Emmet County, MI Mortgage Lenders & HMDA Data, 2018
In 2018, lenders reported 1,517 mortgage applications in Emmet County, MI totaling $289.0 million, up 6% from 2017. The average application was for $190,000, and applicants reported an average income of $137,000. 60% of applications resulted in an originated loan and 16% were denied. The most active lender was Chemical Bank, with 340 applications, followed by Huntington National Bank 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 | 1,517 |
| Total Mortgage Loan Application Amount | $289,015,000 |
| Average Mortgage Loan Application Amount | $190,000 |
| Highest Mortgage Loan Application Amount | $3,505,000 |
| Average Applicant Income | $137,000 |
| Highest Applicant Income | $4,159,000 |
* 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 |
|---|---|---|---|---|
| Chemical Bank 333 E MAIN STREET MIDLAND, MI 48640 |
* | $ 19,236,876,000 | 340 | $ 70,070,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 104,052,030,000 | 104 | $ 13,890,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,140,778,000,000 | 102 | $ 20,730,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 74 | $ 12,990,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 64 | $ 13,690,000 |
| Fifth Third Bank 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 140,077,697,000 | 53 | $ 4,975,000 |
| Lake Michigan Credit Union PO BOX 2848 GRAND RAPIDS, MI 49501 |
* | $ 5,221,804,000 | 39 | $ 9,185,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 370,002,264,000 | 39 | $ 6,025,000 |
| Fifth Third Mortgage-Mi, LLC 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ -1,000 | 33 | $ 5,695,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ -1,000 | 33 | $ 5,725,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,747,398,000,000 | 32 | $ 5,460,000 |
| First Community Bank 200 EAST MAIN STREET HARBOR SPRINGS, MI 49740 |
* | $ 287,978,000 | 24 | $ 5,450,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,751,524,000,000 | 18 | $ 5,610,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 17 | $ 2,495,000 |
| Amerifirst Financial Corporation 950 TRADE CENTRE WAY SUITE 400 KALAMAZOO, MI 49009 |
* | $ -1,000 | 17 | $ 2,635,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 14 | $ 890,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 80,522,766,000 | 13 | $ 2,705,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 13 | $ 2,545,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 16,855,693,000 | 12 | $ 2,490,000 |
| Msu Federal Credit Union 3777 WEST ROAD EAST LANSING, MI 48823 |
* | $ 3,846,080,000 | 11 | $ 1,955,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 10 | $ 1,160,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 9 | $ 1,465,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 9 | $ 1,125,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 9 | $ 1,685,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 456,025,829,000 | 9 | $ 1,715,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 8 | $ 1,110,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 121,995,997,000 | 8 | $ 2,510,000 |
| Pacific Union Financial, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ -1,000 | 8 | $ 1,230,000 |
