Delta County, MI Mortgage Lenders & HMDA Data, 2022

In 2022, lenders reported 466 mortgage applications in Delta County, MI totaling $72.6 million, down 36% from 2021. The average application was for $155,000, and applicants reported an average income of $85,000. 52% of applications resulted in an originated loan and 16% were denied. The most active lender was Nicolet National Bank, with 37 applications, followed by Flagstar Bank NA and Mortgage Research Center.

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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 466
Total Mortgage Loan Application Amount $72,600,000
Average Mortgage Loan Application Amount $155,000
Highest Mortgage Loan Application Amount $965,000
Average Applicant Income $85,000
Highest Applicant Income $1,076,000

Mortgage Company List for Lending in Delta County, MI for 2022

* 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
Nicolet National Bank
111 N WASHINGTON ST
GREEN BAY, WI 54301
* $ 7,686,307,000 37 $ 4,805,000
Flagstar Bank NA

TROY, MI 49098
* $ 16,855,693,000 31 $ 4,025,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 27 $ 5,985,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,779,504,000,000 25 $ 4,535,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ -1,000 18 $ 3,120,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 15 $ 3,205,000
First Centennial Mortgage Corporation
2471 W SULLIVAN ROAD
CHICAGO, IL 60506
* $ -1,000 14 $ 1,500,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 11 $ 1,935,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 8 $ 1,160,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 7 $ 1,085,000
Finance of America Mortgage LLC
300 WELSH ROAD BUILDING 5
WILMINGTON, DE 19044
* $ -1,000 7 $ 1,605,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 7 $ 1,325,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 153,432,983,000 7 $ 1,105,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 6 $ 1,120,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ 3,348,940,000 6 $ 870,000
Top Flite Financial, Inc.
123 E GRAND RIVER AVE
WILLIAMSTON, MI 48895
* $ -1,000 6 $ 950,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 108,342,526,000 5 $ 345,000
Greenstone Farm Credit Services
3515 WEST RD
EAST LANSING, MI 48823
* $ -1,000 5 $ 915,000
Incrediblebank
327 N 17TH AVE
WAUSAU, WI 54401
* $ 1,758,190,000 5 $ 515,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ -1,000 5 $ 825,000
Michigan Mutual, Inc
911 MILITARY STREET
PORT HURON, MI 48060
* $ -1,000 5 $ 665,000
Citizens Equity First Credit U
5401 W DIRKSEN PKWY
PEORIA, IL 61607
* $ 7,713,957,000 4 $ 630,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ 173,414,362,000 4 $ 580,000
Figure Lending LLC

SAN FRANCISCO, CA 94108
* $ -1,000 4 $ 200,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ -1,000 4 $ 670,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 4 $ 690,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 564,154,604,000 4 $ 590,000
Msu Federal Credit Union
3777 WEST ROAD
EAST LANSING, MI 48823
* $ 6,719,007,000 4 $ 650,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 4 $ 470,000
Network Capital Funding Corporation
7700 IRVINE CENTER DRIVE #300
IRVINE, CA 92618
* $ -1,000 4 $ 620,000
Weichert Financial Services
225 LITTLETON ROAD
MORRIS PLAINS, NJ 07950
* $ -1,000 4 $ 1,200,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 2,519,525,000,000 4 $ 550,000
Independent Bank
4200 EAST BELTLINE
GRAND RAPIDS, MI 49525
* $ 4,702,462,000 3 $ 355,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ -1,000 3 $ 595,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 3 $ 475,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ -1,000 3 $ 405,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 117,378,701,000 3 $ 465,000
Honor Credit Union
EDGEWOOD RD
BERRIEN SPRINGS, MI 49103
* $ 1,437,766,000 3 $ 225,000
Range Bank
100 N FRONT ST
MARQUETTE, MI 49855
* $ 529,258,000 3 $ 275,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ -1,000 2 $ 310,000
Stephenson National Bank & Trust
1820 HALL AVE
MARINETTE, WI 54143
* $ 674,837,000 2 $ 250,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ -1,000 2 $ 380,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ -1,000 2 $ 210,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ -1,000 2 $ 270,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ -1,000 2 $ 180,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 2 $ 330,000
Better Mortgage Corporation
1 WORLD TRADE CENTER FL 80
NEW YORK, NY 10007
* $ -1,000 2 $ 200,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ -1,000 2 $ 180,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 551,902,526,000 2 $ 60,000
Colonial Savings
P O BOX 2988
FORT WORTH, TX 76102
* $ 1,089,286,000 2 $ 270,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ -1,000 2 $ 250,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ -1,000 2 $ 190,000
Homepromise Corporation
60 S WASHINGTON ST, STE 106
GREENCASTLE, PA 17225
* $ -1,000 2 $ 1,610,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 2 $ 310,000
Chicago Mortgage Solutions LLC
9525 W BRYN MAWR AVE
ROSEMONT, IL 60018
* $ -1,000 2 $ 350,000
Alliant Credit Union
11545 W TOUHY
CHICAGO, IL 60666
* $ 15,151,012,000 2 $ 80,000
Greenleaf Bank
PO BOX 260
GREENLEAF, WI 54126
* $ 127,749,000 2 $ 400,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ -1,000 2 $ 360,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 188,069,637,000 2 $ 110,000
United Federal Credit Union
2807 SOUTH STATE ST
ST. JOSEPH, MI 49085
* $ 3,863,597,000 1 $ 35,000
1st State Bank
PO BOX 1468
SAGINAW, MI 48605
* $ 456,542,000 1 $ 205,000
Servion
500 MAIN STREET
NEW BRIGHTON, MN 55112
* $ -1,000 1 $ 95,000
Vandyk Mortgage Corporation
2449 CAMELOT CT SE
GRAND RAPIDS, MI 49546
* $ -1,000 1 $ 145,000
Hall Financial
888 W BIG BEAVER RD, SUITE 800
TROY, MI 48083
* $ -1,000 1 $ 55,000
Arbor Financial Credit Union
1551 SOUTH 9TH STREET
KALAMAZOO, MI 49009
* $ 829,123,000 1 $ 135,000
Mortgage300 Corporation
10 SE CENTRAL PARKWAY SUITE 325
STUART, FL 34994
* $ -1,000 1 $ 45,000
Coast One Mortgage, LLC

