Bay County, MI Mortgage Lenders & HMDA Data, 2008
In 2008, lenders reported 5,133 mortgage applications in Bay County, MI totaling $478.1 million, down 32% from 2007. The average application was for $93,000, and applicants reported an average income of $55,000. 48% of applications resulted in an originated loan and 22% were denied. The most active lender was Independent Mortgage Co, with 357 applications, followed by Chemical Bank and JPMorgan Chase 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 | 5,133 |
| Total Mortgage Loan Application Amount | $478,084,000 |
| Average Mortgage Loan Application Amount | $93,000 |
| Highest Mortgage Loan Application Amount | $4,038,000 |
| Average Applicant Income | $55,000 |
| Highest Applicant Income | $1,608,000 |
* 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 |
|---|---|---|---|---|
| Independent Mortgage Co 230 W MAIN ST IONIA, MI 48846 |
* | $ 3,268,684,000 | 357 | $ 37,149,000 |
| Chemical Bank 333 E MAIN STREET MIDLAND, MI 48640 |
* | $ 3,746,851,000 | 354 | $ 26,577,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,318,888,000,000 | 331 | $ 36,248,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 207 | $ 22,357,000 |
| Warren Bank Mortgage Company 38880 GARFIELD CLINTON TOWNSHIP, MI 48038 |
* | $ 638,691,000 | 205 | $ 21,985,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 186 | $ 20,028,000 |
| Citizens Bank 328 S SAGINAW ST FLINT, MI 48502 |
* | $ 12,524,748,000 | 183 | $ 14,117,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,312,794,218,000 | 163 | $ 15,539,000 |
| Countrywide Bank FSB 30930 RUSSELL RANCH ROAD MS CA6-916-02-0 WESTLAKE VILLAGE, CA 91362 |
* | $ 121,054,736,000 | 163 | $ 17,973,000 |
| Financialedge Credit Union 1199 S. EUCLID AVE. BAY CITY, MI 48706 |
* | $ 50,508,000 | 143 | $ 9,502,000 |
| Hfc Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 15,000,000 | 121 | $ 12,925,000 |
| National City Bank 1900 E NINTH ST LOC 01-3144 CLEVELAND, OH 44114 |
* | $ 138,755,343,000 | 108 | $ 9,568,000 |
| Independent Bank 4200 EAST BELTLINE GRAND RAPIDS, MI 49525 |
* | $ 3,268,684,000 | 106 | $ 3,438,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 106 | $ 10,679,000 |
| Dow Credit Union 600 E. LYON ROAD P.O. BOX 1649 MIDLAND, MI 48641 |
* | $ 1,066,680,000 | 97 | $ 8,744,000 |
| Sunrise Family Credit Union 404 SOUTH EUCLID AVENUE BAY CITY, MI 48706 |
* | $ 73,416,000 | 96 | $ 3,262,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 467,861,000,000 | 91 | $ 8,292,000 |
| Member First Mortgage, LLC 616 44TH STREET SE GRAND RAPIDS, MI 49548 |
* | $ 11,800,000 | 80 | $ 6,644,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 28,404,352,000 | 79 | $ 9,210,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 15,757,171,000 | 77 | $ 8,309,000 |
| Wildfire Credit Union 6640 BAY RD SAGINAW, MI 48605 |
* | $ 443,804,000 | 74 | $ 4,872,000 |
| Polaris Home Funding Corp. 151 44TH ST. SW GRANDVILLE, MI 49418 |
* | $ 10,000,000 | 69 | $ 6,350,000 |
