Emmet County, MI Mortgage Lenders & HMDA Data, 2022
In 2022, lenders reported 1,434 mortgage applications in Emmet County, MI totaling $457.6 million, down 40% from 2021. The average application was for $319,000, and applicants reported an average income of $194,000. 57% of applications resulted in an originated loan and 15% were denied. The most active lender was Mercantile Bank, with 225 applications, followed by Huntington National Bank and Fifth Third Bank, National Association.
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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 | 1,434 |
| Total Mortgage Loan Application Amount | $457,610,000 |
| Average Mortgage Loan Application Amount | $319,000 |
| Highest Mortgage Loan Application Amount | $5,535,000 |
| Average Applicant Income | $194,000 |
| Highest Applicant Income | $7,607,000 |
* 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 |
|---|---|---|---|---|
| Mercantile Bank 310 LEONARD STREET NORTH WEST GRAND RAPIDS, MI 49504 |
* | $ 5,238,290,000 | 225 | $ 78,185,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 173,414,362,000 | 165 | $ 63,685,000 |
| Fifth Third Bank, National Association 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 209,696,785,000 | 97 | $ 14,985,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 48 | $ 12,620,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 3,306,982,000,000 | 43 | $ 30,775,000 |
| Lake Michigan Credit Union PO BOX 2848 GRAND RAPIDS, MI 49501 |
* | $ 11,672,497,000 | 41 | $ 14,865,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 551,902,526,000 | 32 | $ 10,530,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 30 | $ 7,460,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 25 | $ 6,885,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 23 | $ 4,455,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 2,519,525,000,000 | 19 | $ 8,425,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,779,504,000,000 | 17 | $ 7,485,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 188,069,637,000 | 16 | $ 6,440,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 16 | $ 3,190,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 16,855,693,000 | 15 | $ 2,385,000 |
| Msu Federal Credit Union 3777 WEST ROAD EAST LANSING, MI 48823 |
* | $ 6,719,007,000 | 13 | $ 2,935,000 |
| Union Home Mortgage Corp. 8241 DOW CIRCLE STRONGSVILLE, OH 44136 |
* | $ -1,000 | 13 | $ 3,685,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 12 | $ 2,340,000 |
| Nicolet National Bank 111 N WASHINGTON ST GREEN BAY, WI 54301 |
* | $ 7,686,307,000 | 11 | $ 1,385,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ -1,000 | 11 | $ 535,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 108,342,526,000 | 10 | $ 580,000 |
| Community Financial 500 S HARVEY ST PLYMOUTH, MI 48170 |
* | $ 1,253,139,000 | 10 | $ 1,510,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 10 | $ 1,840,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 10 | $ 1,880,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 10 | $ 1,750,000 |
| Network Capital Funding Corporation 7700 IRVINE CENTER DRIVE #300 IRVINE, CA 92618 |
* | $ -1,000 | 10 | $ 2,080,000 |