FORT WASHINGTON, PA 19034
* $ -1,000 1 $ 105,000
Staunton Financial Inc
25800 NORTHWESTERN HIGHWAY SUITE 110
SOUTHFIELD, MI 48076
* $ -1,000 1 $ 505,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ -1,000 1 $ 55,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ -1,000 1 $ 175,000
Mortgage Solutions of Colorado
7450 CAMPUS DRIVE SUITE 200
COLORADO SPRINGS, CO 80920
* $ -1,000 1 $ 55,000
Nexbank
2515 MCKINNEY AVENUE, SUITE 1100
DALLAS, TX 75201
* $ 10,822,403,000 1 $ 105,000
Mercantile Bank
310 LEONARD STREET NORTH WEST
GRAND RAPIDS, MI 49504
* $ 5,238,290,000 1 $ 285,000
Financial Plus Credit Union
G-3381 VAN SLYKE RD, P.O. BOX 7006
FLINT, MI 48507
* $ 802,700,000 1 $ 25,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ -1,000 1 $ 185,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 547,610,000 1 $ 95,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ -1,000 1 $ 75,000
Intercity State Bank
962 GRAND AVE
SCHOFIELD, WI 54476
* $ 241,076,000 1 $ 105,000
Superior National Bank
235 QUINCY ST
HANCOCK, MI 49930
* $ 1,073,220,000 1 $ 105,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ -1,000 1 $ 105,000
Notre Dame Federal Credit Union
P.O. BOX 7878
NOTRE DAME, IN 46556
* $ 904,564,000 1 $ 85,000
Midwest Loan Solutions, Inc.
29777 TELEGRAPH RD. SUITE 3580
SOUTHFIELD, MI 48034
* $ -1,000 1 $ 75,000
Spring Eq, LLC
1 WEST ELM STREET SUITE 450
CONSHOHOCKEN, PA 19428
* $ -1,000 1 $ 25,000
NBKC Bank
8320 WARD PARKWAY
KANSAS CITY, MO 64114
* $ 1,041,605,000 1 $ 155,000
Dart Bank
368 S. PARK ST.
MASON, MI 48854
* $ 698,469,000 1 $ 265,000
One Community Bank
733 N MAIN ST
OREGON, WI 53575
* $ 1,614,121,000 1 $ 835,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 32,127,026,000 1 $ 115,000
Ally Bank

CHARLOTTE, NC 28202
* $ 172,820,000,000 1 $ 115,000
Equity Prime Mortgage LLC
5 CONCOURSE PKWY, STE 2250
ATLANTA, GA 30328
* $ -1,000 1 $ 275,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 3,306,982,000,000 1 $ 85,000
Associated Bank NA
200 NORTH ADAMS STREET
GREEN BAY, WI 54301
* $ 35,057,609,000 1 $ 95,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 32,520,025,000 1 $ 185,000
Newrez Ventures LLC
4000 W. BROWN DEER ROAD
SPRINGFIELD, IL 53209
* $ -1,000 1 $ 105,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 1 $ 105,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ -1,000 1 $ 315,000
The Fountain Trust Company
615 THIRD ST.
COVINGTON, IN 47932
* $ 601,635,000 1 $ 785,000
Guaranteed Rate Affinity, LLC
1800 WEST LARCHMONT AVE
CHICAGO, IL 60613
* $ -1,000 1 $ 105,000
Go Mortgage, LLC