| Copoco Community Credit Union 4265 E WILDER RD BAY CITY, MI 48706 |
* | $ 56,530,000 | 67 | $ 4,663,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 61 | $ 6,579,000 |
| Community Central Bank 120 N. MAIN STREET MOUNT CLEMENS, MI 48043 |
* | $ 518,552,000 | 60 | $ 5,614,000 |
| Capital One NA 11130 INDUSTRIALPLEX BLVD BATON ROUGE, LA 70809 |
* | $ 97,517,902,000 | 59 | $ 525,000 |
| Fifth Third Mortgage, Mi LLC 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 48,969,650,000 | 57 | $ 6,650,000 |
| Jolt Credit Union 6180 STATE STREET SAGINAW, MI 48603 |
* | $ 211,377,000 | 53 | $ 4,030,000 |
| Taylor, Bean & Whitaker 315 NE 14TH STREET OCALA, FL 34470 |
* | $ 10,000,000 | 53 | $ 5,600,000 |
| Thumb National Mortgage LLC 7254 MICHIGAN AVE PIGEON, MI 48755 |
* | $ 181,354,000 | 52 | $ 6,768,000 |
| Ross Mortgage Corporation 2075 W. BIG BEAVER, SUITE 700 TROY, MI 48084 |
* | $ 10,000,000 | 49 | $ 4,691,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 61,450,273,000 | 48 | $ 4,954,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 45 | $ 4,800,000 |
| Wells Fargo Fin'l America, Inc 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 36,752,895,000 | 43 | $ 3,923,000 |
| United Bay Community CU 1309 N. LINCOLN AVE. BAY CITY, MI 48708 |
* | $ 133,907,000 | 36 | $ 202,000 |
| First National Bank of America 241 EAST SAGINAW EAST LANSING, MI 48823 |
* | $ 395,864,000 | 32 | $ 1,530,000 |
| 1st State Bank PO BOX 1468 SAGINAW, MI 48605 |
* | $ 124,655,000 | 31 | $ 4,048,000 |
| Wolverine Bank FSB 5710 EASTMAN AVE MIDLAND, MI 48640 |
* | $ 311,585,000 | 31 | $ 4,687,000 |
| D & R Mortgage Corp 29870 MIDDLEBELT ROAD FARMINGTON HILLS, MI 48334 |
* | $ 10,000,000 | 29 | $ 2,620,000 |
| American General Fin.Serv.(De) 601 N.W. SECOND STREET, P.O. BOX 59 EVANSVILLE, IN 47701 |
* | $ 10,000,000 | 28 | $ 433,000 |
| Amera Mortgage Corporation 1050 CORPORATE OFFICE DR #200 MILFORD, MI 48381 |
* | $ 1,247,334,000 | 28 | $ 2,510,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 232,759,503,000 | 27 | $ 3,178,000 |
| Fifth Third Bank Michigan 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 53,421,606,000 | 27 | $ 1,555,000 |
| Homecomings Financial LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 10,000,000 | 27 | $ 2,729,000 |
| Citifinancial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 26 | $ 1,244,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 22 | $ 619,000 |
| South Central Bank, National Association 525 W ROOSEVELT RD CHICAGO, IL 60607 |
* | $ 209,465,000 | 20 | $ 310,000 |
| Everbank 8100 NATIONS WAY JACKSONVILLE, FL 32256 |
* | $ 5,518,089,000 | 20 | $ 2,573,000 |
| Thumb National Bank and Trust Company 7254 MICHIGAN AVE., P.O. BOX 560 PIGEON, MI 48755 |
* | $ 205,635,000 | 19 | $ 4,037,000 |
| Beneficial Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 4,017,643,000 | 19 | $ 1,608,000 |
| Birmingham Bancorp Mortgage 6230 ORCHARD LAKE ROAD WEST BLOOMFIELD, MI 48322 |
