Bay County, MI Mortgage Lenders & HMDA Data, 2015
In 2015, lenders reported 4,086 mortgage applications in Bay County, MI totaling $376.1 million, up 8% from 2014. The average application was for $92,000, and applicants reported an average income of $57,000. 56% of applications resulted in an originated loan and 17% were denied. The most active lender was Neighborhood Mortgage Solutions, LLC, with 374 applications, followed by Academy Mortgage Corporation and Chemical 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 | 4,086 |
| Total Mortgage Loan Application Amount | $376,128,000 |
| Average Mortgage Loan Application Amount | $92,000 |
| Highest Mortgage Loan Application Amount | $5,930,000 |
| Average Applicant Income | $57,000 |
| Highest Applicant Income | $2,500,000 |
* 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 |
|---|---|---|---|---|
| Neighborhood Mortgage Solutions, LLC PO BOX 209 544 N MAIN ST FRANKENMUTH, MI 48734 |
* | $ 77,551,000 | 374 | $ 30,395,000 |
| Academy Mortgage Corporation 339 WEST 13490 SOUTH SALT LAKE CITY, UT 84020 |
* | $ 10,000,000 | 263 | $ 26,474,000 |
| Chemical Bank 333 E MAIN STREET MIDLAND, MI 48640 |
* | $ 7,312,796,000 | 254 | $ 23,035,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,532,784,000,000 | 192 | $ 18,034,000 |
| Wildfire Credit Union 6640 BAY RD SAGINAW, MI 48605 |
* | $ 675,074,000 | 172 | $ 14,321,000 |
| United Bay Community CU 1309 N. LINCOLN AVE. BAY CITY, MI 48708 |
* | $ 182,744,000 | 148 | $ 7,254,000 |
| Independent Bank 4200 EAST BELTLINE GRAND RAPIDS, MI 49525 |
* | $ 2,237,914,000 | 142 | $ 10,882,000 |
| Dow Credit Union 600 E. LYON ROAD P.O. BOX 1649 MIDLAND, MI 48641 |
* | $ 1,423,001,000 | 119 | $ 12,631,000 |
| Wanigas Credit Union 4026 SHATTUCK RD SAGINAW, MI 48603 |
* | $ 298,256,000 | 111 | $ 9,078,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 111 | $ 11,685,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 335,060,015,000 | 105 | $ 6,671,000 |
| Member First Mortgage, LLC 616 44TH STREET SE GRAND RAPIDS, MI 49548 |
* | $ 11,800,000 | 97 | $ 7,657,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,074,981,000,000 | 78 | $ 8,464,000 |
| 1st State Bank PO BOX 1468 SAGINAW, MI 48605 |
* | $ 215,831,000 | 75 | $ 13,054,000 |
| Flagstar Bank 5151 CORPORATE DRIVE TROY, MI 48098 |
* | $ 9,779,461,000 | 73 | $ 8,131,000 |
| Firstmerit Bank NA III CASCADE PLAZA - CAS46 AKRON, OH 44308 |
* | $ 24,884,993,000 | 72 | $ 3,521,000 |
| Sunrise Family Credit Union 404 SOUTH EUCLID AVENUE BAY CITY, MI 48706 |
* | $ 101,406,000 | 66 | $ 4,613,000 |
| Copoco Community Credit Union 4265 E WILDER RD BAY CITY, MI 48706 |
* | $ 101,773,000 | 61 | $ 3,493,000 |
| Frankenmuth Credit Union 580 N. MAIN ST., PO BOX 209 FRANKENMUTH, MI 48734 |
* | $ 345,038,000 | 57 | $ 4,800,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 53 | $ 4,308,000 |
| Jolt Credit Union 6180 STATE STREET SAGINAW, MI 48603 |
* | $ 325,939,000 | 47 | $ 365,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 43 | $ 5,328,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 43 | $ 4,371,000 |
| Financialedge Credit Union 1199 S. EUCLID AVE. BAY CITY, MI 48706 |
* | $ 81,942,000 | 43 | $ 3,098,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ 6,260,444,000 | 43 | $ 4,132,000 |
| Lake Michigan Credit Union PO BOX 2848 GRAND RAPIDS, MI 49501 |
