Dickinson County, MI Mortgage Lenders & HMDA Data, 2015
In 2015, lenders reported 365 mortgage applications in Dickinson County, MI totaling $40.7 million, up 17% from 2014. The average application was for $111,000, and applicants reported an average income of $72,000. 54% of applications resulted in an originated loan and 22% were denied. The most active lender was Incrediblebank, with 98 applications, followed by Wells Fargo Bank NA and Franklin American Mortgage Company.
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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 | 365 |
| Total Mortgage Loan Application Amount | $40,666,000 |
| Average Mortgage Loan Application Amount | $111,000 |
| Highest Mortgage Loan Application Amount | $395,000 |
| Average Applicant Income | $72,000 |
| Highest Applicant Income | $1,248,000 |
Top Mortgage Lenders in Dickinson County, MI (2015)
Ranked by the number of mortgage applications each lender reported in Dickinson County, MI in 2015.
| # | Mortgage Lender | Mortgage Applications | Total Dollar Amount | Average Loan Amount | Average Applicant Income |
|---|---|---|---|---|---|
| 1 | Incrediblebank Wausau, WI |
98 | $10,528,000 | $107,000 | $56,000 |
| 2 | Wells Fargo Bank NA Minneapolis, MN |
67 | $7,159,000 | $106,000 | $69,000 |
| 3 | Franklin American Mortgage Company Franklin, TN |
13 | $1,528,000 | $117,000 | $49,000 |
| 4 | Stonegate Mortgage Corporation Indianapolis, IN |
10 | $1,326,000 | $132,000 | $165,000 |
| 5 | USAA Federal Savings Bank San Antonio, TX |
10 | $1,225,000 | $122,000 | $56,000 |
| 6 | Covantage Credit Union Antigo, WI |
8 | $346,000 | $43,000 | $49,000 |
| 7 | loanDepot.com LLC Irvine, CA |
8 | $994,000 | $124,000 | $61,000 |
| 8 | First Guaranty Mortgage Corporation Tysons Corner, VA |
8 | $702,000 | $87,000 | $11,000 |
| 9 | New Day Financial, Llc. West Palm Beach, FL |
7 | $866,000 | $123,000 | $51,000 |
| 10 | JPMorgan Chase Bank, NA Columbus, OH |
6 | $727,000 | $121,000 | $55,000 |
The tables below break down 2015 mortgage applications in Dickinson 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 Dickinson 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 |
|---|---|---|---|---|---|---|
| Home Purchase | 187 | $20,506,000 | $109,000 | $368,000 | $63,000 | $340,000 |
| Refinancing | 148 | $18,155,000 | $122,000 | $395,000 | $78,000 | $1,248,000 |
| Home Improvement | 30 | $2,005,000 | $66,000 | $257,000 | $97,000 | $608,000 |
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 | 292 | $34,054,000 | $116,000 | $395,000 | $77,000 | $1,248,000 |
| Not Provided | 38 | $4,348,000 | $114,000 | $338,000 | $90,000 | $600,000 |
| Not applicable | 28 | $1,605,000 | $57,000 | $162,000 | $0 | $0 |
| Hispanic | 4 | $395,000 | $98,000 | $150,000 | $78,000 | $109,000 |
| American Indian or Alaskan Native | 3 | $264,000 | $88,000 | $159,000 | $13,000 | $29,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 195 | $21,538,000 | $110,000 | $395,000 | $89,000 | $608,000 |
| VA-guaranteed (Veterans Administration) | 94 | $11,895,000 | $126,000 | $360,000 | $50,000 | $153,000 |
| FHA-insured (Federal Housing Administration) | 63 | $6,169,000 | $97,000 | $257,000 | $62,000 | $1,248,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 13 | $1,064,000 | $81,000 | $153,000 | $28,000 | $65,000 |
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 | 196 | $22,243,000 | $113,000 | $395,000 | $67,000 | $608,000 |
| Application Denied By Financial Institution | 81 | $8,995,000 | $111,000 | $338,000 | $70,000 | $600,000 |
| Application Withdrawn By Applicant | 32 | $3,902,000 | $121,000 | $257,000 | $123,000 | $1,248,000 |
| Application Approved But Not Accepted | 26 | $2,179,000 | $83,000 | $199,000 | $92,000 | $608,000 |
| Loan Purchased By The Institution | 25 | $2,289,000 | $91,000 | $215,000 | $16,000 | $71,000 |
| File Closed For Incompleteness | 5 | $1,058,000 | $211,000 | $360,000 | $157,000 | $504,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 20 | $2,774,000 | $138,000 | $257,000 | $77,000 | $186,000 |
| Credit History | 14 | $917,000 | $65,000 | $257,000 | $71,000 | $271,000 |
| Credit Application Incomplete | 8 | $809,000 | $101,000 | $199,000 | $72,000 | $300,000 |
| Debt-To-Income Ratio | 3 | $294,000 | $98,000 | $200,000 | $38,000 | $64,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $80,000 | $80,000 | $80,000 | $60,000 | $60,000 |
| Other | 1 | $69,000 | $69,000 | $69,000 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| 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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