Delta County, MI Mortgage Lenders & HMDA Data, 2014
In 2014, lenders reported 342 mortgage applications in Delta County, MI totaling $36.4 million, down 25% from 2013. The average application was for $106,000, and applicants reported an average income of $60,000. 56% of applications resulted in an originated loan and 19% were denied. The most active lender was Mbank, with 91 applications, followed by Wells Fargo Bank NA and JPMorgan Chase Bank, NA.
Looking for lender-specific data?
Download a formatted spreadsheet with aggregated HMDA statistics
for all lenders based in Michigan.
Whether you're an industry professional, homebuyer, or researcher, this data helps you stay informed
about local mortgage trends and lending activity.
| 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 | 342 |
| Total Mortgage Loan Application Amount | $36,365,000 |
| Average Mortgage Loan Application Amount | $106,000 |
| Highest Mortgage Loan Application Amount | $3,079,000 |
| Average Applicant Income | $60,000 |
| Highest Applicant Income | $617,000 |
* 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 |
|---|---|---|---|---|
| Mbank 130 S CEDAR ST MANISTIQUE, MI 49854 |
* | $ 569,294,000 | 91 | $ 8,368,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,373,600,000,000 | 85 | $ 7,757,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,945,467,000,000 | 11 | $ 796,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 11 | $ 1,033,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 8 | $ 923,000 |
| Firstmerit Bank NA III CASCADE PLAZA - CAS46 AKRON, OH 44308 |
* | $ 23,864,142,000 | 6 | $ 253,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 6 | $ 501,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 6 | $ 875,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 62,866,954,000 | 6 | $ 970,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,346,747,000,000 | 5 | $ 602,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 5 | $ 566,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 5 | $ 555,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,433,716,000,000 | 4 | $ 287,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 12,648,357,000 | 3 | $ 407,000 |
| Peoples Bank 4831 W 6TH ST LAWRENCE, KS 66049 |
* | $ 439,528,000 | 3 | $ 284,000 |
| American Airlines Federal Cred 4151 AMON CARTER BLVD FORT WORTH, TX 76155 |
* | $ 5,569,087,000 | 2 | $ 206,000 |
| BMO Harris Bank NA 111 W. MONROE CHICAGO, IL 60606 |
* | $ 91,286,152,000 | 2 | $ 312,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 245,863,000 | 2 | $ 280,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 55,502,976,000 | 2 | $ 223,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 309,999,678,000 | 2 | $ 141,000 |
| Fifth Third Mortgage, Mi LLC 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 48,969,000 | 2 | $ 60,000 |
| Discover Home Loans, Inc 173 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 79,339,664,000 | 2 | $ 271,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 171,261,678,000 | 2 | $ 83,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ 100,247,000 | 2 | $ 140,000 |
| Associated Bank NA 200 NORTH ADAMS STREET GREEN BAY, WI 54301 |
* | $ 23,932,159,000 | 2 | $ 197,000 |
| Incrediblebank 327 N 17TH AVE WAUSAU, WI 54401 |
* | $ 1,006,768,000 | 2 | $ 237,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 2 | $ 133,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 17,638,918,000 | 2 | $ 217,000 |
| Proficio Bank 6985 UNION PARK CENTER, SUITE 150 COTTONWOOD HEIGHTS, UT 84047 |
* | $ 168,648,000 | 2 | $ 404,000 |
| Roundpoint Mortgage Company 5032 PARKWAY PLAZA BLVD, STE 200 CHARLOTTE, NC 28278 |
* | $ 10,000,000 | 1 | $ 146,000 |
| One Reverse Mortgage, LLC 4445 EASTGATE MALL, SUITE 320 SAN DIEGO, CA 92121 |
* | $ 39,000,000 | 1 | $ 117,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 1 | $ 69,000 |
| Dfcu Financial 400 TOWN CENTER DRIVE DEARBORN, MI 48121 |
* | $ 3,538,032,000 | 1 | $ 156,000 |
| Sunrise Family Credit Union 404 SOUTH EUCLID AVENUE BAY CITY, MI 48706 |
* | $ 95,961,000 | 1 | $ 40,000 |
| Consumers Credit Union PO BOX 525 KALAMAZOO, MI 49009 |
* | $ 501,034,000 | 1 | $ 139,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ 1,825,398,000 | 1 | $ 97,000 |
| Stonegate Mortgage Corporation 9190 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 |
* | $ 10,000,000 | 1 | $ 118,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ 10,000,000 | 1 | $ 69,000 |
| Greenstone Farm Credit Services 3515 WEST RD EAST LANSING, MI 48823 |
* | $ 10,000,000 | 1 | $ 420,000 |
| Amerifirst Financial Corporation 950 TRADE CENTRE WAY SUITE 400 KALAMAZOO, MI 49009 |
* | $ 10,000,000 | 1 | $ 110,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ 10,000,000 | 1 | $ 201,000 |