COLUMBUS, OH 43219
* $ -1,000 1 $ 115,000
Longbridge Financial, LLC
1 INTERNATIONAL BOULEVARD, SUITE 900
MAHWAH, NJ 07495
* $ -1,000 1 $ 75,000
Credit Union One
400 E NINE MILE RD
FERNDALE, MI 48220
* $ 1,817,448,000 1 $ 155,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ -1,000 1 $ 175,000
Frankenmuth Credit Union
580 N. MAIN ST., PO BOX 209
FRANKENMUTH, MI 48734
* $ 1,071,830,000 1 $ 75,000
Compeer Financial
2600 JENNY WREN TRAIL
SUN PRAIRIE, WI 53590
* $ -1,000 1 $ 45,000
Covantage Credit Union
723 6TH AVE, PO BOX 107
ANTIGO, WI 54409
* $ 2,634,030,000 1 $ 75,000
Click N' Close, Inc.
15301 SPECTRUM DRIVE, SUITE 405
ADDISON, TX 75001
* $ -1,000 1 $ 95,000
Synergy One Lending, Inc.
3131 CAMINO DEL RIO N. SUITE 150
SAN DIEGO, CA 92101
* $ -1,000 1 $ 105,000
American Pacific Mortgage Corporation
3000 LAVA RIDGE COURT, SUITE 200
ROSEVILLE, CA 95661
* $ -1,000 1 $ 235,000

The tables below break down 2022 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 2022

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 248 $44,370,000 $178,000 $965,000 $87,000 $472,000
Cash-out Refinancing 128 $19,410,000 $151,000 $405,000 $75,000 $309,000
Refinancing 42 $5,550,000 $132,000 $395,000 $99,000 $1,076,000
Other Purpose 26 $1,900,000 $73,000 $255,000 $79,000 $234,000
Home Improvement 22 $1,370,000 $62,000 $165,000 $109,000 $646,000
Not Applicable 0 $0 $0 $0 $0 $0

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 333 $52,255,000 $156,000 $965,000 $89,000 $1,076,000
Not Provided 70 $9,180,000 $131,000 $345,000 $72,000 $311,000
Not applicable 48 $9,060,000 $188,000 $835,000 $0 $0
American Indian or Alaskan Native 5 $785,000 $157,000 $285,000 $60,000 $78,000
Hispanic 4 $450,000 $112,000 $175,000 $95,000 $147,000
Native Hawaiian or Other Pacific Islander 2 $190,000 $95,000 $95,000 $58,000 $58,000
Asian 2 $280,000 $140,000 $145,000 $60,000 $63,000
Black or African American 2 $400,000 $200,000 $275,000 $57,000 $82,000

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) 267 $35,925,000 $134,000 $965,000 $95,000 $1,076,000
VA-guaranteed (Veterans Administration) 123 $26,725,000 $217,000 $805,000 $76,000 $294,000
FHA-insured (Federal Housing Administration) 64 $8,450,000 $132,000 $315,000 $63,000 $190,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 12 $1,500,000 $125,000 $195,000 $43,000 $79,000

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 244 $38,550,000 $157,000 $835,000 $87,000 $646,000
Application Withdrawn By Applicant 77 $13,315,000 $172,000 $965,000 $93,000 $472,000
Application Denied By Financial Institution 73 $9,415,000 $128,000 $805,000 $63,000 $185,000
Loan Purchased By The Institution 39 $6,675,000 $171,000 $805,000 $45,000 $49,000
File Closed For Incompleteness 21 $3,325,000 $158,000 $405,000 $76,000 $270,000
Application Approved But Not Accepted 9 $975,000 $108,000 $185,000 $184,000 $1,076,000
Preapproval Approved but not Accepted 3 $345,000 $115,000 $155,000 $49,000 $76,000
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
Not applicable 390 $62,680,000 $160,000 $965,000 $90,000 $1,076,000
Credit History 26 $2,540,000 $97,000 $245,000 $71,000 $130,000
Debt-To-Income Ratio 17 $2,085,000 $122,000 $405,000 $41,000 $94,000
Collateral 15 $3,205,000 $213,000 $805,000 $67,000 $128,000
Credit Application Incomplete 8 $900,000 $112,000 $225,000 $64,000 $125,000
Other 4 $220,000 $55,000 $155,000 $73,000 $120,000
Unverifiable Information 3 $255,000 $85,000 $125,000 $72,000 $130,000
Insufficient Cash (Downpayment, Closing Cost) 3 $715,000 $238,000 $435,000 $88,000 $185,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0
Employment History 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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