| J.G. Wentworth Home Lending, LLC 3350 COMMISSION COURT WOODBRIDGE, VA 22192 |
* | $ -1,000 | 7 | $ 1,665,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ -1,000 | 7 | $ 1,085,000 |
| Wyndham Capital Mortgage, Inc. 6115 PARK SOUTH DRIVE, STE 200 RALEIGH, NC 28210 |
* | $ -1,000 | 7 | $ 1,535,000 |
| Dfcu Financial 400 TOWN CENTER DRIVE DEARBORN, MI 48121 |
* | $ 4,628,126,000 | 7 | $ 705,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 7 | $ 1,265,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 6 | $ 940,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ -1,000 | 6 | $ 740,000 |
| Hall Financial 888 W BIG BEAVER RD, SUITE 800 TROY, MI 48083 |
* | $ -1,000 | 6 | $ 1,000,000 |
| Dow Credit Union 600 E. LYON ROAD P.O. BOX 1649 MIDLAND, MI 48641 |
* | $ 1,638,115,000 | 6 | $ 1,660,000 |
| Independent Bank 4200 EAST BELTLINE GRAND RAPIDS, MI 49525 |
* | $ 2,780,041,000 | 6 | $ 1,310,000 |
| Old National Bank ONE MAIN STREET EVANSVILLE, IN 47708 |
* | $ 17,422,977,000 | 6 | $ 1,300,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 6 | $ 1,380,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 90,565,764,000 | 5 | $ 1,115,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 5 | $ 585,000 |
| Comerica Bank FARMINGTON HILLS, MI 48331 |
* | $ 71,609,090,000 | 5 | $ 1,675,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 5 | $ 715,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 98,729,134,000 | 5 | $ 215,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ -1,000 | 4 | $ 560,000 |
| Greenstone Farm Credit Services 3515 WEST RD EAST LANSING, MI 48823 |
* | $ -1,000 | 4 | $ 680,000 |
| Community Financial 500 S HARVEY ST PLYMOUTH, MI 48170 |
* | $ 856,824,000 | 4 | $ 590,000 |
| Michigan Mutual, Inc 911 MILITARY STREET PORT HURON, MI 48060 |
* | $ -1,000 | 4 | $ 720,000 |
| Michigan Schools and Governmen 40400 GARFIELD ROAD CLINTON TOWNSHIP, MI 48038 |
* | $ 1,853,578,000 | 4 | $ 320,000 |
| Mortgage300 Corporation 10 SE CENTRAL PARKWAY SUITE 325 STUART, FL 34994 |
* | $ -1,000 | 4 | $ 960,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 4 | $ 910,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ -1,000 | 3 | $ 165,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 3 | $ 145,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 3 | $ 545,000 |
| One Reverse Mortgage, LLC 4445 EASTGATE MALL, SUITE 320 SAN DIEGO, CA 92121 |
* | $ -1,000 | 3 | $ 355,000 |
| Securitynational Mortgage Company 5300 SOUTH 360 WEST SALT LAKE CITY, UT 84123 |
* | $ -1,000 | 3 | $ 455,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ -1,000 | 3 | $ 355,000 |
| Wildfire Credit Union 6640 BAY RD SAGINAW, MI 48605 |
* | $ 763,847,000 | 3 | $ 205,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 3 | $ 595,000 |
| Bridgeview Bank Group 7940 S HARLEM BRIDGEVIEW, IL 60455 |
* | $ 1,175,351,000 | 3 | $ 805,000 |
| Mortgage 1 Incorporated 43456 MOUND ROAD STERLING HEIGHTS, MI 48314 |
* | $ -1,000 | 3 | $ 365,000 |
| NBKC Bank 8320 WARD PARKWAY KANSAS CITY, MO 64114 |
* | $ 631,522,000 | 3 | $ 1,095,000 |
| Gold Star Mortgage Financial Group, Corporation 2350 GREEN ROAD SUITE 100B ANN ARBOR, MI 48105 |
* | $ -1,000 | 3 | $ 395,000 |
| Magnolia Bank PO BOX 188 HODGENVILLE, KY 42748 |