| Homeward Residential, Inc. 16675 ADDISON ROAD ADDISON, TX 75001 |
* | $ 3,809,880,000 | 1 | $ 100,000 |
| Stephenson National Bank & Trust 1820 HALL AVE MARINETTE, WI 54143 |
* | $ 314,713,000 | 1 | $ 46,000 |
| The Park National Bank 50 N THIRD STREET NEWARK, OH 43055 |
* | $ 6,527,444,000 | 1 | $ 38,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 15,766,346,000 | 1 | $ 73,000 |
| PHH Home Loans, LLC 1 MORTGAGE WAY 2ND FLOOR MT LAUREL, NJ 08054 |
* | $ 4,597,939,000 | 1 | $ 150,000 |
| Ditech Mortgage Corp 1100 VIRGINIA DRIVE, SUITE 100 FT. WASHINGTON, PA 19034 |
* | $ 5,720,000 | 1 | $ 56,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ 945,758,000 | 1 | $ 109,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 84,362,333,000 | 1 | $ 72,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 360,478,278,000 | 1 | $ 128,000 |
| Heritage Credit Union 1212 HUXLEY STREET MADISON, WI 53704 |
* | $ 259,317,000 | 1 | $ 151,000 |
| Bay Bank 2555 PACKERLAND DRIVE GREEN BAY, WI 54313 |
* | $ 83,239,000 | 1 | $ 122,000 |
| Thrivent Federal Credit Union SHAKOPEE, MN 55379 |
* | $ 456,942,000 | 1 | $ 50,000 |
| Reverse Mortgage Solutions Inc 14405 WALTERS RD SUITE 200 HOUSTON, TX 77014 |
* | $ 10,978,000 | 1 | $ 117,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ 10,000,000 | 1 | $ 136,000 |
| Sierra Pacific Mortgage Co. Inc 1180 IRON POINT RD, SUITE 200 FOLSOM, CA 95630 |
* | $ 10,000,000 | 1 | $ 48,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 1 | $ 64,000 |
| Crescent Mortgage Company MORGANTOWN, WV 26505 |
* | $ 826,484,000 | 1 | $ 119,000 |
| First Choice Loan Services Inc. ONE TOWER CENTER, FLOOR #18 EAST BRUNSWICK, NJ 08816 |
* | $ 669,000,000 | 1 | $ 145,000 |
| 1st Source Bank P O BOX 1602 SUITE 400 SOUTH BEND, IN 46601 |
* | $ 4,711,247,000 | 1 | $ 55,000 |
| First National Bank of America 241 EAST SAGINAW EAST LANSING, MI 48823 |
* | $ 617,585,000 | 1 | $ 27,000 |
| Nicolet National Bank 111 N WASHINGTON ST GREEN BAY, WI 54301 |
* | $ 1,184,273,000 | 1 | $ 3,079,000 |
The tables below break down 2014 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 2014
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 |
|---|---|---|---|---|---|---|
| Home Purchase | 170 | $17,145,000 | $100,000 | $420,000 | $65,000 | $617,000 |
| Refinancing | 154 | $18,344,000 | $119,000 | $3,079,000 | $53,000 | $428,000 |
| Home Improvement | 18 | $876,000 | $48,000 | $279,000 | $81,000 | $253,000 |
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 | 285 | $27,814,000 | $97,000 | $420,000 | $65,000 | $617,000 |
| Not Provided | 27 | $2,926,000 | $108,000 | $212,000 | $51,000 | $156,000 |
| Not applicable | 23 | $4,816,000 | $209,000 | $3,079,000 | $17,000 | $148,000 |
| American Indian or Alaskan Native | 5 | $613,000 | $122,000 | $160,000 | $65,000 | $115,000 |
| Asian | 1 | $128,000 | $128,000 | $128,000 | $47,000 | $47,000 |
| Hispanic | 1 | $68,000 | $68,000 | $68,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 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) | 203 | $22,771,000 | $112,000 | $3,079,000 | $77,000 | $617,000 |
| FHA-insured (Federal Housing Administration) | 53 | $4,448,000 | $83,000 | $255,000 | $29,000 | $82,000 |
| VA-guaranteed (Veterans Administration) | 50 | $6,276,000 | $125,000 | $286,000 | $50,000 | $143,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 36 | $2,870,000 | $79,000 | $214,000 | $30,000 | $83,000 |
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 | 190 | $22,326,000 | $117,000 | $3,079,000 | $71,000 | $617,000 |
| Application Denied By Financial Institution | 64 | $5,679,000 | $88,000 | $222,000 | $46,000 | $134,000 |
| Application Withdrawn By Applicant | 26 | $2,711,000 | $104,000 | $268,000 | $60,000 | $254,000 |
| Loan Purchased By The Institution | 26 | $2,066,000 | $79,000 | $212,000 | $19,000 | $148,000 |
| Application Approved But Not Accepted | 23 | $1,678,000 | $72,000 | $201,000 | $65,000 | $135,000 |
| File Closed For Incompleteness | 13 | $1,905,000 | $146,000 | $250,000 | $55,000 | $122,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 12 | $1,213,000 | $101,000 | $222,000 | $43,000 | $70,000 |
| Credit History | 10 | $372,000 | $37,000 | $104,000 | $48,000 | $134,000 |
| Collateral | 7 | $679,000 | $97,000 | $156,000 | $44,000 | $72,000 |
| Credit Application Incomplete | 5 | $669,000 | $133,000 | $215,000 | $55,000 | $121,000 |
| Employment History | 2 | $136,000 | $68,000 | $86,000 | $26,000 | $29,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $198,000 | $99,000 | $145,000 | $42,000 | $53,000 |
| Unverifiable Information | 2 | $253,000 | $126,000 | $208,000 | $59,000 | $80,000 |
| Other | 1 | $59,000 | $59,000 | $59,000 | $45,000 | $45,000 |
| 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.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About