Baraga County, MI Mortgage Lenders & HMDA Data, 2010
In 2010, lenders reported 155 mortgage applications in Baraga County, MI totaling $16.7 million, down 25% from 2009. The average application was for $107,000, and applicants reported an average income of $70,000. 52% of applications resulted in an originated loan and 26% were denied. The most active lender was Wells Fargo Bank, NA, with 23 applications, followed by Associated Bank, N.A. and Citimortgage, Inc.
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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 | 155 |
| Total Mortgage Loan Application Amount | $16,667,000 |
| Average Mortgage Loan Application Amount | $107,000 |
| Highest Mortgage Loan Application Amount | $437,000 |
| Average Applicant Income | $70,000 |
| Highest Applicant Income | $925,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Wells Fargo Bank, NA 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 608,778,000,000 | 23 | $ 2,552,000 |
| Associated Bank, N.A. 200 N ADAMS ST GREEN BAY, WI 54301 |
* | $ 22,564,122,000 | 22 | $ 2,347,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 13 | $ 1,387,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,627,684,000,000 | 12 | $ 1,031,000 |
| Midwest Loan Solutions, Inc. 29777 TELEGRAPH RD. SUITE 3580 SOUTHFIELD, MI 48034 |
* | $ 46,200,000 | 9 | $ 1,018,000 |
| Incrediblebank 327 N 17TH AVE WAUSAU, WI 54401 |
* | $ 951,759,000 | 8 | $ 1,262,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,465,221,449,000 | 7 | $ 660,000 |
| Chippewa Valley Bank 15755 W COUNTY ROAD B HAYWARD, WI 54843 |
* | $ 219,921,000 | 6 | $ 328,000 |
| Citizens Bank 328 S SAGINAW ST FLINT, MI 48502 |
* | $ 11,336,105,000 | 5 | $ 197,000 |
| Franklin American Mortgage Co 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 4 | $ 594,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 3 | $ 329,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 3 | $ 212,000 |
| Home Savings of America 35 E BROADWAY LITTLE FALLS, MN 56345 |
* | $ 477,531,000 | 3 | $ 403,000 |
| Greenstone Farm Credit Services 3515 WEST RD EAST LANSING, MI 48823 |
* | $ 10,000,000 | 2 | $ 672,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 260,309,849,000 | 2 | $ 117,000 |
| Citifinancial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 2 | $ 30,000 |
| Advantage Community Bank 101 W BUSINESS COUNTY ROAD A DORCHESTER, WI 54425 |
* | $ 115,522,000 | 2 | $ 215,000 |
| Horicon Bank 326 E LAKE ST, PO BOX 144 HORICON, WI 53032 |
* | $ 546,652,000 | 1 | $ 161,000 |
| First National Bank of America 241 EAST SAGINAW EAST LANSING, MI 48823 |
* | $ 475,815,000 | 1 | $ 10,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 4,542,636,000 | 1 | $ 32,000 |
| The Huntington National Bank 7575 HUNTINGTON PARK DR COLUMBUS, OH 43235 |
* | $ 51,111,245,000 | 1 | $ 15,000 |
| Johnson Bank 555 MAIN STREET SUITE 490 RACINE, WI 53403 |
* | $ 5,572,351,000 | 1 | $ 142,000 |
| Metlife Bank, N.A. 334 MADISON AVENUE CONVENT STATION, NJ 07961 |
* | $ 14,106,965,000 | 1 | $ 120,000 |
| Midfirst Bank 501 NW GRAND BLVD. OKLAHOMA CITY, OK 73118 |
* | $ 12,817,999,000 | 1 | $ 89,000 |
| Everbank 8100 NATIONS WAY JACKSONVILLE, FL 32256 |
* | $ 8,059,724,000 | 1 | $ 300,000 |
| Gold Star Mortgage Financial Group, Corporation 2350 GREEN ROAD SUITE 100B ANN ARBOR, MI 48105 |
* | $ 10,000,000 | 1 | $ 194,000 |
| American Internet Mortgage, Inc. 4121 CAMINO DEL RIO SOUTH SAN DIEGO, CA 92108 |
* | $ 10,000,000 | 1 | $ 120,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 197,928,000 | 1 | $ 150,000 |
| North Dallas Bank & Trust Co. 12900 PRESTON RD DALLAS, TX 75230 |
