Emmet County, MI Mortgage Lenders & HMDA Data, 2021
In 2021, lenders reported 2,406 mortgage applications in Emmet County, MI totaling $703.3 million, about the same as 2020. The average application was for $292,000, and applicants reported an average income of $175,000. 63% of applications resulted in an originated loan and 12% were denied. The most active lender was Huntington National Bank, with 226 applications, followed by Mercantile Bank and Tcf National Bank.
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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 | 2,406 |
| Total Mortgage Loan Application Amount | $703,300,000 |
| Average Mortgage Loan Application Amount | $292,000 |
| Highest Mortgage Loan Application Amount | $8,965,000 |
| Average Applicant Income | $175,000 |
| Highest Applicant Income | $5,371,000 |
* 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 |
|---|---|---|---|---|
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 104,052,030,000 | 226 | $ 73,280,000 |
| Mercantile Bank 310 LEONARD STREET NORTH WEST GRAND RAPIDS, MI 49504 |
* | $ 3,614,957,000 | 189 | $ 61,745,000 |
| Tcf National Bank 2508 LOUISE AVE S (PCC-2E-L) SIOUX FALLS, SD 57106 |
* | $ 46,627,366,000 | 162 | $ 48,400,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 132 | $ 38,530,000 |
| Fifth Third Bank, National Association 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 140,077,697,000 | 113 | $ 19,665,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,140,778,000,000 | 90 | $ 41,520,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 88 | $ 22,090,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 58 | $ 13,410,000 |
| Lake Michigan Credit Union PO BOX 2848 GRAND RAPIDS, MI 49501 |
* | $ 6,863,398,000 | 50 | $ 15,550,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,747,398,000,000 | 42 | $ 12,880,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 40 | $ 7,120,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 370,002,264,000 | 37 | $ 11,075,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 31 | $ 6,645,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 30 | $ 7,460,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,751,524,000,000 | 27 | $ 11,915,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 26 | $ 6,240,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 26 | $ 5,060,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 23 | $ 4,045,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ -1,000 | 21 | $ 5,975,000 |
| Union Home Mortgage Corp. 8241 DOW CIRCLE STRONGSVILLE, OH 44136 |
* | $ -1,000 | 18 | $ 3,690,000 |
| Independent Bank 4200 EAST BELTLINE GRAND RAPIDS, MI 49525 |
* | $ 3,563,694,000 | 17 | $ 6,515,000 |
| Mbank 130 S CEDAR ST MANISTIQUE, MI 49854 |
* | $ 1,316,588,000 | 16 | $ 2,690,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 15 | $ 4,975,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 15 | $ 3,415,000 |
| Amerifirst Financial Corporation 950 TRADE CENTRE WAY SUITE 400 KALAMAZOO, MI 49009 |
* | $ -1,000 | 15 | $ 2,655,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 16,855,693,000 | 14 | $ 3,610,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 13 | $ 2,005,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 13 | $ 3,285,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 98,729,134,000 | 13 | $ 1,305,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 121,995,997,000 | 13 | $ 3,445,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 456,025,829,000 | 13 | $ 4,025,000 |