* | $ 240,467,000 | 3 | $ 925,000 |
| Mercantile Bank 310 LEONARD STREET NORTH WEST GRAND RAPIDS, MI 49504 |
* | $ 3,266,805,000 | 3 | $ 1,215,000 |
| Morgan Stanley Private Bank NA 2000 WESTCHESTER AVE PURCHASE, NY 10577 |
* | $ 65,127,000,000 | 3 | $ 1,615,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 3 | $ 465,000 |
| Luxury Mortgage Corp. FOUR LANDMARK SQUARE SUITE 300 STAMFORD, CT 06901 |
* | $ -1,000 | 3 | $ 1,235,000 |
| Reverse Mortgage Funding LLC 1455 BROAD ST., 2ND FL BLOOMFIELD, NJ 07003 |
* | $ -1,000 | 3 | $ 505,000 |
| Member First Mortgage, LLC 616 44TH STREET SE GRAND RAPIDS, MI 49548 |
* | $ -1,000 | 3 | $ 425,000 |
| Jolt Credit Union 6180 STATE STREET SAGINAW, MI 48603 |
* | $ 347,150,000 | 2 | $ 160,000 |
| First Merchants Bank 200 E. JACKSON ST. MUNCIE, IN 47305 |
* | $ 9,352,196,000 | 2 | $ 410,000 |
| Vibe 44575 W 12 MILE NOVI, MI 48377 |
* | $ 528,947,000 | 2 | $ 110,000 |
| First National Bank of America 241 EAST SAGINAW EAST LANSING, MI 48823 |
* | $ 1,364,710,000 | 2 | $ 300,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ -1,000 | 2 | $ 750,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 3,947,088,000 | 2 | $ 80,000 |
| Summit Home Mortgage, LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 2 | $ 230,000 |
| Oxford Bank & Trust 1111 W. 22ND STREET #800 OAK BROOK, IL 60523 |
* | $ 516,405,000 | 2 | $ 70,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 2 | $ 350,000 |
| Mortgage Center Lc 26555 EVERGREEN RD SUITE 900 SOUTHFIELD, MI 48076 |
* | $ -1,000 | 2 | $ 180,000 |
| American Financial Network, Inc. 10 POINTE DRIVE, SUITE 330 BREA, CA 92821 |
* | $ -1,000 | 2 | $ 200,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 2 | $ 700,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ -1,000 | 2 | $ 80,000 |
| Level One Bank 32991 HAMILTON COURT FARMINGTON HILLS, MI 48334 |
* | $ 1,299,901,000 | 2 | $ 370,000 |
| Dupaco Community Credit Union PO BOX 179 DUBUQUE, IA 52004 |
* | $ 1,609,368,000 | 2 | $ 620,000 |
| Stifel Bank & Trust 501 NORTH BROADWAY ST. LOUIS, MO 63102 |
* | $ 15,286,549,000 | 2 | $ 230,000 |
| American Internet Mortgage, Inc. 4121 CAMINO DEL RIO SOUTH SAN DIEGO, CA 92108 |
* | $ -1,000 | 2 | $ 360,000 |
| Land Home Financial Services, 1355 WILLOW WAY, SUITE 250 CONCORD, CA 94520 |
* | $ -1,000 | 2 | $ 280,000 |
| Provident Funding Associates 1235 NORTH DUTTON AVE STE E SANTA ROSA, CA 95401 |
* | $ -1,000 | 2 | $ 300,000 |
| Roundpoint Mortgage Servicing LLC 446 WRENPLACE ROAD FORT MILL, SC 29715 |
* | $ -1,000 | 2 | $ 250,000 |
| 1st Source Bank P O BOX 1602 SUITE 400 SOUTH BEND, IN 46601 |
* | $ 5,886,559,000 | 2 | $ 5,010,000 |
| Dart Bank 368 S. PARK ST. MASON, MI 48854 |
* | $ 397,925,000 | 2 | $ 370,000 |
| Ruoff Mortgage Company 1700 MAGNAVOX WAY SUITE 220 FORT WAYNE, IN 46804 |
* | $ -1,000 | 2 | $ 650,000 |
| Chou Team Realty, LLC 25391 COMMERCENTRE DRIVE LAKE FOREST, CA 92630 |
* | $ -1,000 | 2 | $ 460,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 2,002,887,000 | 2 | $ 300,000 |
| Towne Mortgage Company 888 WEST BIG BEAVER ROAD SUITE 310 TROY, MI 48084 |
* | $ -1,000 | 1 | $ 175,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 22,858,876,000 | 1 | $ 125,000 |