* | $ 3,540,518,000 | 42 | $ 5,322,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 41 | $ 4,035,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 9,781,238,000 | 41 | $ 3,151,000 |
| United Financial Credit Union 4685 STATE ST. SAGINAW, MI 48603 |
* | $ 179,073,000 | 40 | $ 2,248,000 |
| Ross Mortgage Corporation 2075 W. BIG BEAVER, SUITE 700 TROY, MI 48084 |
* | $ 10,000,000 | 39 | $ 3,980,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 66,111,039,000 | 39 | $ 2,417,000 |
| Servion 500 MAIN STREET NEW BRIGHTON, MN 55112 |
* | $ 250,000,000 | 35 | $ 3,304,000 |
| Wolverine Bank FSB 5710 EASTMAN AVE MIDLAND, MI 48640 |
* | $ 336,634,000 | 34 | $ 5,915,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,356,442,000,000 | 33 | $ 2,712,000 |
| Fifth Third Mortgage, Mi LLC 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 48,969,000 | 32 | $ 3,490,000 |
| Union Home Mortgage Corp. 8241 DOW CIRCLE STRONGSVILLE, OH 44136 |
* | $ 10,000,000 | 30 | $ 2,356,000 |
| Thumb National Bank and Trust Company 7254 MICHIGAN AVE., P.O. BOX 560 PIGEON, MI 48755 |
* | $ 217,427,000 | 29 | $ 2,690,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 8,685,931,000 | 26 | $ 4,209,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 25 | $ 2,751,000 |
| Team One Credit Union 520 HAYDEN SAGINAW, MI 48607 |
* | $ 414,425,000 | 24 | $ 2,170,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,574,093,000,000 | 24 | $ 2,276,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 398,978,359,000 | 20 | $ 1,755,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 136,279,317,000 | 20 | $ 1,948,000 |
| Envoy Mortgage, Ltd 10496 KATY FWY STE 250 HOUSTON, TX 77024 |
* | $ 10,000,000 | 20 | $ 1,800,000 |
| Greenstone Farm Credit Services 3515 WEST RD EAST LANSING, MI 48823 |
* | $ 10,000,000 | 17 | $ 4,572,000 |
| Amerifirst Financial Corporation 950 TRADE CENTRE WAY SUITE 400 KALAMAZOO, MI 49009 |
* | $ 10,000,000 | 16 | $ 1,543,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ 10,000,000 | 15 | $ 1,939,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 67,301,894,000 | 15 | $ 1,941,000 |
| Fifth Third Bank 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 136,279,317,000 | 15 | $ 1,091,000 |
| Finance of America Commercial LLC 6230 FAIRVIEW ROAD, SUITE 300 CHARLOTTE, NC 28210 |
* | $ 214,531,000 | 14 | $ 336,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 63,635,411,000 | 12 | $ 738,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 11 | $ 999,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 21,610,491,000 | 10 | $ 1,012,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 10 | $ 783,000 |
| Firstmerit Mortgage Corp 4455 HILLS AND DALES RD. NW - MTG80 CANTON, OH 44708 |
* | $ 6,000,000,000 | 9 | $ 845,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ 945,758,000 | 9 | $ 857,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ 11,000,000 | 9 | $ 841,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 9 | $ 941,000 |
| Hantz Bank 26200 AMERICAN DRIVE, 2ND FLOOR SOUTHFIELD, MI 48034 |
* | $ 181,299,000 | 8 | $ 887,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ 1,000,000,000 | 8 | $ 502,000 |
| Performance Equity Partners, Inc. PO BOX 368 TINLEY PARK, IL 60477 |
* | $ 10,231,000 | 7 | $ 85,000 |
| Towne Mortgage Company 888 WEST BIG BEAVER ROAD SUITE 310 TROY, MI 48084 |
* | $ 35,475,880,000 | 7 | $ 561,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 6 | $ 510,000 |