| Morgan Stanley Private Bank NA 2000 WESTCHESTER AVE PURCHASE, NY 10577 |
* | $ 154,830,000,000 | 8 | $ 10,670,000 |
| Independent Bank 4200 EAST BELTLINE GRAND RAPIDS, MI 49525 |
* | $ 4,702,462,000 | 8 | $ 4,740,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 8 | $ 1,690,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ -1,000 | 8 | $ 2,340,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 564,154,604,000 | 8 | $ 2,600,000 |
| First Merchants Bank 200 E. JACKSON ST. MUNCIE, IN 47305 |
* | $ 15,432,095,000 | 7 | $ 4,355,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 7 | $ 1,015,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 7 | $ 2,685,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 7 | $ 3,325,000 |
| Coast One Mortgage, LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 7 | $ 2,585,000 |
| Mortgage300 Corporation 10 SE CENTRAL PARKWAY SUITE 325 STUART, FL 34994 |
* | $ -1,000 | 6 | $ 1,040,000 |
| Comerica Bank FARMINGTON HILLS, MI 48331 |
* | $ 94,798,000,000 | 6 | $ 1,830,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 153,432,983,000 | 6 | $ 1,830,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 6 | $ 920,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 6 | $ 1,250,000 |
| Greenstone Farm Credit Services 3515 WEST RD EAST LANSING, MI 48823 |
* | $ -1,000 | 6 | $ 1,470,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 528,514,000,000 | 6 | $ 2,240,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 5 | $ 1,305,000 |
| Dart Bank 368 S. PARK ST. MASON, MI 48854 |
* | $ 698,469,000 | 5 | $ 2,405,000 |
| Genisys Credit Union 2100 EXECUTIVE HILLS BLVD AUBURN HILLS, MI 48326 |
* | $ 4,030,966,000 | 5 | $ 865,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ -1,000 | 5 | $ 765,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ -1,000 | 5 | $ 875,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 5 | $ 755,000 |
| American Financial Network, Inc. 10 POINTE DRIVE, SUITE 330 BREA, CA 92821 |
* | $ -1,000 | 5 | $ 1,015,000 |
| Team One Credit Union 520 HAYDEN SAGINAW, MI 48607 |
* | $ 741,366,000 | 4 | $ 1,050,000 |
| Amerifirst Financial Corporation 950 TRADE CENTRE WAY SUITE 400 KALAMAZOO, MI 49009 |
* | $ -1,000 | 4 | $ 1,100,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 4 | $ 880,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ -1,000 | 4 | $ 1,150,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ 796,563,000 | 4 | $ 1,100,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 4 | $ 970,000 |
| Dfcu Financial 400 TOWN CENTER DRIVE DEARBORN, MI 48121 |
* | $ 6,455,703,000 | 4 | $ 840,000 |
| Staunton Financial Inc 25800 NORTHWESTERN HIGHWAY SUITE 110 SOUTHFIELD, MI 48076 |
* | $ -1,000 | 3 | $ 1,195,000 |
| Hall Financial 888 W BIG BEAVER RD, SUITE 800 TROY, MI 48083 |
* | $ -1,000 | 3 | $ 565,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 3 | $ 725,000 |
| Mortgage 1 Incorporated 43456 MOUND ROAD STERLING HEIGHTS, MI 48314 |
* | $ -1,000 | 3 | $ 995,000 |
| Finance of America Mortgage LLC 300 WELSH ROAD BUILDING 5 WILMINGTON, DE 19044 |
* | $ -1,000 | 3 | $ 725,000 |
| North American Savings Bank 12498 S 71 HIGHWAY GRANDVIEW, MO 64030 |