* | $ 1,074,210,000 | 1 | $ 135,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 37,922,355,000 | 1 | $ 157,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 14,483,100,000 | 1 | $ 118,000 |
| Dort Financial Credit Union 9048 HOLLY ROAD GRAND BLANC, MI 48439 |
* | $ 427,009,000 | 1 | $ 9,000 |
| Signature Federal Credit Union 12 HERBERT ST. ALEXANDRIA, VA 22305 |
* | $ 257,702,000 | 1 | $ 140,000 |
| Dow Credit Union 600 E. LYON ROAD P.O. BOX 1649 MIDLAND, MI 48641 |
* | $ 1,293,920,000 | 1 | $ 24,000 |
| Baxter Credit Union 340 N MILWAUKEE AVE 340 N MILWAUKEE AVE, IL 60061 |
* | $ 1,422,795,000 | 1 | $ 53,000 |
| Qr Lending Inc 555 ZOR SHRINE PLACE MADISON, WI 53719 |
* | $ 1,093,327,000 | 1 | $ 41,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 1 | $ 217,000 |
| Generation Mortgage Company 3565 PIEDMONT ROAD, NE STE. 300 ATLANTA, GA 30305 |
* | $ 73,926,000 | 1 | $ 49,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 1 | $ 106,000 |
| Michigan Mutual, Inc 911 MILITARY STREET PORT HURON, MI 48060 |
* | $ 35,000,000,000 | 1 | $ 158,000 |
The tables below break down 2010 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 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 | 130 | $14,895,000 | $114,000 | $437,000 | $72,000 | $925,000 |
| Home Purchase | 17 | $1,367,000 | $80,000 | $235,000 | $53,000 | $190,000 |
| Home Improvement | 8 | $405,000 | $50,000 | $146,000 | $62,000 | $217,000 |
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 | 125 | $14,020,000 | $112,000 | $437,000 | $75,000 | $925,000 |
| American Indian or Alaskan Native | 14 | $1,012,000 | $72,000 | $142,000 | $39,000 | $70,000 |
| Not Provided | 10 | $980,000 | $98,000 | $210,000 | $52,000 | $140,000 |
| Not applicable | 3 | $369,000 | $123,000 | $156,000 | $39,000 | $79,000 |
| Hispanic | 3 | $286,000 | $95,000 | $115,000 | $66,000 | $142,000 |
| 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) | 128 | $13,827,000 | $108,000 | $437,000 | $77,000 | $925,000 |
| FHA-insured (Federal Housing Administration) | 19 | $2,193,000 | $115,000 | $238,000 | $38,000 | $85,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 5 | $408,000 | $81,000 | $134,000 | $33,000 | $41,000 |
| VA-guaranteed (Veterans Administration) | 3 | $239,000 | $79,000 | $106,000 | $26,000 | $49,000 |
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 | 80 | $9,211,000 | $115,000 | $437,000 | $85,000 | $925,000 |
| Application Denied By Financial Institution | 40 | $3,884,000 | $97,000 | $417,000 | $57,000 | $190,000 |
| Application Withdrawn By Applicant | 15 | $1,582,000 | $105,000 | $205,000 | $52,000 | $168,000 |
| Loan Purchased By The Institution | 11 | $1,171,000 | $106,000 | $158,000 | $30,000 | $79,000 |
| Application Approved But Not Accepted | 5 | $117,000 | $23,000 | $51,000 | $59,000 | $89,000 |
| File Closed For Incompleteness | 4 | $702,000 | $175,000 | $300,000 | $74,000 | $112,000 |
| 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 | 17 | $1,655,000 | $97,000 | $217,000 | $62,000 | $190,000 |
| Credit Application Incomplete | 6 | $602,000 | $100,000 | $123,000 | $76,000 | $147,000 |
| Other | 4 | $323,000 | $80,000 | $157,000 | $61,000 | $106,000 |
| Debt-To-Income Ratio | 4 | $636,000 | $159,000 | $417,000 | $48,000 | $100,000 |
| Unverifiable Information | 2 | $252,000 | $126,000 | $166,000 | $35,000 | $40,000 |
| Credit History | 2 | $61,000 | $30,000 | $51,000 | $42,000 | $47,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| 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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