| Homeward Residential, Inc. 16675 ADDISON ROAD ADDISON, TX 75001 |
* | $ 3,809,880,000 | 6 | $ 1,005,000 |
| National Asset Mortgage, LLC 4350 ST. ANDREWS RD.; SUITE F COLUMBIA, SC 29210 |
* | $ 3,392,190,000 | 6 | $ 222,000 |
| Isabella Bank 139 E. BROADWAY MT PLEASANT, MI 48858 |
* | $ 1,493,057,000 | 6 | $ 608,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 185,888,583,000 | 6 | $ 88,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 6 | $ 732,000 |
| Msu Federal Credit Union 3777 WEST ROAD EAST LANSING, MI 48823 |
* | $ 2,775,046,000 | 6 | $ 171,000 |
| Guardian Mortgage Company, Inc 100 N. CENTRAL EXPRESSWAY SUITE 150 RICHARDSON, TX 75083 |
* | $ 2,105,747,000 | 5 | $ 801,000 |
| Northpointe Bank 3333 DEPOSIT DRIVE NE GRAND RAPIDS, MI 49546 |
* | $ 421,350,000 | 5 | $ 881,000 |
| Mercantile Bank 310 LEONARD STREET NORTH WEST GRAND RAPIDS, MI 49504 |
* | $ 2,873,028,000 | 5 | $ 391,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 5 | $ 608,000 |
| Northstar Bank 833 S. VAN DYKE RD. BAD AXE, MI 48413 |
* | $ 484,982,000 | 4 | $ 301,000 |
| Consumers Credit Union PO BOX 525 KALAMAZOO, MI 49009 |
* | $ 585,361,000 | 4 | $ 28,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 4 | $ 187,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 16,808,214,000 | 4 | $ 99,000 |
| Comerica Bank FARMINGTON HILLS, MI 48331 |
* | $ 69,310,249,000 | 4 | $ 409,000 |
| Security Credit Union 5255 SECURITY PARK BLVD HOLLY, MI 48442 |
* | $ 382,974,000 | 4 | $ 82,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ 10,000,000 | 4 | $ 582,000 |
| Financial Plus Credit Union G-3381 VAN SLYKE RD, P.O. BOX 7006 FLINT, MI 48507 |
* | $ 425,715,000 | 4 | $ 187,000 |
| Mortgage 1 Incorporated 43456 MOUND ROAD STERLING HEIGHTS, MI 48314 |
* | $ 9,135,000 | 3 | $ 407,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ 4,410,000 | 3 | $ 307,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 185,888,583,000 | 3 | $ 387,000 |
| 1st Alliance Lending, LLC 111 FOUNDERS PLAZA, SUITE 1300 EAST HARTFORD, CT 06108 |
* | $ 3,285,000 | 3 | $ 137,000 |
| 360 Mortgage Group, LLC 11305 FOUR POINTS DRIVE, BLDG 1, #200 AUSTIN, TX 78726 |
* | $ 10,000,000 | 3 | $ 237,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 3 | $ 168,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 17,796,419,000 | 3 | $ 659,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ 10,000,000 | 3 | $ 420,000 |
| American Southwest Mortgage Corp. 5900 MOSTELLER DRIVE SUITE 10 OKLAHOMA CITY, OK 73112 |
* | $ 143,000,000 | 3 | $ 435,000 |
| Kiavi Funding, Inc. 315 MONTGOMERY STREET 16TH FLOOR SAN FRANCISCO, CA 94104 |
* | $ 41,332,772,000 | 3 | $ 295,000 |
| Emm Loans LLC 3 EXECUTIVE CAMPUS, SUITE 520 CHERRY HILL, NJ 08003 |
* | $ 10,000,000 | 3 | $ 404,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ 10,000,000 | 3 | $ 618,000 |
| Mortgage300 Corporation 10 SE CENTRAL PARKWAY SUITE 325 STUART, FL 34994 |
* | $ 500,000 | 3 | $ 255,000 |
| Stonegate Mortgage Corporation 9190 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 |
* | $ 10,000,000 | 3 | $ 279,000 |
| Pacor Mortgage Corp 14930 CICERO AVE OAK FOREST, IL 60452 |
* | $ 14,292,000 | 3 | $ 288,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ 11,000,000 | 2 | $ 299,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 2 | $ 381,000 |