| Mortgage Center Lc 26555 EVERGREEN RD SUITE 900 SOUTHFIELD, MI 48076 |
* | $ -1,000 | 12 | $ 2,620,000 |
| Dart Bank 368 S. PARK ST. MASON, MI 48854 |
* | $ 460,693,000 | 12 | $ 3,930,000 |
| Mortgage300 Corporation 10 SE CENTRAL PARKWAY SUITE 325 STUART, FL 34994 |
* | $ -1,000 | 12 | $ 2,590,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 11 | $ 2,245,000 |
| Msu Federal Credit Union 3777 WEST ROAD EAST LANSING, MI 48823 |
* | $ 4,730,630,000 | 11 | $ 2,105,000 |
| Bank of Ann Arbor 1333 W ANN ARBOR ROAD ANN ARBOR, MI 48104 |
* | $ 1,756,512,000 | 10 | $ 890,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 10 | $ 2,180,000 |
| Member First Mortgage, LLC 616 44TH STREET SE GRAND RAPIDS, MI 49548 |
* | $ -1,000 | 10 | $ 1,230,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 10 | $ 1,400,000 |
| Mortgage 1 Incorporated 43456 MOUND ROAD STERLING HEIGHTS, MI 48314 |
* | $ -1,000 | 9 | $ 2,285,000 |
| Ross Mortgage Corporation 2075 W. BIG BEAVER, SUITE 700 TROY, MI 48084 |
* | $ -1,000 | 9 | $ 1,925,000 |
| Comerica Bank FARMINGTON HILLS, MI 48331 |
* | $ 73,336,000,000 | 8 | $ 6,080,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 8 | $ 2,640,000 |
| Old National Bank ONE MAIN STREET EVANSVILLE, IN 47708 |
* | $ 20,311,535,000 | 7 | $ 3,615,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 7 | $ 735,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ -1,000 | 7 | $ 1,775,000 |
| Dow Credit Union 600 E. LYON ROAD P.O. BOX 1649 MIDLAND, MI 48641 |
* | $ 1,766,990,000 | 7 | $ 1,695,000 |
| Greenstone Farm Credit Services 3515 WEST RD EAST LANSING, MI 48823 |
* | $ -1,000 | 7 | $ 1,285,000 |
| Lower, LLC 5950 SYMPHONY WOODS DRIVE COLUMBIA, MD 21044 |
* | $ -1,000 | 7 | $ 1,285,000 |
| Staunton Financial Inc 25800 NORTHWESTERN HIGHWAY SUITE 110 SOUTHFIELD, MI 48076 |
* | $ -1,000 | 7 | $ 2,045,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 7 | $ 1,805,000 |
| Ally Bank CHARLOTTE, NC 28202 |
* | $ 167,492,000,000 | 6 | $ 2,570,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 6 | $ 970,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 6 | $ 3,100,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 6 | $ 820,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 90,565,764,000 | 6 | $ 1,490,000 |
| Michigan Mutual, Inc 911 MILITARY STREET PORT HURON, MI 48060 |
* | $ -1,000 | 6 | $ 1,440,000 |
| Genisys Credit Union 2100 EXECUTIVE HILLS BLVD AUBURN HILLS, MI 48326 |
* | $ 2,847,190,000 | 6 | $ 1,150,000 |
| UBS Bank USA 299 S. MAIN ST SALT LAKE CITY, UT 84111 |
* | $ 63,780,722,000 | 6 | $ 5,760,000 |
| Morgan Stanley Private Bank NA 2000 WESTCHESTER AVE PURCHASE, NY 10577 |
* | $ 83,036,000,000 | 6 | $ 10,800,000 |
| Finance of America Mortgage LLC 300 WELSH ROAD BUILDING 5 WILMINGTON, DE 19044 |
* | $ -1,000 | 5 | $ 1,195,000 |
| Intercontinental Capital Group, Inc 50 JERICHO QUADRANGLE, SUITE 210 JERICHO, NY 11753 |
* | $ -1,000 | 5 | $ 1,355,000 |
| Michigan First Credit Union 27000 EVERGREEN LATHRUP VILLAGE, MI 48076 |
* | $ 980,071,000 | 5 | $ 1,225,000 |