| The State Bank 175 N LEROY ST FENTON, MI 48430 |
* | $ 781,268,000 | 1 | $ 255,000 |
| Members First Credit Union PO BOX 2165 MIDLAND, MI 48640 |
* | $ 475,693,000 | 1 | $ 375,000 |
| Union Savings Bank 8534 E KEMPER RD CINCINNATI, OH 45249 |
* | $ 2,746,734,000 | 1 | $ 185,000 |
| Sunflower Bank, N.A. 3025 CORTLAND CIRCLE - PO BOX 800 DALLAS, TX 75225 |
* | $ 3,678,712,000 | 1 | $ 145,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ -1,000 | 1 | $ 55,000 |
| Envoy Mortgage, Ltd 10496 KATY FWY STE 250 HOUSTON, TX 77024 |
* | $ -1,000 | 1 | $ 455,000 |
| Platinum Home Mortgage Corporation 2200 HICKS RD, STE 101 SPRINGFIELD, IL 60008 |
* | $ -1,000 | 1 | $ 215,000 |
| Arc Home LLC MOORESTOWN, NJ 08057 |
* | $ -1,000 | 1 | $ 255,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 14,726,156,000 | 1 | $ 75,000 |
| Mms Mortgage Services, Ltd. 38275 TWELVE MILE RD., SUITE 100 FARMINGTON HILLS, MI 48331 |
* | $ -1,000 | 1 | $ 215,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,384,707,000,000 | 1 | $ 1,445,000 |
| Main Street Bank 31780 TELEGRAPH ROAD, SUITE 100 BINGHAM FARMS, MI 48025 |
* | $ 227,688,000 | 1 | $ 315,000 |
| Genisys Credit Union 2100 EXECUTIVE HILLS BLVD AUBURN HILLS, MI 48326 |
* | $ 2,349,213,000 | 1 | $ 145,000 |
| Florida Capital Bank, N.A 10151 DEERWOOD PARK BLVD. BLDG. 100 #200 JACKSONVILLE, FL 32256 |
* | $ 417,436,000 | 1 | $ 245,000 |
| Lenderlive Network, LLC 710 S ASH GLENDALE, CO 80246 |
* | $ -1,000 | 1 | $ 115,000 |
| Signature Mortgage Corporation 4790 DOUGLAS CIRCLE NW CANTON, OH 44718 |
* | $ -1,000 | 1 | $ 235,000 |
| Longbridge Financial, LLC 1 INTERNATIONAL BOULEVARD, SUITE 900 MAHWAH, NJ 07495 |
* | $ -1,000 | 1 | $ 65,000 |
| Union Home Mortgage Corp. 8241 DOW CIRCLE STRONGSVILLE, OH 44136 |
* | $ -1,000 | 1 | $ 145,000 |
| Kellogg Community Credit Union 41 SECOND ST BATTLE CREEK, MI 49014 |
* | $ 508,238,000 | 1 | $ 605,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 34,298,273,000 | 1 | $ 505,000 |
| Home Savings Bank 275 W FEDERAL ST YOUNGSTOWN, OH 44503 |
* | $ 2,641,355,000 | 1 | $ 55,000 |
| Accelerate Mortgage, LLC 750 PRIDES CROSSING #303 NEWARK, DE 19713 |
* | $ -1,000 | 1 | $ 155,000 |
| Mbank 130 S CEDAR ST MANISTIQUE, MI 49854 |
* | $ 983,761,000 | 1 | $ 85,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ -1,000 | 1 | $ 115,000 |
| Axos Bank 4350 LA JOLLA VILLAGE DR SUITE 140 SAN DIEGO, CA 92122 |
* | $ 8,908,994,000 | 1 | $ 395,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ 4,724,296,000 | 1 | $ 185,000 |
| North American Savings Bank 12498 S 71 HIGHWAY GRANDVIEW, MO 64030 |
* | $ 1,995,487,000 | 1 | $ 175,000 |
| Incrediblebank 327 N 17TH AVE WAUSAU, WI 54401 |
* | $ 1,256,847,000 | 1 | $ 135,000 |
| Hantz Bank 26200 AMERICAN DRIVE, 2ND FLOOR SOUTHFIELD, MI 48034 |
* | $ 222,868,000 | 1 | $ 305,000 |
| Fay Servicing LLC TAMPA, FL 33609 |
* | $ -1,000 | 1 | $ 135,000 |
| University of Michigan Credit Union 340 E. HURON ANN ARBOR, MI 48104 |
* | $ 793,669,000 | 1 | $ 165,000 |
| Consumers Credit Union PO BOX 525 KALAMAZOO, MI 49009 |
* | $ 934,275,000 | 1 | $ 235,000 |
| Arvest Bank TULSA, OK 74103 |
* | $ 16,758,528,000 | 1 | $ 135,000 |
| Credit Union One 400 E NINE MILE RD FERNDALE, MI 48220 |