* | $ 2,177,145,000 | 3 | $ 505,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ -1,000 | 3 | $ 805,000 |
| Old National Bank ONE MAIN STREET EVANSVILLE, IN 47708 |
* | $ 24,354,109,000 | 3 | $ 1,755,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 32,520,025,000 | 3 | $ 1,075,000 |
| Horizon Bank 515 FRANKLIN ST MICHIGAN CITY, IN 46360 |
* | $ 7,338,072,000 | 3 | $ 345,000 |
| Newrez Ventures LLC 4000 W. BROWN DEER ROAD SPRINGFIELD, IL 53209 |
* | $ -1,000 | 3 | $ 1,555,000 |
| Lafcu 106 N MARKETPLACE BLVD LANSING, MI 48917 |
* | $ 939,106,000 | 3 | $ 1,195,000 |
| UBS Bank USA 299 S. MAIN ST SALT LAKE CITY, UT 84111 |
* | $ 121,064,212,000 | 3 | $ 3,315,000 |
| Premier Bank 601 CLINTON STREET YOUNGSTOWN, OH 44503 |
* | $ 7,423,952,000 | 3 | $ 1,015,000 |
| Dow Credit Union 600 E. LYON ROAD P.O. BOX 1649 MIDLAND, MI 48641 |
* | $ 2,160,125,000 | 3 | $ 415,000 |
| Member First Mortgage, LLC 616 44TH STREET SE GRAND RAPIDS, MI 49548 |
* | $ -1,000 | 3 | $ 485,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 3 | $ 945,000 |
| Charles Schwab Bank, SSB LONE TREE, CO 80124 |
* | $ 420,502,000,000 | 3 | $ 3,305,000 |
| United Bank of Michigan 900 EAST PARIS AVE SE GRAND RAPIDS, MI 49546 |
* | $ 862,936,000 | 3 | $ 1,565,000 |
| Credit Union One 400 E NINE MILE RD FERNDALE, MI 48220 |
* | $ 1,817,448,000 | 3 | $ 445,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ -1,000 | 3 | $ 575,000 |
| Honor Credit Union EDGEWOOD RD BERRIEN SPRINGS, MI 49103 |
* | $ 1,437,766,000 | 3 | $ 275,000 |
| Frankenmuth Credit Union 580 N. MAIN ST., PO BOX 209 FRANKENMUTH, MI 48734 |
* | $ 1,071,830,000 | 3 | $ 455,000 |
| Ruoff Mortgage Company 1700 MAGNAVOX WAY SUITE 220 FORT WAYNE, IN 46804 |
* | $ -1,000 | 3 | $ 405,000 |
| Mortgage Center Lc 26555 EVERGREEN RD SUITE 900 SOUTHFIELD, MI 48076 |
* | $ -1,000 | 3 | $ 435,000 |
| Michigan Mutual, Inc 911 MILITARY STREET PORT HURON, MI 48060 |
* | $ -1,000 | 2 | $ 400,000 |
| Success Mortgage Partners, Inc 1200 S. SHELDON RD. PLYMOUTH, MI 48170 |
* | $ -1,000 | 2 | $ 370,000 |
| Community Choice Credit Union 31155 NORTHWESTERN HWY FARMINGTON HILLS, MI 48334 |
* | $ 1,628,879,000 | 2 | $ 270,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ -1,000 | 2 | $ 350,000 |
| Waterford Bank, N.A. 3900 N. MCCORD RD TOLEDO, OH 43617 |
* | $ 1,532,949,000 | 2 | $ 600,000 |
| Wildfire Credit Union 6640 BAY RD SAGINAW, MI 48605 |
* | $ 1,097,531,000 | 2 | $ 90,000 |
| First State Bank 24300 LITTLE MACK ST CLAIR SHORES, MI 48080 |
* | $ 937,238,000 | 2 | $ 2,710,000 |
| Warsaw Federal Savings and Loan Association 3533 WARSAW AVE CINCINNATI, OH 45205 |
* | $ 56,951,000 | 2 | $ 410,000 |
| First Federal S&L of Lakewood 14806 DETROIT AVE LAKEWOOD, OH 44107 |
* | $ 2,217,917,000 | 2 | $ 760,000 |
| University of Michigan Credit Union 340 E. HURON ANN ARBOR, MI 48104 |
* | $ 1,323,806,000 | 2 | $ 140,000 |
| Associated Bank NA 200 NORTH ADAMS STREET GREEN BAY, WI 54301 |
* | $ 35,057,609,000 | 2 | $ 1,390,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 32,127,026,000 | 2 | $ 290,000 |
| Ally Bank CHARLOTTE, NC 28202 |
* | $ 172,820,000,000 | 2 | $ 1,030,000 |
| University Lending Group, LLC 42452 HAYES, STE I CLLINTON TOWNSHIP, MI 48038 |