* | $ 10,000,000 | 18 | $ 1,961,000 |
| Michigan Mutual, Inc 911 MILITARY STREET PORT HURON, MI 48060 |
* | $ 35,000,000,000 | 17 | $ 1,998,000 |
| Ge Money Bank 4246 SOUTH RIVERBOAT RDCSUITE 200 SALT LAKE CITY, UT 84123 |
* | $ 14,839,190,000 | 17 | $ 228,000 |
| Wanigas Credit Union 4026 SHATTUCK RD SAGINAW, MI 48603 |
* | $ 226,072,000 | 17 | $ 1,180,000 |
| United Financial Credit Union 4685 STATE ST. SAGINAW, MI 48603 |
* | $ 93,572,000 | 16 | $ 1,315,000 |
| Amtrust Bank 1801 E. 9TH ST #200 CLEVELAND, OH 44114 |
* | $ 16,938,391,000 | 16 | $ 1,791,000 |
| Shore Mortgage 770 S. ADAMS ROAD #300 BIRMINGHAM, MI 48009 |
* | $ 10,000,000 | 16 | $ 1,734,000 |
| Franklin American Mortgage Co 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 14 | $ 1,775,000 |
| Tcf National Bank 2508 LOUISE AVE S (002-01-P) SIOUX FALLS, SD 57106 |
* | $ 16,041,338,000 | 14 | $ 1,430,000 |
| Eloan 9600 WEST BRYN MAWR ROSEMONT, IL 60018 |
* | $ 48,624,000,000 | 13 | $ 1,736,000 |
| Team One Credit Union 520 HAYDEN SAGINAW, MI 48607 |
* | $ 257,837,000 | 13 | $ 646,000 |
| Guaranty Bank 8333 DOUGLAS AVENUE DALLAS, TX 75225 |
* | $ 16,674,004,000 | 13 | $ 984,000 |
| First Residential Mortgage 9721 ORMSBY STATION RD. LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 12 | $ 1,963,000 |
| First Tennessee Bank NA 165 MADISON 5TH FLOOR MEMPHIS, TN 38103 |
* | $ 36,725,591,000 | 12 | $ 1,317,000 |
| Tranex Financial Inc. 26200 AMERICAN DRIVE SOUTHFIELD, MI 48034 |
* | $ 10,000,000 | 12 | $ 1,360,000 |
| Countrywide Home Loans 30930 RUSSELL RANCH ROAD MS WLRR-148 WESTLAKE VILLAGE, CA 91362 |
* | $ 199,946,230,000 | 11 | $ 1,130,000 |
| Equifirst Corporation 13000 S TRYON ST, STE F, PMB 317 CHARLOTTE, NC 28278 |
* | $ 343,735,670,000 | 10 | $ 1,161,000 |
| Homeplus Finance Corporation 2143 S. SEPULVEDA BLVD LOS ANGELES, CA 90025 |
* | $ 40,000,000 | 10 | $ 95,000 |
| Provident Funding Associates 1235 NORTH DUTTON AVE STE E SANTA ROSA, CA 95401 |
* | $ 10,000,000 | 9 | $ 1,085,000 |
| Arbor Mortgage Corporation 2311 EAST BELTLINE AVE SE 200 GRAND RAPIDS, MI 49546 |
* | $ 15,555,000 | 9 | $ 712,000 |
| HSBC Mortgage Corp 2929 WALDEN AVE DEPEW, NY 14043 |
* | $ 92,958,000 | 9 | $ 1,403,000 |
| Capital One Home Loans, LLC 12800 FOSTER STREET OVERLAND PARK, KS 66213 |
* | $ 88,701,411,000 | 9 | $ 897,000 |
| Assurity Financial Services 6025 SOUTH QUEBEC STREET, #260 ENGLEWOOD, CO 80111 |
* | $ 10,000,000 | 9 | $ 1,052,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 9 | $ 1,004,000 |
| Residential Funding Corp. LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 10,000,000 | 9 | $ 536,000 |
| Lake Huron Credit Union 1540 TITTABAWASSEE RD SAGINAW, MI 48603 |
* | $ 39,842,000 | 8 | $ 708,000 |
| Wachovia Mortgage FSB TONYA YOUNG 100 N MAIN ST MAC D4001-063 WINSTON-SALEM, NC 27101 |
* | $ 56,294,475,000 | 8 | $ 902,000 |
| Security Credit Union 3801 W BOULEVARD DR BOX 5160 FLINT, MI 48505 |
* | $ 260,620,000 | 8 | $ 647,000 |