* | $ 1,144,824,000 | 1 | $ 15,000 |
| Tcf National Bank 2508 LOUISE AVE S (PCC-2E-L) SIOUX FALLS, SD 57106 |
* | $ 23,020,511,000 | 1 | $ 45,000 |
| Keybank National Association 127 PUBLIC SQUARE CLEVELAND, OH 44114 |
* | $ 135,758,439,000 | 1 | $ 205,000 |
| Impac Mortgage Corp. 19500 JAMBOREE RD GLENDALE, CA 92612 |
* | $ -1,000 | 1 | $ 205,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ -1,000 | 1 | $ 85,000 |
| Emm Loans LLC 3 EXECUTIVE CAMPUS, SUITE 520 CHERRY HILL, NJ 08003 |
* | $ -1,000 | 1 | $ 135,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 1 | $ 435,000 |
| Isabella Bank 139 E. BROADWAY MT PLEASANT, MI 48858 |
* | $ 1,761,016,000 | 1 | $ 165,000 |
| Amwest Funding Corp 6 POINTE DRIVE, SUITE 300 BREA, CA 92821 |
* | $ -1,000 | 1 | $ 205,000 |
| Homestead Savings Bank 415 S SUPERIOR ST ALBION, MI 49224 |
* | $ 65,406,000 | 1 | $ 75,000 |
| Sovita Credit Union 4411 CALKINS RD FLINT, MI 48532 |
* | $ 404,386,000 | 1 | $ 125,000 |
| Huron Valley Financial, Inc. 2395 OAK VALLEY DRIVE, SUITE 200 ANN ARBOR, MI 48103 |
* | $ -1,000 | 1 | $ 65,000 |
| Team One Credit Union 520 HAYDEN SAGINAW, MI 48607 |
* | $ 500,815,000 | 1 | $ 205,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 16,696,742,000 | 1 | $ 305,000 |
| Inwood National Bank 7621 INWOOD RD DALLAS, TX 75209 |
* | $ 2,606,689,000 | 1 | $ 205,000 |
| Nations Direct Mortgage, LLC 2475 VILLAGE VIEW DRIVE SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 1 | $ 275,000 |
| Mutualbank 110 E CHARLES ST MUNCIE, IN 47305 |
* | $ 1,585,733,000 | 1 | $ 35,000 |
| Ignite Credit Union 115 RIVERSIDE DR BATTLE CREEK, MI 49015 |
* | $ 141,418,000 | 1 | $ 175,000 |
| Bank of Ann Arbor 1333 W ANN ARBOR ROAD ANN ARBOR, MI 48104 |
* | $ 1,537,200,000 | 1 | $ 95,000 |
| BMO Harris Bank NA 111 W. MONROE CHICAGO, IL 60606 |
* | $ 109,372,608,000 | 1 | $ 885,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ -1,000 | 1 | $ 135,000 |
| Synovus Bank PO BOX 120 COLUMBUS, GA 31902 |
* | $ 31,106,198,000 | 1 | $ 375,000 |
| Diamond Residential Mtg Corp 582 OAKWOOD AVE LAKE FOREST, IL 60045 |
* | $ -1,000 | 1 | $ 185,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 1 | $ 95,000 |
| Success Mortgage Partners, Inc 1200 S. SHELDON RD. PLYMOUTH, MI 48170 |
* | $ -1,000 | 1 | $ 425,000 |
| Finance of America Mortgage LLC 300 WELSH ROAD BUILDING 5 WILMINGTON, DE 19044 |
* | $ -1,000 | 1 | $ 185,000 |
| Raymond James Bank 710 CARILLON PARKWAY SAINT PETERSBURG, FL 33716 |
* | $ 21,866,592,000 | 1 | $ 425,000 |
| Congressional Federal Credit Union 10461 WHITE GRANITE DRIVE OAKTON, VA 22124 |
* | $ 932,144,000 | 1 | $ 205,000 |
| Marquette Bank 6316 S WESTERN AVE CHICAGO, IL 60636 |
* | $ 1,548,887,000 | 1 | $ 555,000 |
| The State Bank & Trust Company 401 CLINTON STREET DEFIANCE, OH 43512 |
* | $ 875,900,000 | 1 | $ 455,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ -1,000 | 1 | $ 175,000 |
| Waterstone Mortgage Corporation 17950 W CORPORATE DR STE 100 BROOKFIELD, WI 53045 |
* | $ -1,000 | 1 | $ 165,000 |
| University Lending Group, LLC 42452 HAYES, STE I CLLINTON TOWNSHIP, MI 48038 |
* | $ -1,000 | 1 | $ 235,000 |
The tables below break down 2018 mortgage applications in Emmet 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 Emmet County, MI in 2018