* | $ -1,000 | 2 | $ 1,040,000 |
| 1st Source Bank P O BOX 1602 SUITE 400 SOUTH BEND, IN 46601 |
* | $ 8,096,004,000 | 2 | $ 3,960,000 |
| Alliant Credit Union 11545 W TOUHY CHICAGO, IL 60666 |
* | $ 15,151,012,000 | 2 | $ 110,000 |
| Sovereign Lending Group Inc. NEWPORT BEACH, CA 92660 |
* | $ -1,000 | 2 | $ 510,000 |
| Nexera Holding LLC 2200 POWELL STREET SUITE 340 EMERYVILLE, CA 94608 |
* | $ -1,000 | 2 | $ 540,000 |
| Northpointe Bank 3333 DEPOSIT DRIVE NE GRAND RAPIDS, MI 49546 |
* | $ 4,726,840,000 | 2 | $ 1,560,000 |
| United Federal Credit Union 2807 SOUTH STATE ST ST. JOSEPH, MI 49085 |
* | $ 3,863,597,000 | 2 | $ 220,000 |
| First National Bank of America 241 EAST SAGINAW EAST LANSING, MI 48823 |
* | $ 3,310,189,000 | 2 | $ 160,000 |
| Stifel Bank & Trust 501 NORTH BROADWAY ST. LOUIS, MO 63102 |
* | $ 18,959,414,000 | 2 | $ 3,060,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 2 | $ 160,000 |
| BMO Harris Bank NA 111 W. MONROE CHICAGO, IL 60606 |
* | $ 166,652,719,000 | 2 | $ 1,820,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 2 | $ 430,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 3,348,940,000 | 2 | $ 720,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ 12,582,271,000 | 2 | $ 560,000 |
| Community First Bank of Ind 201 W SYCAMORE ST KOKOMO, IN 46901 |
* | $ 556,452,000 | 2 | $ 1,330,000 |
| Stockton Mortgage Corporation 88 C MICHAEL DAVENPORT BLVD. FRANKFORT, KY 40601 |
* | $ -1,000 | 2 | $ 580,000 |
| Homexpress Mortgage Corp. 1936 E DEERE AVE SUITE 200 SANTA ANA, CA 92705 |
* | $ -1,000 | 2 | $ 370,000 |
| Blueleaf Lending, LLC 112 S SANGAMON STREET 2ND FLOOR CHICAGO, IL 60607 |
* | $ -1,000 | 2 | $ 130,000 |
| Neighborhood Loans, Inc 1333 BUTTERFIELD RD SUITE 600 DOWNERS GROVE, IL 60515 |
* | $ -1,000 | 2 | $ 330,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ -1,000 | 1 | $ 645,000 |
| Ark-La-Tex Financial Services LLC 5160 TENNYSON PKWY STE 1000 PLANO, TX 75024 |
* | $ -1,000 | 1 | $ 645,000 |
| Northrop Grumman Federal Credit Union 879 W 190TH ST 8TH FLOOR GARDENA, CA 90248 |
* | $ 1,642,713,000 | 1 | $ 305,000 |
| Advantage One Credit Union 23670 TELEGRAPH RD. BROWNSTOWN, MI 48134 |
* | $ 211,832,000 | 1 | $ 175,000 |
| Inlanta Mortgage, Inc. W239 N3490 PEWAUKEE ROAD, STE.200 PEWAUKEE, WI 53072 |
* | $ -1,000 | 1 | $ 325,000 |
| Guaranty Home Mortgage Corporation 316 ROBERT ROSE DRIVE NASHVILLE, TN 37129 |
* | $ -1,000 | 1 | $ 205,000 |
| Envoy Mortgage, Ltd 10496 KATY FWY STE 250 HOUSTON, TX 77024 |
* | $ -1,000 | 1 | $ 165,000 |
| Howard Hanna Financial Services, Inc 1000 GAMMA DRIVE PITTSBURGH, PA 15238 |
* | $ -1,000 | 1 | $ 135,000 |
| State Departmenet Federal Credit Union 1630 KING STREET ALEXANDRIA, VA 22314 |
* | $ 2,625,847,000 | 1 | $ 285,000 |
| Sage Home Loans Corporation 1423 RED VENTURES DRIVE SUITE 201 FORT MILL, SC 29707 |
* | $ -1,000 | 1 | $ 305,000 |
| Arvest Bank TULSA, OK 74103 |
* | $ 26,774,219,000 | 1 | $ 525,000 |
| Commercial Bank 301 N. STATE ST ALMA, MI 48801 |
* | $ 610,261,000 | 1 | $ 305,000 |
| Northwest Bank 100 LIBERTY STREET WARREN, PA 16365 |
* | $ 14,606,175,000 | 1 | $ 515,000 |