| Amerifirst Financial Corporati 616 WEST CENTRE AVENUE PORTAGE, MI 49024 |
* | $ 10,000,000 | 8 | $ 828,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 8 | $ 861,000 |
| Midfirst Bank 501 NW GRAND BLVD. OKLAHOMA CITY, OK 73118 |
* | $ 12,970,989,000 | 7 | $ 589,000 |
| Citibank, N.A. 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,251,715,000,000 | 7 | $ 206,000 |
| M&T Bank 1 M&T PLAZA -15TH FLOOR BUFFALO, NY 14203 |
* | $ 64,072,546,000 | 7 | $ 783,000 |
| Citicorp Trust Bank, FSB 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 18,878,056,000 | 6 | $ 535,000 |
| Nfcu 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 33,011,920,000 | 6 | $ 618,000 |
| Merrill Lynch Credit Corp. 4804 DEER LAKE DRIVE EAST BLDG 3 FL 5 JACKSONVILLE, FL 32246 |
* | $ 4,500,000,000 | 6 | $ 1,157,000 |
| Home Loan Center 163 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 6 | $ 762,000 |
| Mortgage Center Lc 26555 EVERGREEN RD SUITE 900 SOUTHFIELD, MI 48076 |
* | $ 30,000,000 | 6 | $ 899,000 |
| Allied Home Mtg Capital Corp 6110 PINEMONT DR., STE. 215 HOUSTON, TX 77092 |
* | $ 10,000,000 | 6 | $ 816,000 |
| Greenstone Farm Credit Services 3515 WEST RD EAST LANSING, MI 48823 |
* | $ 10,000,000 | 6 | $ 751,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 5 | $ 549,000 |
| Frankenmuth Credit Union 580 N. MAIN ST., PO BOX 209 FRANKENMUTH, MI 48734 |
* | $ 179,251,000 | 5 | $ 341,000 |
| Health Advantage Federal Credi 4550 STATE ST. SAGINAW, MI 48603 |
* | $ 77,655,000 | 5 | $ 216,000 |
| State Farm Bank 1 STATE FARM PLAZA BLOOMINGTON, IL 61710 |
* | $ 15,898,003,000 | 5 | $ 291,000 |
| First Place Bank 185 EAST MARKET WARREN, OH 44481 |
* | $ 33,000 | 5 | $ 367,000 |
| Npb Mortgage LLC 3333 DEPOSIT DRIVE NE GRAND RAPIDS, MI 49546 |
* | $ 145,000,000 | 5 | $ 336,000 |
| Isabella Bank 139 E. BROADWAY MT PLEASANT, MI 48858 |
* | $ 919,703,000 | 5 | $ 523,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 175,107,526,000 | 5 | $ 705,000 |
| Beneficial Financial I, Inc. 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 11,000,000 | 5 | $ 493,000 |
| Signature Bank 1 E HURON AVE BAD AXE, MI 48413 |
* | $ 258,279,000 | 4 | $ 164,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 30,219,506,000 | 4 | $ 294,000 |
| University Bank 2015 WASHTENAW AVE ANN ARBOR, MI 48104 |
* | $ 88,242,000 | 4 | $ 617,000 |
| US Bank North Dakota 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 5,028,246,000 | 4 | $ 507,000 |
| Family First Credit Union 3550 TITTABAWASSEE SAGINAW, MI 48604 |
* | $ 54,007,000 | 4 | $ 256,000 |
| Platinum Home Mortgage Corporation 2200 HICKS RD, STE 101 SPRINGFIELD, IL 60008 |
* | $ 10,000,000 | 4 | $ 482,000 |
| Freedom Mortgage Corp. 10500 KINCAID DR. STE. 300 FISHERS, IN 46037 |
* | $ 10,000,000 | 4 | $ 300,000 |
| Origen Financial Services LLC 27777 FRANKLIN ROAD SUITE 1710 SOUTHFIELD, MI 48034 |
* | $ 10,000,000 | 4 | $ 211,000 |
| Nationwide Advantage Mortgage 1100 LOCUST ST DES MOINES, IA 50391 |