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 | 681 | $141,385,000 | $207,000 | $1,455,000 | $139,000 | $2,233,000 |
| Cash-out Refinancing | 321 | $63,615,000 | $198,000 | $3,005,000 | $113,000 | $2,588,000 |
| Refinancing | 228 | $47,970,000 | $210,000 | $3,505,000 | $157,000 | $4,147,000 |
| Home Improvement | 142 | $14,480,000 | $101,000 | $805,000 | $126,000 | $669,000 |
| Other Purpose | 136 | $20,750,000 | $152,000 | $2,645,000 | $157,000 | $4,159,000 |
| Not Applicable | 9 | $815,000 | $90,000 | $195,000 | $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 | 1,232 | $236,590,000 | $192,000 | $3,005,000 | $138,000 | $4,159,000 |
| Not Provided | 176 | $31,010,000 | $176,000 | $1,045,000 | $141,000 | $1,129,000 |
| Not applicable | 68 | $15,410,000 | $226,000 | $3,505,000 | $0 | $0 |
| American Indian or Alaskan Native | 19 | $2,615,000 | $137,000 | $265,000 | $70,000 | $180,000 |
| Hispanic | 15 | $2,335,000 | $155,000 | $325,000 | $106,000 | $800,000 |
| Asian | 4 | $520,000 | $130,000 | $205,000 | $61,000 | $96,000 |
| 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) | 1,235 | $243,905,000 | $197,000 | $3,505,000 | $153,000 | $4,159,000 |
| FHA-insured (Federal Housing Administration) | 168 | $24,300,000 | $144,000 | $715,000 | $58,000 | $828,000 |
| VA-guaranteed (Veterans Administration) | 84 | $16,130,000 | $192,000 | $515,000 | $69,000 | $165,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 30 | $4,680,000 | $156,000 | $325,000 | $46,000 | $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 | 914 | $191,650,000 | $209,000 | $3,505,000 | $157,000 | $4,159,000 |
| Application Denied By Financial Institution | 250 | $34,210,000 | $136,000 | $865,000 | $84,000 | $828,000 |
| Application Withdrawn By Applicant | 186 | $32,710,000 | $175,000 | $785,000 | $123,000 | $1,751,000 |
| Loan Purchased By The Institution | 71 | $13,635,000 | $192,000 | $855,000 | $141,000 | $553,000 |
| Application Approved But Not Accepted | 52 | $8,900,000 | $171,000 | $455,000 | $116,000 | $800,000 |
| File Closed For Incompleteness | 42 | $7,430,000 | $176,000 | $685,000 | $94,000 | $465,000 |
| Preapproval Approved but not Accepted | 2 | $480,000 | $240,000 | $395,000 | $173,000 | $320,000 |
| 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 | 1,242 | $249,120,000 | $200,000 | $3,005,000 | $148,000 | $4,159,000 |
| Debt-To-Income Ratio | 99 | $16,925,000 | $170,000 | $3,505,000 | $65,000 | $404,000 |
| Credit History | 73 | $8,105,000 | $111,000 | $515,000 | $86,000 | $828,000 |
| Collateral | 62 | $8,500,000 | $137,000 | $865,000 | $119,000 | $640,000 |
| Other | 18 | $2,820,000 | $156,000 | $405,000 | $105,000 | $400,000 |
| Credit Application Incomplete | 13 | $1,995,000 | $153,000 | $425,000 | $73,000 | $169,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $600,000 | $150,000 | $235,000 | $40,000 | $57,000 |
| Unverifiable Information | 3 | $575,000 | $191,000 | $425,000 | $135,000 | $270,000 |
| Employment History | 3 | $375,000 | $125,000 | $195,000 | $100,000 | $181,000 |
| 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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