| Finance of America Mortgage LLC 300 WELSH ROAD BUILDING 5 WILMINGTON, DE 19044 |
* | $ 10,000,000 | 2 | $ 293,000 |
| Huron Valley Financial, Inc. 2395 OAK VALLEY DRIVE, SUITE 200 ANN ARBOR, MI 48103 |
* | $ 10,000,000 | 2 | $ 421,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ 10,000,000 | 2 | $ 364,000 |
| Commercial Bank 301 N. STATE ST ALMA, MI 48801 |
* | $ 373,191,000 | 2 | $ 73,000 |
| J.G. Wentworth Home Lending, LLC 3350 COMMISSION COURT WOODBRIDGE, VA 22192 |
* | $ 10,000,000 | 2 | $ 233,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ 2,424,729,000 | 2 | $ 404,000 |
| Chickasaw Community Bank 909 S MERIDIAN AVE OKLAHOMA CITY, OK 73142 |
* | $ 108,323,000 | 2 | $ 267,000 |
| Family First Credit Union 3550 TITTABAWASSEE SAGINAW, MI 48604 |
* | $ 84,176,000 | 2 | $ 66,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 95,920,564,000 | 2 | $ 175,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 102,971,333,000 | 2 | $ 168,000 |
| First National Bank of America 241 EAST SAGINAW EAST LANSING, MI 48823 |
* | $ 668,685,000 | 2 | $ 86,000 |
| Summit Funding.Inc 2135 BUTANO DRIVE SUITE 150 SACRAMENTO, CA 95825 |
* | $ 1,000,000,000 | 2 | $ 95,000 |
| Tcf National Bank 2508 LOUISE AVE S (PCC-2E-L) SIOUX FALLS, SD 57106 |
* | $ 19,425,092,000 | 2 | $ 130,000 |
| Keybank National Association 127 PUBLIC SQUARE CLEVELAND, OH 44114 |
* | $ 91,782,513,000 | 2 | $ 72,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ 10,000,000 | 2 | $ 240,000 |
| Polaris Home Funding Corp. 151 44TH ST. SW GRANDVILLE, MI 49418 |
* | $ 10,000,000 | 2 | $ 169,000 |
| Discover Home Loans, Inc 173 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 83,125,845,000 | 2 | $ 310,000 |
| Admirals Bank 15 PARK ROW WEST PROVIDENCE, RI 02903 |
* | $ 451,471,000 | 2 | $ 12,000 |
| Talmer Bank and Trust 2301 W. BIG BEAVER RD., SUITE 200 TROY, MI 48084 |
* | $ 5,045,286,000 | 2 | $ 253,000 |
| SWBC Mortgage Corporation 9311 SAN PEDRO AVENUE STE 100 SAN ANTONIO, TX 78216 |
* | $ 502,411,000 | 2 | $ 50,000 |
| First Federal Bank of Kansas City 6900 EXECUTIVE DR KANSAS CITY, MO 64120 |
* | $ 463,562,000 | 1 | $ 348,000 |
| Howard Bank 6011 UNIVERSITY BLVD #370 ELLICOTT CITY, MD 21043 |
* | $ 691,345,000 | 1 | $ 209,000 |
| Mortgage Center Lc 26555 EVERGREEN RD SUITE 900 SOUTHFIELD, MI 48076 |
* | $ 30,000,000 | 1 | $ 145,000 |
| Banc of California, National Association 18500 VON KARMAN AVENUE SUITE 1100 IRVINE, CA 92612 |
* | $ 5,958,502,000 | 1 | $ 81,000 |
| Flagship Financial Group, Llc. 3130 W. MAPLE LOOP DR. LEHI, UT 84043 |
* | $ 0 | 1 | $ 160,000 |
| Success Mortgage Partners, Inc 1200 S. SHELDON RD. PLYMOUTH, MI 48170 |
* | $ 1,912,000 | 1 | $ 67,000 |
| One Reverse Mortgage, LLC 4445 EASTGATE MALL, SUITE 320 SAN DIEGO, CA 92121 |
* | $ 39,000,000 | 1 | $ 47,000 |
| Genisys Credit Union 2100 EXECUTIVE HILLS BLVD AUBURN HILLS, MI 48326 |
* | $ 1,661,461,000 | 1 | $ 7,000 |
| Community Financial 500 S HARVEY ST PLYMOUTH, MI 48170 |
* | $ 604,957,000 | 1 | $ 132,000 |
| Lakestone Bank & Trust 83 W NEPESSING ST LAPEER, MI 48446 |
* | $ 321,276,000 | 1 | $ 50,000 |
| Michigan Mutual, Inc 911 MILITARY STREET PORT HURON, MI 48060 |
* | $ 35,000,000,000 | 1 | $ 82,000 |
| Impac Mortgage Corp. 19500 JAMBOREE RD GLENDALE, CA 92612 |
* | $ 32,120,000 | 1 | $ 138,000 |
| Ukrainian Selfreliance Mfcu 26791 RYAN WARREN, MI 48091 |
* | $ 112,004,000 | 1 | $ 115,000 |
