 | $66,000 | $66,000 | $12,000 | $12,000 |
| Unverifiable Information | 1 | $158,000 | $158,000 | $158,000 | $43,000 | $43,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $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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