* | $ 31,000,000 | 3 | $ 443,000 |
| Nationwide Mortgage Concepts, 40380 DESERT CREEK LANE RANCHO MIRAGE, CA 92270 |
* | $ 10,000,000 | 3 | $ 307,000 |
| Mac-Clair Mortgage Corporation 4255 S SAGINAW ST BURTON, MI 48529 |
* | $ 10,000,000 | 3 | $ 254,000 |
| Primary Residential Mortgage 4750 W WILEY POST WAY SUITE 200 SALT LAKE CITY, UT 84116 |
* | $ 10,000,000 | 3 | $ 338,000 |
| Firstbank - Alma Mortgage Co 311 WOODWORTH AVE. ALMA, MI 48801 |
* | $ 260,365,000 | 3 | $ 302,000 |
| Ing Bank, FSB 1 SOUTH ORANGE STREET WILMINGTON, DE 19801 |
* | $ 79,977,597,000 | 3 | $ 145,000 |
| Branch Banking and Trust Co 223 W NASH STREET WILSON, NC 27893 |
* | $ 127,698,351,000 | 3 | $ 339,000 |
| The Huntington National Bank 7575 HUNTINGTON PARK DR COLUMBUS, OH 43235 |
* | $ 54,098,791,000 | 3 | $ 210,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 124,782,289,000 | 3 | $ 85,000 |
| Homestar Bank and Financial Services 3 DIVERSATECH DR MANTENO, IL 60950 |
* | $ 462,816,000 | 3 | $ 91,000 |
| Wells Fargo Fin'l Michigan 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 36,752,895,000 | 3 | $ 197,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 1,770,082,000 | 2 | $ 59,000 |
| Community State Bank PO BOX 469 BIRCH RUN, MI 48415 |
* | $ 186,577,000 | 2 | $ 1,406,000 |
| United Midwest Savings Bank 101 S MAIN ST DEGRAFF, OH 43318 |
* | $ 260,888,000 | 2 | $ 126,000 |
| Cf Bancorp Mortgage Company 525 WATER STREET PORT HURON, MI 48060 |
* | $ 1,422,966,000 | 2 | $ 364,000 |
| Citi Residential Lending Inc. 153 EAST 53RD ST, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,121,487,000 | 2 | $ 154,000 |
| Thrivent Financial Bank 122 EAST COLLEGE AVE., SUITE 1E APPLETON, WI 54911 |
* | $ 490,140,000 | 2 | $ 489,000 |
| First State Mortgage Services 502 N HERSHEY ROAD BLOOMINGTON, IL 61704 |
* | $ 327,995,000 | 2 | $ 189,000 |
| Admirals Bank Former Domestic 815 RESERVOIR AVE CRANSTON, RI 02910 |
* | $ 258,853,000 | 2 | $ 27,000 |
| Premium Capital Funding LLC 125 JERICHO TPKE JERICHO, NY 11753 |
* | $ 10,000,000 | 2 | $ 151,000 |
| 1st Advantage Mortgage 701 E 22ND ST, STE 125 LOMBARD, IL 60148 |
* | $ 10,000,000 | 2 | $ 234,000 |
| Csmc, Inc 10425 W NORTH AVENUE SUITE 100 WAUWATOSA, WI 53226 |
* | $ 10,000,000 | 2 | $ 158,000 |
| Mortgage It Inc 60 WALL ST NEW YORK, NY 10005 |
* | $ 10,000,000 | 2 | $ 221,000 |
| Providence Mortgage Company 500 N HOMER LANSING, MI 48912 |
* | $ 10,000,000 | 2 | $ 567,000 |
| Plaza Home Mortgage, Inc 5090 SHOREHAM PLACE, SUITE #206 SAN DIEGO, CA 92122 |
* | $ 10,000,000 | 2 | $ 357,000 |
| Gvc Mortgage, Inc. ONE PLAZA DRIVE, SUITE 3 SUITE 200, IN 46064 |
* | $ 11,000,000 | 2 | $ 161,000 |
| Bbc Funding Corporation 6230 ORCHARD LAKE ROAD WEST BLOOMFIELD, MI 48322 |
* | $ 10,000,000 | 2 | $ 189,000 |
| Ideal Mortgage Bankers, Ltd 520 BROADHOLLOW ROAD MELVILLE, NY 11747 |
* | $ 10,000,000 | 2 | $ 169,000 |
| Greenlight Financial Services 18200 VON KARMAN STE #300 IRVINE, CA 92612 |
