Delta County, MI Mortgage Lenders & HMDA Data, 2010
In 2010, lenders reported 491 mortgage applications in Delta County, MI totaling $54.6 million, down 25% from 2009. The average application was for $111,000, and applicants reported an average income of $70,000. 56% of applications resulted in an originated loan and 19% were denied. The most active lender was Wells Fargo Bank, NA, with 209 applications, followed by Mbank 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 | 491 |
| Total Mortgage Loan Application Amount | $54,634,000 |
| Average Mortgage Loan Application Amount | $111,000 |
| Highest Mortgage Loan Application Amount | $971,000 |
| Average Applicant Income | $70,000 |
| Highest Applicant Income | $846,000 |
* 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 |
|---|---|---|---|---|
| Wells Fargo Bank, NA 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 608,778,000,000 | 209 | $ 23,425,000 |
| Mbank 130 S CEDAR ST MANISTIQUE, MI 49854 |
* | $ 515,515,000 | 68 | $ 7,424,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,627,684,000,000 | 27 | $ 3,007,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,465,221,449,000 | 25 | $ 2,926,000 |
| First Independence Bank 7310 WOODWARD AVE SUITE 101 DETROIT, MI 48202 |
* | $ 159,260,000 | 23 | $ 2,288,000 |
| Citizens Bank 328 S SAGINAW ST FLINT, MI 48502 |
* | $ 11,336,105,000 | 11 | $ 622,000 |
| New York Community Bank 1 JERICHO PLAZA JERICHO, NY 11753 |
* | $ 40,150,052,000 | 9 | $ 1,330,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 9 | $ 1,049,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 7 | $ 753,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 7 | $ 676,000 |
| Greenstone Farm Credit Services 3515 WEST RD EAST LANSING, MI 48823 |
* | $ 10,000,000 | 6 | $ 674,000 |
| Shore Mortgage 770 S. ADAMS ROAD #300 BIRMINGHAM, MI 48009 |
* | $ 10,000,000 | 6 | $ 1,042,000 |
| Independent Bank 4200 EAST BELTLINE GRAND RAPIDS, MI 49525 |
* | $ 2,963,444,000 | 5 | $ 43,000 |
| Incrediblebank 327 N 17TH AVE WAUSAU, WI 54401 |
* | $ 951,759,000 | 5 | $ 332,000 |
| Citifinancial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 5 | $ 195,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 37,922,355,000 | 4 | $ 682,000 |
| Mms Mortgage Services, Ltd. 38275 TWELVE MILE RD., SUITE 100 FARMINGTON HILLS, MI 48331 |
* | $ 5,598,000 | 3 | $ 238,000 |
| First State Mortgage Services 502 N HERSHEY ROAD BLOOMINGTON, IL 61704 |
* | $ 327,995,000 | 3 | $ 243,000 |
| Fifth Third Bank 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 112,736,105,000 | 3 | $ 315,000 |
| M&I Marshall & Ilsley Bank W57N14280 DOERR WAY CEDARBURG, WI 53012 |
* | $ 50,253,578,000 | 2 | $ 220,000 |
| Thrivent Financial Bank 122 EAST COLLEGE AVE., SUITE 1E APPLETON, WI 54911 |
* | $ 548,648,000 | 2 | $ 220,000 |
| Associated Bank, N.A. 200 N ADAMS ST GREEN BAY, WI 54301 |
* | $ 22,564,122,000 | 2 | $ 219,000 |
| Nicolet National Bank 111 N WASHINGTON ST GREEN BAY, WI 54301 |
* | $ 657,127,000 | 2 | $ 711,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 55,302,902,000 | 2 | $ 381,000 |
| Nfcu 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 39,610,194,000 | 2 | $ 314,000 |
| Chemical Bank 333 E MAIN STREET MIDLAND, MI 48640 |
* | $ 4,243,065,000 | 2 | $ 204,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 14,483,100,000 | 2 | $ 234,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 2 | $ 183,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 2 | $ 337,000 |
| Qr Lending Inc 555 ZOR SHRINE PLACE MADISON, WI 53719 |
* | $ 1,093,327,000 | 1 | $ 90,000 |
| Wcs Lending, LLC 951 YAMATO ROAD, SUITE 150 BOCA RATON, FL 33431 |
* | $ 25,076,000 | 1 | $ 212,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 1 | $ 65,000 |
| Msu Federal Credit Union 3777 WEST ROAD EAST LANSING, MI 48823 |
* | $ 1,816,252,000 | 1 | $ 88,000 |
| Michigan Educational 9200 HAGGERTY ROAD PLYMOUTH, MI 48170 |
* | $ 572,128,000 | 1 | $ 69,000 |
| Covantage Credit Union 723 6TH AVE, PO BOX 107 ANTIGO, WI 54409 |
* | $ 784,163,000 | 1 | $ 45,000 |
| Franklin American Mortgage Co 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 1 | $ 95,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 1 | $ 82,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 1 | $ 97,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 1 | $ 219,000 |
| American Internet Mortgage, Inc. 4121 CAMINO DEL RIO SOUTH SAN DIEGO, CA 92108 |
* | $ 10,000,000 | 1 | $ 184,000 |
| Mortgage Now, Inc. 1161 BROAD ST SUITE 212 SHREWSBURY, NJ 07702 |
* | $ 10,000,000 | 1 | $ 126,000 |