| Keybank National Association 127 PUBLIC SQUARE CLEVELAND, OH 44114 |
* | $ 135,758,439,000 | 5 | $ 1,615,000 |
| Hall Financial 888 W BIG BEAVER RD, SUITE 800 TROY, MI 48083 |
* | $ -1,000 | 5 | $ 1,015,000 |
| Northpointe Bank 3333 DEPOSIT DRIVE NE GRAND RAPIDS, MI 49546 |
* | $ 2,186,056,000 | 5 | $ 1,555,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 5 | $ 805,000 |
| The State Bank 175 N LEROY ST FENTON, MI 48430 |
* | $ 1,033,895,000 | 5 | $ 2,165,000 |
| Wildfire Credit Union 6640 BAY RD SAGINAW, MI 48605 |
* | $ 844,894,000 | 5 | $ 665,000 |
| Charles Schwab Bank, SSB LONE TREE, CO 80124 |
* | $ 216,654,000,000 | 5 | $ 4,265,000 |
| Stifel Bank & Trust 501 NORTH BROADWAY ST. LOUIS, MO 63102 |
* | $ 14,144,676,000 | 4 | $ 2,060,000 |
| Level One Bank 32991 HAMILTON COURT FARMINGTON HILLS, MI 48334 |
* | $ 1,582,399,000 | 4 | $ 2,830,000 |
| Gold Star Mortgage Financial Group, Corporation 2350 GREEN ROAD SUITE 100B ANN ARBOR, MI 48105 |
* | $ -1,000 | 4 | $ 1,210,000 |
| Associated Bank NA 200 NORTH ADAMS STREET GREEN BAY, WI 54301 |
* | $ 32,343,129,000 | 4 | $ 1,670,000 |
| University of Michigan Credit Union 340 E. HURON ANN ARBOR, MI 48104 |
* | $ 953,301,000 | 4 | $ 650,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,384,707,000,000 | 4 | $ 6,780,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 4 | $ 730,000 |
| Credit Union One 400 E NINE MILE RD FERNDALE, MI 48220 |
* | $ 1,487,658,000 | 4 | $ 260,000 |
| American Financial Network, Inc. 10 POINTE DRIVE, SUITE 330 BREA, CA 92821 |
* | $ -1,000 | 4 | $ 680,000 |
| Community Financial 500 S HARVEY ST PLYMOUTH, MI 48170 |
* | $ 1,013,236,000 | 4 | $ 1,150,000 |
| Chicago Mortgage Solutions LLC 9525 W BRYN MAWR AVE ROSEMONT, IL 60018 |
* | $ -1,000 | 4 | $ 820,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ -1,000 | 4 | $ 420,000 |
| Cherry Creek Mortgage, LLC 7600 E ORCHARD ROAD, SUITE 250 -N WILMINGTON, DE 80111 |
* | $ -1,000 | 4 | $ 1,240,000 |
| Isabella Bank 139 E. BROADWAY MT PLEASANT, MI 48858 |
* | $ 1,763,432,000 | 3 | $ 1,005,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ -1,000 | 3 | $ 1,075,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ -1,000 | 3 | $ 1,295,000 |
| Success Mortgage Partners, Inc 1200 S. SHELDON RD. PLYMOUTH, MI 48170 |
* | $ -1,000 | 3 | $ 375,000 |
| Mms Mortgage Services, Ltd. 38275 TWELVE MILE RD., SUITE 100 FARMINGTON HILLS, MI 48331 |
* | $ -1,000 | 3 | $ 575,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ 604,528,000 | 3 | $ 775,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 24,774,361,000 | 3 | $ 535,000 |
| Clearpath Lending 15615 ALTON PARKWAY SUITE 300 IRVINE, CA 92618 |
* | $ -1,000 | 3 | $ 815,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 80,522,766,000 | 3 | $ 785,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ -1,000 | 3 | $ 575,000 |
| NBKC Bank 8320 WARD PARKWAY KANSAS CITY, MO 64114 |
* | $ 833,228,000 | 3 | $ 765,000 |
| Platinum Home Mortgage Corporation 2200 HICKS RD, STE 101 SPRINGFIELD, IL 60008 |
* | $ -1,000 | 3 | $ 875,000 |
| Sofi Lending Corp. 375 HEALDSBURG AVENUE, SUITE 280 SACRAMENTO, CA 95448 |
* | $ -1,000 | 3 | $ 605,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ -1,000 | 3 | $ 555,000 |
| The Anderson Financial Group, Inc. 2421 NORTH ASHLAND AVENUE CHICAGO, IL 60614 |