* | $ 10,000,000 | 1 | $ 69,000 |
| Mortgage 1 Incorporated 43456 MOUND ROAD STERLING HEIGHTS, MI 48314 |
* | $ 9,135,000 | 1 | $ 212,000 |
| Summit Mortgage Corporation 13355 10TH AVE N, #100 PLYMOUTH, MN 55441 |
* | $ 10,000,000 | 1 | $ 130,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD, SUITE 400 BRENTWOOD, TN 37027 |
* | $ 10,000,000 | 1 | $ 81,000 |
| Capital Mortgage Funding, LLC 17170 WEST 12 MILE ROAD SOUTHFIELD, MI 48076 |
* | $ 10,000,000 | 1 | $ 275,000 |
| Accredited Home Lenders, Inc 15253 AVENUE OF SCIENCE BLDG 1 SAN DIEGO, CA 92128 |
* | $ 10,000,000 | 1 | $ 71,000 |
| Castle Point Mortgage, Inc. 7 ENTIN ROAD, STE. 102 PARSIPPANY, NJ 07054 |
* | $ 16,999,000 | 1 | $ 32,000 |
| Gold Star Mortgage Financial Group, Corporation 2350 GREEN ROAD SUITE 100B ANN ARBOR, MI 48105 |
* | $ 10,000,000 | 1 | $ 187,000 |
| Vandyk Mortgage Corporation 2449 CAMELOT CT SE GRAND RAPIDS, MI 49546 |
* | $ 10,000,000 | 1 | $ 41,000 |
| Sirva Mortgage, Inc. 6200 OAK TREE BLVD STE 300 SEVEN HILLS, OH 44131 |
* | $ 101,315,000 | 1 | $ 160,000 |
| American Internet Mortgage, Inc. 4121 CAMINO DEL RIO SOUTH SAN DIEGO, CA 92108 |
* | $ 10,000,000 | 1 | $ 88,000 |
| Mountain States Mortgage 1333 E 9400 S SANDY, UT 84093 |
* | $ 10,000,000 | 1 | $ 139,000 |
| Lsi Mortgage Plus 6470 E JOHNS CROSSING STE 400 DULUTH, GA 30097 |
* | $ 1,704,000 | 1 | $ 145,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ 10,000,000 | 1 | $ 69,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ 10,000,000 | 1 | $ 135,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 1 | $ 67,000 |
| Saxon Mortgage 4840 COX ROAD GLEN ALLEN, VA 23060 |
* | $ 10,000,000 | 1 | $ 90,000 |
| Allen Mortgage, LLC P.O. BOX 1168 CENTENNIAL PARK, AZ 86021 |
* | $ 10,000,000 | 1 | $ 93,000 |
| CU Factory Built Lending, LP 6061 IH-10 WEST SAN ANTONIO, TX 78201 |
* | $ 1,761,607,000 | 1 | $ 51,000 |
| Michigan Schools and Governmen 40400 GARFIELD ROAD CLINTON TOWNSHIP, MI 48038 |
* | $ 839,762,000 | 1 | $ 70,000 |
| Amalgamated Credit Union 4686 FASHION SQUARE BLVD. SAGINAW, MI 48604 |
* | $ 42,330,000 | 1 | $ 78,000 |
| Elga Credit Union 2303 S. CENTER ROAD GRAND BLANC, MI 48439 |
* | $ 220,089,000 | 1 | $ 68,000 |
| PHH Home Loans, LLC 1 MORTGAGE WAY 2ND FLOOR MT LAUREL, NJ 08054 |
* | $ 4,597,939,000 | 1 | $ 200,000 |
| James B. Nutter & Co. 4153 BROADWAY KANSAS CITY, MO 64111 |
* | $ 31,000,000 | 1 | $ 36,000 |
| Capmark Fin.Inc-Debtorsinpossn 116 WELSH ROAD HORSHAM, PA 19044 |
* | $ 10,000,000 | 1 | $ 4,038,000 |
| Guardian Mortgage Company, Inc 100 N. CENTRAL EXPRESSWAY SUITE 190 RICHARDSON, TX 75083 |
* | $ 10,000,000 | 1 | $ 70,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 1 | $ 215,000 |
| Franklin First Financial, Ltd 538 BROADHOLLOW ROAD MELVILLE, NY 11747 |
* | $ 36,249,000 | 1 | $ 83,000 |
| Wilmington Finance, Inc. 620 W GERMANTOWN RD PLYMOUTH MEETING, PA 19462 |
* | $ 10,000,000 | 1 | $ 95,000 |
| Mld Mortgage Inc. 30B VREELAND ROAD FLORHAM PARK, NJ 07932 |