| Health Advantage Federal Credi 4550 STATE ST. SAGINAW, MI 48603 |
* | $ 120,515,000 | 1 | $ 84,000 |
| American Airlines Federal Cred 4151 AMON CARTER BLVD FORT WORTH, TX 76155 |
* | $ 5,629,251,000 | 1 | $ 97,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ 10,000,000 | 1 | $ 108,000 |
| Mbank 130 S CEDAR ST MANISTIQUE, MI 49854 |
* | $ 727,892,000 | 1 | $ 219,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 321,539,000 | 1 | $ 76,000 |
| Blg Holdings, LLC 2353 S. LINDEN RD. SUITE A FLINT, MI 48507 |
* | $ 1,781,000 | 1 | $ 112,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ 1,825,398,000 | 1 | $ 86,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 1 | $ 2,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ 1,543,699,000 | 1 | $ 205,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ 10,000,000 | 1 | $ 168,000 |
| Nations Direct Mortgage, LLC 2475 VILLAGE VIEW DRIVE SUITE 100 HENDERSON, NV 89074 |
* | $ 11,000,000 | 1 | $ 80,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ 100,247,000 | 1 | $ 46,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ 40,000,000 | 1 | $ 105,000 |
| Arvest Bank TULSA, OK 74103 |
* | $ 14,944,176,000 | 1 | $ 125,000 |
| Bokf NA ONE WEST 3RD, 5TH FL TULSA, OK 74172 |
* | $ 28,953,664,000 | 1 | $ 195,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 81,661,915,000 | 1 | $ 25,000 |
| Capital One, National Association 7933 PRESTON ROAD PLANO, TX 75024 |
* | $ 255,011,219,000 | 1 | $ 60,000 |
| Barings Multifamily Capital LLC 5800 TENNYSON PARKWAY, SUITE 200 PLANO, TX 75024 |
* | $ 10,000,000 | 1 | $ 1,411,000 |
| Mb Financial Bank, National Association 6111 N. RIVER ROAD ROSEMONT, IL 60018 |
* | $ 9,910,776,000 | 1 | $ 49,000 |
| Credit Union One 400 E NINE MILE RD FERNDALE, MI 48220 |
* | $ 850,965,000 | 1 | $ 126,000 |
| First Federal Bank 4705 US HWY 90 W LAKE CITY, FL 32055 |
* | $ 972,551,000 | 1 | $ 15,000 |
| United Bank of Michigan 900 EAST PARIS AVE SE GRAND RAPIDS, MI 49546 |
* | $ 495,730,000 | 1 | $ 5,930,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ 100,000,000 | 1 | $ 87,000 |
| Pacific Union Financial, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ 40,000,000 | 1 | $ 255,000 |
| United Security Financial Corp 930 EAST 6600 SOUTH MURRAY, UT 84121 |
* | $ 10,000,000 | 1 | $ 160,000 |
| Sagelink Credit Union 311 N SAGINAW ST DURAND, MI 48429 |
* | $ 169,312,000 | 1 | $ 40,000 |
| Vibe 44575 W 12 MILE NOVI, MI 48377 |
* | $ 419,314,000 | 1 | $ 222,000 |
| Bbmc Mortgage, LLC 100 W. 22ND ST LOMBARD, IL 60148 |
* | $ 149,000,000 | 1 | $ 174,000 |
| First Community Mortgage, Inc. 275 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ 10,000,000 | 1 | $ 92,000 |
| First Internet Bank of Indiana 11201 USA PARKWAY FISHERS, IN 46038 |
* | $ 968,312,000 | 1 | $ 125,000 |
| Wyndham Capital Mortgage, Inc. 6115 PARK SOUTH DRIVE, STE 200 RALEIGH, NC 28210 |
* | $ 10,000,000 | 1 | $ 220,000 |
| American Lending Solutions LLC N4365 STATE HWY 73 COLUMBUS, WI 53925 |
* | $ 10,861,469,000 | 1 | $ 80,000 |
| Gold Star Mortgage Financial Group, Corporation 2350 GREEN ROAD SUITE 100B ANN ARBOR, MI 48105 |
* | $ 10,000,000 | 1 | $ 53,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ 10,000,000 | 1 | $ 141,000 |
| Dart Bank 368 S. PARK ST. MASON, MI 48854 |
* | $ 290,341,000 | 1 | $ 127,000 |
| Paramount Residential Mortgage 1265 CORONA POINTE CT SUITE 301 CORONA, CA 92879 |