* | $ -1,000 | 3 | $ 1,155,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ -1,000 | 3 | $ 205,000 |
| Michigan Schools and Governmen 40400 GARFIELD ROAD CLINTON TOWNSHIP, MI 48038 |
* | $ 2,370,725,000 | 3 | $ 495,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 4,694,690,000 | 3 | $ 185,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ -1,000 | 3 | $ 915,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ -1,000 | 3 | $ 455,000 |
| Horizon Bank 515 FRANKLIN ST MICHIGAN CITY, IN 46360 |
* | $ 5,236,417,000 | 3 | $ 815,000 |
| Dfcu Financial 400 TOWN CENTER DRIVE DEARBORN, MI 48121 |
* | $ 4,903,176,000 | 3 | $ 625,000 |
| Draper and Kramer Mortgage Corp. 1431 OPUS PLACE SUITE 200 WILMINGTON, DE 60515 |
* | $ -1,000 | 3 | $ 905,000 |
| CIBC Bank USA 120 SOUTH LASALLE CHICAGO, IL 60602 |
* | $ 33,588,619,000 | 3 | $ 2,235,000 |
| BNY Mellon, N.A. BOSTON, MA 02108 |
* | $ 29,303,000,000 | 3 | $ 4,105,000 |
| Consumers Credit Union PO BOX 525 KALAMAZOO, MI 49009 |
* | $ 1,242,456,000 | 3 | $ 595,000 |
| Network Capital Funding Corporation 7700 IRVINE CENTER DRIVE #300 IRVINE, CA 92618 |
* | $ -1,000 | 3 | $ 665,000 |
| Jolt Credit Union 6180 STATE STREET SAGINAW, MI 48603 |
* | $ 342,573,000 | 3 | $ 1,155,000 |
| Third Federal Savings and Loan 7007 BROADWAY AVENUE CLEVELAND, OH 44105 |
* | $ 14,789,845,000 | 3 | $ 315,000 |
| Raymond James Bank 710 CARILLON PARKWAY SAINT PETERSBURG, FL 33716 |
* | $ 26,468,603,000 | 2 | $ 5,130,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ -1,000 | 2 | $ 920,000 |
| Wings Financial Credit Union 14985 GLAZIER AVENUE APPLE VALLEY, MN 55124 |
* | $ 5,633,125,000 | 2 | $ 370,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ 707,275,000 | 2 | $ 460,000 |
| Paramount Bank 90 VILLAGE SQUARE SHOPPING CENTER HAZELWOOD, MO 63042 |
* | $ 104,250,000 | 2 | $ 510,000 |
| BNC National Bank BISMARCK, ND 58501 |
* | $ 965,305,000 | 2 | $ 530,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ -1,000 | 2 | $ 210,000 |
| Great Lakes Credit Union 2525 GREEN BAY BANNOCKBURN, IL 60015 |
* | $ 886,238,000 | 2 | $ 920,000 |
| Nations Direct Mortgage, LLC 2475 VILLAGE VIEW DRIVE SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 2 | $ 430,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ -1,000 | 2 | $ 550,000 |
| Accelerate Mortgage, LLC 750 PRIDES CROSSING #303 NEWARK, DE 19713 |
* | $ -1,000 | 2 | $ 300,000 |
| American Pacific Mortgage Corporation 3000 LAVA RIDGE COURT, SUITE 200 ROSEVILLE, CA 95661 |
* | $ -1,000 | 2 | $ 380,000 |
| Elements Financial Federal Cre 225 S EAST ST, SUITE 300 INDIANAPOLIS, IN 46202 |
* | $ 1,687,713,000 | 2 | $ 410,000 |
| First National Bank of America 241 EAST SAGINAW EAST LANSING, MI 48823 |
* | $ 2,488,033,000 | 2 | $ 470,000 |
| Peoples Bank 9204 COLUMBIA AVE. MUNSTER, IN 46321 |
* | $ 1,326,463,000 | 2 | $ 170,000 |
| Wyndham Capital Mortgage, Inc. 6115 PARK SOUTH DRIVE, STE 200 RALEIGH, NC 28210 |
* | $ -1,000 | 2 | $ 410,000 |
| Rbc Bank (Georgia), N.A. RALEIGH, NC 27607 |
* | $ 4,528,719,000 | 2 | $ 1,470,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ -1,000 | 2 | $ 80,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 2 | $ 190,000 |
| Sunflower Bank, N.A. 3025 CORTLAND CIRCLE - PO BOX 800 DALLAS, TX 75225 |