* | $ 10,000,000 | 1 | $ 78,000 |
| Avelo Mortgage, L.L.C 250 EAST JOHN CARPENTER FREEWAY IRVING, TX 75062 |
* | $ 10,000,000 | 1 | $ 91,000 |
| Gateway Bank, FSB 2336 MERCED STREET SAN LEANDRO, CA 94577 |
* | $ 403,955,000 | 1 | $ 72,000 |
| Home Loan Investment Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 266,672,000 | 1 | $ 62,000 |
| Dfcu Financial 400 TOWN CENTER DRIVE DEARBORN, MI 48126 |
* | $ 1,868,073,000 | 1 | $ 310,000 |
| Everhome Mortgage Company 8100 NATIONS WAY JACKSONVILLE, FL 32256 |
* | $ 3,027,261,000 | 1 | $ 72,000 |
| Pentagon Federal Credit Union 14300 SULLYFIELD CIRCLE CHANTILLY, VA 20151 |
* | $ 11,238,962,000 | 1 | $ 88,000 |
| Inova Federal Credit Union 358 S ELKHART AVENUE ELKHART, IN 46516 |
* | $ 264,857,000 | 1 | $ 72,000 |
| Msu Federal Credit Union 3777 WEST ROAD EAST LANSING, MI 48823 |
* | $ 1,450,443,000 | 1 | $ 40,000 |
| Ukrainian Selfreliance Mfcu 26791 RYAN WARREN, MI 48091 |
* | $ 144,818,000 | 1 | $ 127,000 |
| Nuunion Credit Union 501 S CAPITOL LANSING, MI 48933 |
* | $ 794,379,000 | 1 | $ 45,000 |
| Wintrust Mortgage Corporation 660 MIDWEST RD SUITE 100 OAK BROOK TERRACE, IL 60181 |
* | $ 300,000,000 | 1 | $ 113,000 |
| Comerica Bank 500 WOODWARD AVE - MC 3352 DETROIT, MI 48226 |
* | $ 62,539,056,000 | 1 | $ 28,000 |
| Carnegie Mortgage 2297 STATE HIGHWAY 33 HAMILTON SQUARE, NJ 08690 |
* | $ 193,976,000 | 1 | $ 75,000 |
| Keybank National Association 100 PUBLIC SQUARE STE 600 OH-01-10-06006 CLEVELAND, OH 44113 |
* | $ 95,861,810,000 | 1 | $ 17,000 |
| Eagle National Bank 8045 WEST CHESTER PIKE UPPER DARBY, PA 19082 |
* | $ 210,664,000 | 1 | $ 173,000 |
| Chase Manhattan Bank USA, NA 200 WHITE CLAY CENTER DR NEWARK, DE 19711 |
* | $ 77,748,330,000 | 1 | $ 112,000 |
| Associated Bank, N.A. 200 N ADAMS ST GREEN BAY, WI 54301 |
* | $ 21,335,735,000 | 1 | $ 130,000 |
| Rbs Citizens, N.A. ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 128,863,082,000 | 1 | $ 40,000 |
| Sterling National Mortgage Co. 98 CUTTERMILL RD GREAT NECK, NY 11021 |
* | $ 964,388,000 | 1 | $ 118,000 |
| Signature Mortgage 1 E HURON AVE BAD AXE, MI 48413 |
* | $ 265,423,000 | 1 | $ 58,000 |
| Progressive Mortgage Company 125 S. FIFTH AVE. ANN ARBOR, MI 48104 |
* | $ 327,000,000 | 1 | $ 206,000 |
| The Hometown Savings Bank 533 OHIO ST (PO BOX 9629) TERRE HAUTE, IN 47807 |
* | $ 218,871,000 | 1 | $ 74,000 |
| Cf Bancorp 525 WATER STREET PORT HURON, MI 48060 |
* | $ 1,795,681,000 | 1 | $ 65,000 |
| Fidelity Bank 22290 MICHIGAN AVENUE DEARBORN, MI 48124 |
* | $ 1,044,773,000 | 1 | $ 227,000 |
| Firsbank - Alma 311 WOODWORTH AVE ALMA, MI 48846 |
* | $ 259,780,000 | 1 | $ 9,000 |
| Wells Fargo Fin'l Missouri Inc 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 36,752,895,000 | 1 | $ 50,000 |
The tables below break down 2008 mortgage applications in Bay 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 Bay County, MI in 2008