| Baxter Credit Union 340 N MILWAUKEE AVE 340 N MILWAUKEE AVE, IL 60061 |
* | $ 5,072,223,000 | 1 | $ 295,000 |
| Michigan Educational Credit Union 9200 HAGGERTY ROAD PLYMOUTH, MI 48178 |
* | $ 1,074,921,000 | 1 | $ 65,000 |
| First International Bank & Trust 1600 S BDWAY MINOT, ND 58701 |
* | $ 4,710,410,000 | 1 | $ 165,000 |
| American Internet Mortgage, Inc. 4121 CAMINO DEL RIO SOUTH SAN DIEGO, CA 92108 |
* | $ -1,000 | 1 | $ 415,000 |
| Loanunited.Com, LLC 3235 SATELLITE BLVD SUITE 314 DULUTH, GA 30096 |
* | $ -1,000 | 1 | $ 245,000 |
| Bank of Springfield 2600 STEVENSON DRIVE SPRINGFIELD, IL 62711 |
* | $ 1,454,541,000 | 1 | $ 225,000 |
| Vandyk Mortgage Corporation 2449 CAMELOT CT SE GRAND RAPIDS, MI 49546 |
* | $ -1,000 | 1 | $ 115,000 |
| Cake Mortgage Corp. 9200 OAKDALE AVE STE 501 CHATSWORTH, CA 91311 |
* | $ -1,000 | 1 | $ 425,000 |
| Das Acquisition Company, LLC 12140 WOODCREST EXECUTIVE DRIVE, STE 150 SAINT LOUIS, MO 63141 |
* | $ -1,000 | 1 | $ 505,000 |
| Michigan Schools and Governmen 40400 GARFIELD ROAD CLINTON TOWNSHIP, MI 48038 |
* | $ 3,063,946,000 | 1 | $ 25,000 |
| Health Advantage Federal Credi 4550 STATE ST. SAGINAW, MI 48603 |
* | $ 179,265,000 | 1 | $ 335,000 |
| City National Bank 555 S FLOWER ST LOS ANGELES, CA 90071 |
* | $ 93,227,302,000 | 1 | $ 2,125,000 |
| Union Bank 670 CASCADE WEST PARKWAY SE CASCADE, MI 49546 |
* | $ 342,221,000 | 1 | $ 835,000 |
| Bank Fund Staff Federal Credit 1725 I STREET NW SUITE 150 WASHINGTON, DC 20006 |
* | $ 6,544,502,000 | 1 | $ 335,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 1 | $ 75,000 |
| Superior National Bank 235 QUINCY ST HANCOCK, MI 49930 |
* | $ 1,073,220,000 | 1 | $ 535,000 |
| Secured Investment Corp 701 E FRONT AVE COEUR D'ALENE, ID 83814 |
* | $ -1,000 | 1 | $ 135,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,669,227,000,000 | 1 | $ 325,000 |
| Luxury Mortgage Corp. FOUR LANDMARK SQUARE SUITE 300 STAMFORD, CT 06901 |
* | $ -1,000 | 1 | $ 155,000 |
| Chicago Mortgage Solutions LLC 9525 W BRYN MAWR AVE ROSEMONT, IL 60018 |
* | $ -1,000 | 1 | $ 255,000 |
| Andrews Federal Credit Union 5711 ALLENTOWN ROAD SUITLAND, MD 20746 |
* | $ 2,287,872,000 | 1 | $ 85,000 |
| The State Bank 175 N LEROY ST FENTON, MI 48430 |
* | $ 1,419,081,000 | 1 | $ 255,000 |
| BNY Mellon, N.A. BOSTON, MA 02108 |
* | $ 33,980,000,000 | 1 | $ 505,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ -1,000 | 1 | $ 135,000 |
| Rbc Bank (Georgia), N.A. RALEIGH, NC 27607 |
* | $ 6,018,212,000 | 1 | $ 105,000 |
| Isabella Bank 139 E. BROADWAY MT PLEASANT, MI 48858 |
* | $ 1,982,186,000 | 1 | $ 335,000 |
| Keybank National Association 127 PUBLIC SQUARE CLEVELAND, OH 44114 |
* | $ 183,977,708,000 | 1 | $ 205,000 |
| Thumb Bank & Trust 7254 MICHIGAN AVE., P.O. BOX 560 PIGEON, MI 48755 |
* | $ 379,686,000 | 1 | $ 265,000 |
| Michigan First Credit Union 27000 EVERGREEN LATHRUP VILLAGE, MI 48076 |
* | $ 1,478,612,000 | 1 | $ 345,000 |
| Diversified Members Credit Union 1480 E JEFFERSON AVE DETROIT, MI 48207 |
* | $ 516,728,000 | 1 | $ 155,000 |
| NBKC Bank 8320 WARD PARKWAY KANSAS CITY, MO 64114 |
* | $ 1,041,605,000 | 1 | $ 465,000 |
| Advia Credit Union 550 S RIVERVIEW DR KALAMAZOO, MI 49009 |