* | $ 4,172,729,000 | 2 | $ 500,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 2,445,435,000 | 2 | $ 410,000 |
| North American Savings Bank 12498 S 71 HIGHWAY GRANDVIEW, MO 64030 |
* | $ 2,503,779,000 | 2 | $ 410,000 |
| Financial Plus Credit Union G-3381 VAN SLYKE RD, P.O. BOX 7006 FLINT, MI 48507 |
* | $ 569,726,000 | 2 | $ 60,000 |
| Quorum Federal Credit Union 2500 WESTCHESTER AVENUE PURCHASE, NY 10577 |
* | $ 841,254,000 | 2 | $ 150,000 |
| County National Bank ONE SOUTH HOWELL ST HILLSDALE, MI 49242 |
* | $ 736,752,000 | 2 | $ 420,000 |
| Goldman Sachs Bank USA 200 WEST STREET NEW YORK, NY 10282 |
* | $ 228,836,000,000 | 2 | $ 1,750,000 |
| American Internet Mortgage, Inc. 4121 CAMINO DEL RIO SOUTH SAN DIEGO, CA 92108 |
* | $ -1,000 | 2 | $ 350,000 |
| Eastrise Federal Credit Union 141 HARVEST LANE WILLISTON, VT 05495 |
* | $ 1,415,180,000 | 2 | $ 1,010,000 |
| Frankenmuth Credit Union 580 N. MAIN ST., PO BOX 209 FRANKENMUTH, MI 48734 |
* | $ 740,859,000 | 2 | $ 570,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 22,986,309,000 | 2 | $ 2,660,000 |
| Ark-La-Tex Financial Services LLC 5160 TENNYSON PKWY STE 1000 PLANO, TX 75024 |
* | $ -1,000 | 2 | $ 750,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 2 | $ 410,000 |
| Wmcu 1319 FRONT AVE NW GRAND RAPIDS, MI 49504 |
* | $ 165,982,000 | 2 | $ 390,000 |
| Neighborhood Loans, Inc 1333 BUTTERFIELD RD SUITE 600 DOWNERS GROVE, IL 60515 |
* | $ -1,000 | 2 | $ 270,000 |
| Citizens Equity First Credit U 5401 W DIRKSEN PKWY PEORIA, IL 61607 |
* | $ 6,258,523,000 | 2 | $ 840,000 |
| Commerce Bank 922 WALNUT, TB 12-1 KANSAS CITY, MO 64106 |
* | $ 25,955,469,000 | 1 | $ 1,645,000 |
| Bayshore Mortgage Funding 1920 GREENSPRING DRIVE, SUITE 140 TIMONIUM, MD 21093 |
* | $ -1,000 | 1 | $ 335,000 |
| Advisors Mortgage Group, LLC 1411 HIGHWAY 35 OCEAN, NJ 07712 |
* | $ -1,000 | 1 | $ 175,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 119,432,105,000 | 1 | $ 105,000 |
| Meridian Bank 9 OLD LINCOLN HIGHWAY MALVERN, PA 19355 |
* | $ 1,149,979,000 | 1 | $ 455,000 |
| Lafcu 106 N MARKETPLACE BLVD LANSING, MI 48917 |
* | $ 746,967,000 | 1 | $ 185,000 |
| Longbridge Financial, LLC 1 INTERNATIONAL BOULEVARD, SUITE 900 MAHWAH, NJ 07495 |
* | $ -1,000 | 1 | $ 115,000 |
| Nicolet National Bank 111 N WASHINGTON ST GREEN BAY, WI 54301 |
* | $ 3,570,443,000 | 1 | $ 65,000 |
| Vibe Credit Union 1375 N OAKLAND BLVD NOVI, MI 48377 |
* | $ 913,849,000 | 1 | $ 335,000 |
| Guaranteed Rate Affinity, LLC 1800 WEST LARCHMONT AVE CHICAGO, IL 60613 |
* | $ -1,000 | 1 | $ 465,000 |
| First Heritage Financial LLC 2655 NESHAMINY INTERPLEX DR - STE 105 TREVOSE, PA 19053 |
* | $ -1,000 | 1 | $ 285,000 |
| Vandyk Mortgage Corporation 2449 CAMELOT CT SE GRAND RAPIDS, MI 49546 |
* | $ -1,000 | 1 | $ 75,000 |
| Nationwide Mortgage Bankers, Inc. MELVILLE, NY 11747 |
* | $ -1,000 | 1 | $ 175,000 |
| Guaranty Home Mortgage Corporation 316 ROBERT ROSE DRIVE NASHVILLE, TN 37129 |
* | $ -1,000 | 1 | $ 135,000 |
| First Internet Bank of Indiana 11201 USA PARKWAY FISHERS, IN 46038 |
* | $ 4,097,505,000 | 1 | $ 395,000 |
| Sovereign Lending Group Inc. NEWPORT BEACH, CA 92660 |
* | $ -1,000 | 1 | $ 255,000 |
| Northern Mortgage Services, LLC 3714 28TH ST SW GRANDVILLE, MI 49418 |
* | $ -1,000 | 1 | $ 215,000 |
| Petefish, Skiles, & Company Bank 102 W. BEARDSTOWN ST. VIRGINIA, IL 62691 |