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 | 2,809 | $302,632,000 | $107,000 | $4,038,000 | $58,000 | $1,608,000 |
| Home Purchase | 1,728 | $155,956,000 | $90,000 | $417,000 | $49,000 | $1,040,000 |
| Home Improvement | 596 | $19,496,000 | $32,000 | $429,000 | $55,000 | $231,000 |
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 | 4,282 | $389,612,000 | $90,000 | $1,106,000 | $58,000 | $1,608,000 |
| Not applicable | 386 | $49,206,000 | $127,000 | $4,038,000 | $21,000 | $218,000 |
| Not Provided | 270 | $23,143,000 | $85,000 | $339,000 | $52,000 | $347,000 |
| Hispanic | 130 | $9,590,000 | $73,000 | $306,000 | $48,000 | $172,000 |
| Black or African American | 27 | $2,012,000 | $74,000 | $197,000 | $39,000 | $90,000 |
| Asian | 22 | $3,376,000 | $153,000 | $417,000 | $94,000 | $480,000 |
| American Indian or Alaskan Native | 14 | $998,000 | $71,000 | $175,000 | $54,000 | $83,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $147,000 | $73,000 | $78,000 | $53,000 | $55,000 |
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) | 3,454 | $307,501,000 | $89,000 | $1,800,000 | $62,000 | $1,608,000 |
| FHA-insured (Federal Housing Administration) | 1,547 | $157,269,000 | $101,000 | $4,038,000 | $39,000 | $300,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 75 | $6,787,000 | $90,000 | $187,000 | $29,000 | $120,000 |
| VA-guaranteed (Veterans Administration) | 57 | $6,527,000 | $114,000 | $365,000 | $46,000 | $145,000 |
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 | 2,453 | $212,422,000 | $86,000 | $890,000 | $60,000 | $1,178,000 |
| Application Denied By Financial Institution | 1,109 | $99,356,000 | $89,000 | $1,800,000 | $51,000 | $763,000 |
| Loan Purchased By The Institution | 845 | $87,811,000 | $103,000 | $1,106,000 | $34,000 | $600,000 |
| Application Withdrawn By Applicant | 376 | $41,935,000 | $111,000 | $4,038,000 | $58,000 | $683,000 |
| Application Approved But Not Accepted | 252 | $24,706,000 | $98,000 | $429,000 | $71,000 | $1,500,000 |
| File Closed For Incompleteness | 98 | $11,854,000 | $120,000 | $285,000 | $85,000 | $1,608,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 231 | $11,654,000 | $50,000 | $275,000 | $50,000 | $763,000 |
| Collateral | 187 | $20,080,000 | $107,000 | $638,000 | $64,000 | $637,000 |
| Debt-To-Income Ratio | 112 | $12,236,000 | $109,000 | $1,800,000 | $37,000 | $148,000 |
| Other | 50 | $5,362,000 | $107,000 | $417,000 | $63,000 | $195,000 |
| Credit Application Incomplete | 28 | $3,503,000 | $125,000 | $238,000 | $46,000 | $107,000 |
| Unverifiable Information | 14 | $1,284,000 | $91,000 | $227,000 | $56,000 | $85,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 9 | $961,000 | $106,000 | $282,000 | $52,000 | $80,000 |
| Employment History | 2 | $176,000 | $88,000 | $115,000 | $37,000 | $40,000 |
| Mortgage Insurance Denied | 1 | $113,000 | $113,000 | $113,000 | $54,000 | $54,000 |
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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