* | $ 4,993,000 | 1 | $ 93,000 |
| American Portfolio Mortgage Corporation 800 EAST NORTHWEST HIGHWAY PALATINE, IL 60067 |
* | $ 9,427,000 | 1 | $ 189,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ 10,000,000 | 1 | $ 334,000 |
| Chicago Mortgage Solutions LLC 9525 W BRYN MAWR AVE ROSEMONT, IL 60018 |
* | $ 10,000,000 | 1 | $ 314,000 |
The tables below break down 2015 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 2015
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 | 1,913 | $187,289,000 | $97,000 | $4,720,000 | $59,000 | $2,177,000 |
| Home Purchase | 1,777 | $172,395,000 | $97,000 | $1,900,000 | $55,000 | $2,500,000 |
| Home Improvement | 396 | $16,444,000 | $41,000 | $5,930,000 | $57,000 | $472,000 |
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 | 3,187 | $282,374,000 | $88,000 | $1,900,000 | $62,000 | $2,177,000 |
| Not applicable | 391 | $46,936,000 | $120,000 | $5,930,000 | $7,000 | $151,000 |
| Not Provided | 349 | $33,648,000 | $96,000 | $450,000 | $73,000 | $2,500,000 |
| Hispanic | 89 | $6,515,000 | $73,000 | $277,000 | $49,000 | $323,000 |
| Black or African American | 31 | $2,676,000 | $86,000 | $348,000 | $55,000 | $370,000 |
| American Indian or Alaskan Native | 23 | $1,975,000 | $85,000 | $184,000 | $56,000 | $200,000 |
| Asian | 14 | $1,677,000 | $119,000 | $175,000 | $59,000 | $112,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $327,000 | $163,000 | $225,000 | $86,000 | $117,000 |
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) | 2,915 | $263,410,000 | $90,000 | $5,930,000 | $67,000 | $2,177,000 |
| FHA-insured (Federal Housing Administration) | 836 | $77,458,000 | $92,000 | $276,000 | $29,000 | $684,000 |
| VA-guaranteed (Veterans Administration) | 210 | $23,922,000 | $113,000 | $348,000 | $53,000 | $2,500,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 125 | $11,338,000 | $90,000 | $170,000 | $27,000 | $85,000 |
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 | 2,271 | $214,653,000 | $94,000 | $5,930,000 | $66,000 | $2,177,000 |
| Application Denied By Financial Institution | 699 | $55,581,000 | $79,000 | $529,000 | $52,000 | $900,000 |
| Loan Purchased By The Institution | 442 | $40,893,000 | $92,000 | $407,000 | $14,000 | $472,000 |
| Application Withdrawn By Applicant | 356 | $34,191,000 | $96,000 | $1,900,000 | $66,000 | $2,500,000 |
| File Closed For Incompleteness | 240 | $23,009,000 | $95,000 | $350,000 | $60,000 | $684,000 |
| Application Approved But Not Accepted | 78 | $7,801,000 | $100,000 | $350,000 | $61,000 | $200,000 |
| 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 | 172 | $9,985,000 | $58,000 | $267,000 | $44,000 | $280,000 |
| Collateral | 98 | $9,942,000 | $101,000 | $334,000 | $67,000 | $393,000 |
| Debt-To-Income Ratio | 96 | $8,250,000 | $85,000 | $529,000 | $42,000 | $142,000 |
| Credit Application Incomplete | 47 | $4,094,000 | $87,000 | $393,000 | $51,000 | $230,000 |
| Other | 20 | $1,421,000 | $71,000 | $153,000 | $55,000 | $143,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 14 | $1,409,000 | $100,000 | $217,000 | $41,000 | $79,000 |
| Unverifiable Information | 9 | $722,000 | $80,000 | $232,000 | $65,000 | $117,000 |
| Employment History | 7 | $472,000 | $67,000 | $139,000 | $35,000 | $60,000 |
| 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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