* | $ 193,834,000 | 1 | $ 215,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 41,950,721,000 | 1 | $ 255,000 |
| First Federal Savings Bank 648 NORTH JEFFERSON STREET HUNTINGTON, IN 46750 |
* | $ 353,875,000 | 1 | $ 185,000 |
| Hometown Lenders, Inc. 310 THE BRIDGE STREET, 4TH FLOOR SUITE A HUNTSVILLE, AL 35806 |
* | $ -1,000 | 1 | $ 265,000 |
| Arbor Financial Credit Union 1551 SOUTH 9TH STREET KALAMAZOO, MI 49009 |
* | $ 655,512,000 | 1 | $ 455,000 |
| Premier Bank 601 CLINTON STREET YOUNGSTOWN, OH 44503 |
* | $ 3,439,822,000 | 1 | $ 235,000 |
| Towne Mortgage Company 888 WEST BIG BEAVER ROAD SUITE 310 TROY, MI 48084 |
* | $ -1,000 | 1 | $ 225,000 |
| St. James Mortgage Corporation 42676 WOODWARD AVE BLOOMFIELD HILLS, MI 48304 |
* | $ -1,000 | 1 | $ 145,000 |
| Great Southern Bank 218 S GLENSTONE AVE SPRINGFIELD, MO 65802 |
* | $ 5,014,991,000 | 1 | $ 625,000 |
| Tlc Community Credit Union 3030 S ADRIAN HWY ADRIAN, MI 49221 |
* | $ 525,007,000 | 1 | $ 125,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ -1,000 | 1 | $ 245,000 |
| Summit Home Mortgage, LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 1 | $ 285,000 |
| Newrez Ventures LLC 4000 W. BROWN DEER ROAD SPRINGFIELD, IL 53209 |
* | $ -1,000 | 1 | $ 285,000 |
| First Federal Bank 4705 US HWY 90 W LAKE CITY, FL 32055 |
* | $ 2,177,570,000 | 1 | $ 255,000 |
| Pulte Mortgage LLC DENVER, CO 80237 |
* | $ -1,000 | 1 | $ 145,000 |
| Pfcu 9077 CHARLOTTE HWY PORTLAND, MI 48875 |
* | $ 577,218,000 | 1 | $ 165,000 |
| Members First Credit Union PO BOX 2165 MIDLAND, MI 48640 |
* | $ 535,641,000 | 1 | $ 95,000 |
| Circle Federal Credit Union 507 E MAIN ST NILES, MI 49120 |
* | $ 71,747,000 | 1 | $ 105,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 464,504,000 | 1 | $ 125,000 |
| Lendsure Mortgage Corp. 16959 BERNARDO CENTER DR, #102 SAN DIEGO, CA 92128 |
* | $ -1,000 | 1 | $ 605,000 |
| University Lending Group, LLC 42452 HAYES, STE I CLLINTON TOWNSHIP, MI 48038 |
* | $ -1,000 | 1 | $ 495,000 |
| Redwood Residential Acquisition Corporation 1 BELVEDERE PLACE MILL VALLEY, CA 94951 |
* | $ -1,000 | 1 | $ 675,000 |
| First Horizon Bank 165 MADISON AVE 5TH FLOOR MEMPHIS, TN 38103 |
* | $ 43,126,164,000 | 1 | $ 1,105,000 |
| First Centennial Mortgage Corporation 2471 W SULLIVAN ROAD CHICAGO, IL 60506 |
* | $ -1,000 | 1 | $ 495,000 |
| Stearns Lending, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ -1,000 | 1 | $ 265,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 216,077,000,000 | 1 | $ 325,000 |
| First Merchants Bank 200 E. JACKSON ST. MUNCIE, IN 47305 |
* | $ 12,430,349,000 | 1 | $ 585,000 |
| Academy Mortgage Corporation 339 WEST 13490 SOUTH SALT LAKE CITY, UT 84020 |
* | $ -1,000 | 1 | $ 95,000 |
| Sirva Mortgage, Inc. 6200 OAK TREE BLVD STE 300 SEVEN HILLS, OH 44131 |
* | $ -1,000 | 1 | $ 445,000 |
| United Bank of Michigan 900 EAST PARIS AVE SE GRAND RAPIDS, MI 49546 |
* | $ 695,189,000 | 1 | $ 235,000 |
| United Federal Credit Union 2807 SOUTH STATE ST ST. JOSEPH, MI 49085 |
* | $ 2,877,075,000 | 1 | $ 275,000 |
| Community Choice Credit Union 31155 NORTHWESTERN HWY FARMINGTON HILLS, MI 48334 |
* | $ 1,163,544,000 | 1 | $ 95,000 |
| United Security Financial Corp 930 EAST 6600 SOUTH MURRAY, UT 84121 |
* | $ -1,000 | 1 | $ 315,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 1 | $ 165,000 |
