Baraga County, MI Mortgage Lenders & HMDA Data, 2011
In 2011, lenders reported 175 mortgage applications in Baraga County, MI totaling $16.6 million, up 13% from 2010. The average application was for $95,000, and applicants reported an average income of $54,000. 60% of applications resulted in an originated loan and 19% were denied. The most active lender was Associated Bank NA, with 47 applications, followed by Wells Fargo Bank NA and Incrediblebank.
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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 | 175 |
| Total Mortgage Loan Application Amount | $16,644,000 |
| Average Mortgage Loan Application Amount | $95,000 |
| Highest Mortgage Loan Application Amount | $417,000 |
| Average Applicant Income | $54,000 |
| Highest Applicant Income | $187,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Associated Bank NA 200 NORTH ADAMS STREET GREEN BAY, WI 54301 |
* | $ 21,813,152,000 | 47 | $ 4,564,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,104,833,000,000 | 17 | $ 1,774,000 |
| Incrediblebank 327 N 17TH AVE WAUSAU, WI 54401 |
* | $ 955,794,000 | 13 | $ 1,407,000 |
| Midwest Loan Solutions, Inc. 29777 TELEGRAPH RD. SUITE 3580 SOUTHFIELD, MI 48034 |
* | $ 46,200,000 | 13 | $ 1,188,000 |
| Chippewa Valley Bank 15755 W COUNTY ROAD B HAYWARD, WI 54843 |
* | $ 234,932,000 | 10 | $ 744,000 |
| Citizens Bank 328 S SAGINAW ST FLINT, MI 48502 |
* | $ 9,709,977,000 | 8 | $ 319,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,791,060,000,000 | 7 | $ 512,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,454,050,584,000 | 6 | $ 749,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 12,648,357,000 | 3 | $ 316,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 3 | $ 324,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 48,783,813,000 | 2 | $ 67,000 |
| Bankers' Bank 7700 MINERAL POINT ROAD MADISON, WI 53717 |
* | $ 494,772,000 | 2 | $ 189,000 |
| Ally Bank 2101 REXFORD ROAD, SUITE 350W CHARLOTTE, NC 28211 |
* | $ 77,423,723,000 | 2 | $ 185,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ 3,125,000 | 2 | $ 115,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 2 | $ 141,000 |
| Mbank 130 S CEDAR ST MANISTIQUE, MI 49854 |
* | $ 478,912,000 | 2 | $ 85,000 |
| Home Loan Center, Inc. 11115 RUSHMORE DRIVE CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 1 | $ 150,000 |
| Arbor Mortgage Corporation 2311 EAST BELTLINE AVE SE 200 GRAND RAPIDS, MI 49546 |
* | $ 15,555,000 | 1 | $ 99,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 1 | $ 69,000 |
| First National Bank of America 241 EAST SAGINAW EAST LANSING, MI 48823 |
* | $ 467,975,000 | 1 | $ 94,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 1 | $ 69,000 |
| Michigan Mutual, Inc 911 MILITARY STREET PORT HURON, MI 48060 |
* | $ 35,000,000,000 | 1 | $ 116,000 |
| Comerica Bank FARMINGTON HILLS, MI 48331 |
* | $ 54,071,375,000 | 1 | $ 92,000 |
| Qr Lending Inc 555 ZOR SHRINE PLACE MADISON, WI 53719 |
* | $ 1,093,327,000 | 1 | $ 95,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 1 | $ 69,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 1 | $ 131,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 310,099,589,000 | 1 | $ 417,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 15,104,501,000 | 1 | $ 41,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,216,291,000,000 | 1 | $ 90,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 109,283,991,000 | 1 | $ 96,000 |
| Independent Bank 4200 EAST BELTLINE GRAND RAPIDS, MI 49525 |
* | $ 2,536,098,000 | 1 | $ 147,000 |
| Endura Financial F. C. U. 820 N LILAC MINNEAPOLIS, MN 55422 |
* | $ 344,399,000 | 1 | $ 45,000 |
| Mortgage Center Lc 26555 EVERGREEN RD SUITE 900 SOUTHFIELD, MI 48076 |
* | $ 30,000,000 | 1 | $ 55,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 1 | $ 202,000 |
| Fifth Third Bank 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 108,668,289,000 | 1 | $ 185,000 |
| Gmac Mortgage, LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 1 | $ 66,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 108,971,662,000 | 1 | $ 65,000 |
| Fifth Third Mortgage, Mi LLC 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 48,969,000 | 1 | $ 128,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 1 | $ 88,000 |
| Access National Bank 1800 ROBERT FULTON DR RESTON, VA 20191 |
* | $ 830,474,000 | 1 | $ 95,000 |
| Ameriprise Bank, FSB 707 2ND AVENUE SOUTH MINNEAPOLIS, MN 55474 |
* | $ 3,862,039,000 | 1 | $ 108,000 |
The tables below break down 2011 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 2011
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 | 124 | $12,654,000 | $102,000 | $417,000 | $57,000 | $187,000 |
| Home Purchase | 47 | $3,826,000 | $81,000 | $176,000 | $48,000 | $144,000 |
| Home Improvement | 4 | $164,000 | $41,000 | $70,000 | $51,000 | $72,000 |
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 | 137 | $12,505,000 | $91,000 | $395,000 | $56,000 | $187,000 |
| American Indian or Alaskan Native | 15 | $1,117,000 | $74,000 | $139,000 | $52,000 | $103,000 |
| Not Provided | 14 | $1,571,000 | $112,000 | $170,000 | $66,000 | $116,000 |
| Not applicable | 8 | $1,286,000 | $160,000 | $417,000 | $9,000 | $73,000 |
| Asian | 1 | $165,000 | $165,000 | $165,000 | $86,000 | $86,000 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 138 | $13,447,000 | $97,000 | $417,000 | $59,000 | $187,000 |
| FHA-insured (Federal Housing Administration) | 18 | $1,797,000 | $99,000 | $202,000 | $32,000 | $120,000 |
| VA-guaranteed (Veterans Administration) | 10 | $885,000 | $88,000 | $131,000 | $47,000 | $87,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 9 | $515,000 | $57,000 | $86,000 | $31,000 | $48,000 |
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 | 105 | $10,006,000 | $95,000 | $400,000 | $57,000 | $187,000 |
| Application Denied By Financial Institution | 34 | $3,166,000 | $93,000 | $220,000 | $63,000 | $130,000 |
| Loan Purchased By The Institution | 18 | $1,818,000 | $101,000 | $417,000 | $28,000 | $144,000 |
| Application Withdrawn By Applicant | 12 | $1,006,000 | $83,000 | $132,000 | $36,000 | $98,000 |
| Application Approved But Not Accepted | 4 | $382,000 | $95,000 | $108,000 | $74,000 | $119,000 |
| File Closed For Incompleteness | 2 | $266,000 | $133,000 | $150,000 | $55,000 | $63,000 |
| 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 | 7 | $741,000 | $105,000 | $152,000 | $78,000 | $130,000 |
| Debt-To-Income Ratio | 7 | $777,000 | $111,000 | $185,000 | $49,000 | $103,000 |
| Credit History | 6 | $495,000 | $82,000 | $220,000 | $58,000 | $95,000 |
| Mortgage Insurance Denied | 2 | $257,000 | $128,000 | $162,000 | $104,000 | $114,000 |
| Credit Application Incomplete | 2 | $130,000 | $65,000 | $78,000 | $44,000 | $68,000 |
| Other | 1 | $94,000 | $94,000 | $94,000 | $55,000 | $55,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 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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