| Fifth Third Mortgage, Mi LLC 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 48,969,000 | 1 | $ 277,000 |
| The Huntington National Bank 7575 HUNTINGTON PARK DR COLUMBUS, OH 43235 |
* | $ 51,111,245,000 | 1 | $ 120,000 |
| Harris N.A. 111 W. MONROE CHICAGO, IL 60603 |
* | $ 43,971,627,000 | 1 | $ 54,000 |
| First National Bank of America 241 EAST SAGINAW EAST LANSING, MI 48823 |
* | $ 475,815,000 | 1 | $ 19,000 |
| Chippewa Valley Bank 15755 W COUNTY ROAD B HAYWARD, WI 54843 |
* | $ 219,921,000 | 1 | $ 174,000 |
| Proficio Bank 6985 UNION PARK CENTER, SUITE 150 COTTONWOOD HEIGHTS, UT 84047 |
* | $ 276,676,000 | 1 | $ 101,000 |
| Firstbank - Alma Mortgage Co 311 WOODWORTH AVE. ALMA, MI 48801 |
* | $ 260,365,000 | 1 | $ 64,000 |
| E*Trade Bank 671 NORTH GLEBE RD, 12TH FLOOR ARLINGTON, VA 22203 |
* | $ 45,042,065,000 | 1 | $ 110,000 |
| First Century Bank, National Association 807 DORSEY ST GAINESVILLE, GA 30501 |
* | $ 76,565,000 | 1 | $ 72,000 |
| South Central Bank, National Association 525 W ROOSEVELT RD CHICAGO, IL 60607 |
* | $ 237,957,000 | 1 | $ 24,000 |
| Merrill Lynch Credit Corp 4500 PARK GRANADA CA7-910-01-24 CALABASAS, CA 91302 |
* | $ 2,223,299,000 | 1 | $ 237,000 |
| Ing Bank, FSB 1 SOUTH ORANGE STREET WILMINGTON, DE 19801 |
* | $ 90,293,933,000 | 1 | $ 89,000 |
| Bank Mutual 4949 W BROWN DEER ROAD MILWAUKEE, WI 53224 |
* | $ 3,511,269,000 | 1 | $ 166,000 |
| Citizens Community Federal PO BOX 218 ALTOONA, WI 54720 |
* | $ 566,651,000 | 1 | $ 61,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 164,340,844,000 | 1 | $ 109,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 112,736,105,000 | 1 | $ 277,000 |
| Comerica Bank 500 WOODWARD AVE - MC 3352 DETROIT, MI 48226 |
* | $ 59,143,523,000 | 1 | $ 65,000 |
The tables below break down 2010 mortgage applications in Delta 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 Delta 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 | 345 | $41,420,000 | $120,000 | $971,000 | $73,000 | $846,000 |
| Home Purchase | 127 | $12,122,000 | $95,000 | $300,000 | $63,000 | $230,000 |
| Home Improvement | 19 | $1,092,000 | $57,000 | $239,000 | $67,000 | $135,000 |
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 | 447 | $49,130,000 | $109,000 | $971,000 | $71,000 | $846,000 |
| Not Provided | 20 | $2,781,000 | $139,000 | $277,000 | $101,000 | $300,000 |
| Not applicable | 12 | $1,555,000 | $129,000 | $237,000 | $6,000 | $77,000 |
| American Indian or Alaskan Native | 8 | $943,000 | $117,000 | $212,000 | $18,000 | $66,000 |
| Hispanic | 2 | $183,000 | $91,000 | $123,000 | $130,000 | $141,000 |
| Asian | 1 | $30,000 | $30,000 | $30,000 | $75,000 | $75,000 |
| Black or African American | 1 | $12,000 | $12,000 | $12,000 | $31,000 | $31,000 |
| 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) | 319 | $35,218,000 | $110,000 | $971,000 | $83,000 | $846,000 |
| FHA-insured (Federal Housing Administration) | 80 | $9,221,000 | $115,000 | $261,000 | $49,000 | $187,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 46 | $4,114,000 | $89,000 | $214,000 | $39,000 | $86,000 |
| VA-guaranteed (Veterans Administration) | 46 | $6,081,000 | $132,000 | $252,000 | $44,000 | $211,000 |
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 | 276 | $31,289,000 | $113,000 | $971,000 | $68,000 | $300,000 |
| Application Denied By Financial Institution | 91 | $8,794,000 | $96,000 | $652,000 | $71,000 | $832,000 |
| Application Withdrawn By Applicant | 48 | $6,022,000 | $125,000 | $417,000 | $76,000 | $469,000 |
| Loan Purchased By The Institution | 43 | $5,280,000 | $122,000 | $277,000 | $44,000 | $300,000 |
| Application Approved But Not Accepted | 25 | $2,555,000 | $102,000 | $417,000 | $91,000 | $557,000 |
| File Closed For Incompleteness | 8 | $694,000 | $86,000 | $125,000 | $150,000 | $846,000 |
| 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 |
|---|---|---|---|---|---|---|
| Other | 16 | $1,570,000 | $98,000 | $241,000 | $78,000 | $205,000 |
| Collateral | 14 | $1,300,000 | $92,000 | $214,000 | $69,000 | $135,000 |
| Debt-To-Income Ratio | 14 | $2,012,000 | $143,000 | $652,000 | $46,000 | $87,000 |
| Credit History | 10 | $683,000 | $68,000 | $212,000 | $63,000 | $152,000 |
| Credit Application Incomplete | 7 | $1,024,000 | $146,000 | $288,000 | $70,000 | $120,000 |
| Employment History | 2 | $181,000 | $90,000 | $125,000 | $223,000 | $410,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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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