| Cfbank NA 4960 E DUBLIN GRANVILLE RD SUITE 400 COLUMBUS, OH 43081 |
* | $ 879,238,000 | 1 | $ 275,000 |
| Oxford Bank & Trust 1111 W. 22ND STREET #800 OAK BROOK, IL 60523 |
* | $ 614,673,000 | 1 | $ 35,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ 6,120,102,000 | 1 | $ 415,000 |
| Midwest Loan Solutions, Inc. 29777 TELEGRAPH RD. SUITE 3580 SOUTHFIELD, MI 48034 |
* | $ -1,000 | 1 | $ 115,000 |
| Lake City Bank P.O. BOX 1387 WARSAW, IN 46581 |
* | $ 4,934,311,000 | 1 | $ 2,505,000 |
| Grand River Bank 4471 WILSON AVENUE SW GRANDVILLE, MI 49418 |
* | $ 321,158,000 | 1 | $ 345,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ -1,000 | 1 | $ 75,000 |
| Macatawa Bank, N.A. ROSEMONT, IL 60018 |
* | $ 2,068,014,000 | 1 | $ 215,000 |
| Top Flite Financial, Inc. 123 E GRAND RIVER AVE WILLIAMSTON, MI 48895 |
* | $ -1,000 | 1 | $ 75,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ -1,000 | 1 | $ 155,000 |
| Marquette Bank 6316 S WESTERN AVE CHICAGO, IL 60636 |
* | $ 1,619,703,000 | 1 | $ 535,000 |
| Liberty Home Mortgage Corp 4401 ROCKSIDE RD 310 INDEPENDENCE, OH 44131 |
* | $ -1,000 | 1 | $ 115,000 |
| Lake Trust Credit Union 4605 S OLD US HIGHWAY 23 BRIGHTON, MI 48114 |
* | $ 1,917,933,000 | 1 | $ 35,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ -1,000 | 1 | $ 285,000 |
| Southern Michigan Bank & Trust 51 WEST PEARL STREET COLDWATER, MI 49036 |
* | $ 806,619,000 | 1 | $ 545,000 |
| Diamond Residential Mtg Corp 582 OAKWOOD AVE LAKE FOREST, IL 60045 |
* | $ -1,000 | 1 | $ 235,000 |
| 1st State Bank PO BOX 1468 SAGINAW, MI 48605 |
* | $ 323,664,000 | 1 | $ 545,000 |
| Finance of America Commercial LLC 6230 FAIRVIEW ROAD, SUITE 300 CHARLOTTE, NC 28210 |
* | $ -1,000 | 1 | $ 215,000 |
| Honor Credit Union EDGEWOOD RD BERRIEN SPRINGS, MI 49103 |
* | $ 1,009,578,000 | 1 | $ 225,000 |
| Waterford Bank, N.A. 3900 N. MCCORD RD TOLEDO, OH 43617 |
* | $ 772,547,000 | 1 | $ 555,000 |
| The Northern Trust Co 50 S. LA SALLE CHICAGO, IL 60603 |
* | $ 135,885,433,000 | 1 | $ 2,505,000 |
| Envoy Mortgage, Ltd 10496 KATY FWY STE 250 HOUSTON, TX 77024 |
* | $ -1,000 | 1 | $ 485,000 |
| Atlanta Postal Credit Union 1605 BOGGS ROAD ATLANTA, GA 30354 |
* | $ 2,165,396,000 | 1 | $ 225,000 |
| Choiceone Bank 109 E. DIVISION ST. SPARTA, MI 49345 |
* | $ 673,946,000 | 1 | $ 545,000 |
| Specialized Loan Servicing LLC 6200 S QUEBEC ST WILMINGTON, DE 80111 |
* | $ -1,000 | 1 | $ 215,000 |
| Inlanta Mortgage, Inc. W239 N3490 PEWAUKEE ROAD, STE.200 PEWAUKEE, WI 53072 |
* | $ -1,000 | 1 | $ 205,000 |
| Waterstone Mortgage Corporation 17950 W CORPORATE DR STE 100 BROOKFIELD, WI 53045 |
* | $ -1,000 | 1 | $ 1,995,000 |
| T2 Financial LLC 480 OLDE WORTHINGTON RD SUITE 300 WESTERVILLE, OH 43082 |
* | $ -1,000 | 1 | $ 255,000 |
| Thumb Bank & Trust 7254 MICHIGAN AVE., P.O. BOX 560 PIGEON, MI 48755 |
* | $ 274,254,000 | 1 | $ 355,000 |
| Team One Credit Union 520 HAYDEN SAGINAW, MI 48607 |
* | $ 569,349,000 | 1 | $ 85,000 |
The tables below break down 2021 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 2021
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 | 916 | $238,760,000 | $260,000 | $8,965,000 | $159,000 | $3,860,000 |
| Home Purchase | 732 | $262,850,000 | $359,000 | $6,445,000 | $206,000 | $4,667,000 |
| Cash-out Refinancing | 532 | $132,950,000 | $249,000 | $4,005,000 | $144,000 | $5,371,000 |
| Other Purpose | 132 | $55,970,000 | $424,000 | $6,705,000 | $252,000 | $2,449,000 |
| Home Improvement | 93 | $12,655,000 | $136,000 | $1,305,000 | $152,000 | $1,260,000 |
| Not Applicable | 1 | $115,000 | $115,000 | $115,000 | $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 | 1,924 | $549,730,000 | $285,000 | $6,705,000 | $171,000 | $5,371,000 |
| Not Provided | 331 | $102,625,000 | $310,000 | $2,825,000 | $206,000 | $4,667,000 |
| Not applicable | 77 | $35,085,000 | $455,000 | $8,965,000 | $173,000 | $312,000 |
| American Indian or Alaskan Native | 33 | $5,385,000 | $163,000 | $465,000 | $73,000 | $240,000 |
| Hispanic | 25 | $6,295,000 | $251,000 | $725,000 | $165,000 | $907,000 |
| Asian | 6 | $1,850,000 | $308,000 | $855,000 | $156,000 | $280,000 |
| Black or African American | 5 | $1,355,000 | $271,000 | $545,000 | $131,000 | $353,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $225,000 | $225,000 | $225,000 | $34,000 | $34,000 |
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) | 2,130 | $645,970,000 | $303,000 | $8,965,000 | $184,000 | $5,371,000 |
| VA-guaranteed (Veterans Administration) | 131 | $32,775,000 | $250,000 | $855,000 | $71,000 | $318,000 |
| FHA-insured (Federal Housing Administration) | 125 | $21,315,000 | $170,000 | $345,000 | $57,000 | $166,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 20 | $3,240,000 | $162,000 | $225,000 | $49,000 | $74,000 |
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 | 1,513 | $475,035,000 | $313,000 | $8,965,000 | $196,000 | $5,371,000 |
| Application Withdrawn By Applicant | 321 | $88,125,000 | $274,000 | $1,995,000 | $158,000 | $1,789,000 |
| Application Denied By Financial Institution | 284 | $62,990,000 | $221,000 | $6,445,000 | $105,000 | $2,439,000 |
| File Closed For Incompleteness | 156 | $34,770,000 | $222,000 | $2,825,000 | $118,000 | $1,408,000 |
| Loan Purchased By The Institution | 81 | $21,125,000 | $260,000 | $795,000 | $214,000 | $923,000 |
| Application Approved But Not Accepted | 48 | $20,080,000 | $418,000 | $6,705,000 | $197,000 | $2,163,000 |
| Preapproval Approved but not Accepted | 2 | $310,000 | $155,000 | $185,000 | $107,000 | $170,000 |
| Preapproval Denied by Financial Institution | 1 | $865,000 | $865,000 | $865,000 | $541,000 | $541,000 |
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 | 2,115 | $638,425,000 | $301,000 | $8,965,000 | $185,000 | $5,371,000 |
| Debt-To-Income Ratio | 76 | $17,290,000 | $227,000 | $1,805,000 | $64,000 | $695,000 |
| Collateral | 68 | $11,880,000 | $174,000 | $895,000 | $135,000 | $1,461,000 |
| Credit Application Incomplete | 49 | $11,865,000 | $242,000 | $815,000 | $135,000 | $716,000 |
| Credit History | 46 | $6,060,000 | $131,000 | $605,000 | $69,000 | $220,000 |
| Other | 29 | $13,005,000 | $448,000 | $6,445,000 | $201,000 | $2,439,000 |
| Unverifiable Information | 16 | $3,610,000 | $225,000 | $755,000 | $67,000 | $191,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $720,000 | $180,000 | $195,000 | $56,000 | $94,000 |
| Employment History | 3 | $445,000 | $148,000 | $305,000 | $56,000 | $81,000 |
| 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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