* | $ 2,694,606,000 | 1 | $ 135,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ -1,000 | 1 | $ 225,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ -1,000 | 1 | $ 175,000 |
| Roundpoint Mortgage Servicing LLC 446 WRENPLACE ROAD FORT MILL, SC 29715 |
* | $ -1,000 | 1 | $ 455,000 |
| Quontic Bank 31-05 BROADWAY ASTORIA, NY 11106 |
* | $ 916,091,000 | 1 | $ 265,000 |
| Gte Federal Credit Union 711 E HENDERSON AVENUE TAMPA, FL 33602 |
* | $ 2,797,870,000 | 1 | $ 85,000 |
| Dort Financial Credit Union 9048 HOLLY ROAD GRAND BLANC, MI 48439 |
* | $ 1,382,284,000 | 1 | $ 545,000 |
| Legend Lending Corporation 17047 EL CAMINO REAL, SUITE 150 HOUSTON, TX 77058 |
* | $ -1,000 | 1 | $ 115,000 |
| Emm Loans LLC 3 EXECUTIVE CAMPUS, SUITE 520 CHERRY HILL, NJ 08003 |
* | $ -1,000 | 1 | $ 185,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ -1,000 | 1 | $ 155,000 |
| Consumers Credit Union PO BOX 525 KALAMAZOO, MI 49009 |
* | $ 1,803,219,000 | 1 | $ 245,000 |
| Raymond James Bank 710 CARILLON PARKWAY SAINT PETERSBURG, FL 33716 |
* | $ 38,107,223,000 | 1 | $ 245,000 |
| Wyndham Capital Mortgage, Inc. 6115 PARK SOUTH DRIVE, STE 200 RALEIGH, NC 28210 |
* | $ -1,000 | 1 | $ 335,000 |
| Thrivent Federal Credit Union SHAKOPEE, MN 55379 |
* | $ 870,500,000 | 1 | $ 75,000 |
| Hometown Equity Mortgage, LLC 25531 COMMERCENTRE DRIVE SUITE 250 LAKE FOREST, CA 92630 |
* | $ -1,000 | 1 | $ 155,000 |
| Eastrise Federal Credit Union 141 HARVEST LANE WILLISTON, VT 05495 |
* | $ 1,945,219,000 | 1 | $ 315,000 |
| Beeline Loans, Inc. 188 VALLEY ST SUITE 225 PROVIDENCE, RI 02909 |
* | $ -1,000 | 1 | $ 315,000 |
| Eastman Credit Union P.O. BOX 1989 KINGSPORT, TN 37662 |
* | $ 7,123,603,000 | 1 | $ 405,000 |
| Redwood Residential Acquisition Corporation 1 BELVEDERE PLACE MILL VALLEY, CA 94951 |
* | $ -1,000 | 1 | $ 945,000 |
| Data Mortgage, Inc OCALA, FL 34475 |
* | $ -1,000 | 1 | $ 325,000 |
| Towne Mortgage Company 888 WEST BIG BEAVER ROAD SUITE 310 TROY, MI 48084 |
* | $ -1,000 | 1 | $ 95,000 |
| Gold Star Mortgage Financial Group, Corporation 2350 GREEN ROAD SUITE 100B ANN ARBOR, MI 48105 |
* | $ -1,000 | 1 | $ 375,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 1 | $ 95,000 |
| Filo Mortgage, LLC 555 E NORTH LN #6125 WEST CONSHOHOCKEN, PA 19428 |
* | $ -1,000 | 1 | $ 225,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ -1,000 | 1 | $ 275,000 |
| Union Savings Bank 8534 E KEMPER RD CINCINNATI, OH 45249 |
* | $ 3,463,554,000 | 1 | $ 645,000 |
| University Bank 2015 WASHTENAW AVE ANN ARBOR, MI 48104 |
* | $ 489,999,000 | 1 | $ 555,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ -1,000 | 1 | $ 85,000 |
| Gvc Mortgage, Inc. ONE PLAZA DRIVE, SUITE 3 SUITE 200, IN 46064 |
* | $ -1,000 | 1 | $ 95,000 |
| Capstar Bank 1201 DEMONBREUN ST #700 NASHVILLE, TN 37203 |
* | $ 3,129,211,000 | 1 | $ 335,000 |
| Specialized Loan Servicing LLC 6200 S QUEBEC ST WILMINGTON, DE 80111 |
* | $ -1,000 | 1 | $ 515,000 |
| Arbor Financial Credit Union 1551 SOUTH 9TH STREET KALAMAZOO, MI 49009 |
* | $ 829,123,000 | 1 | $ 435,000 |
| Farmers Bank & Trust 1017 HARRISON GREAT BEND, KS 67530 |
* | $ 872,778,000 | 1 | $ 255,000 |
| Vibe Credit Union 1375 N OAKLAND BLVD NOVI, MI 48377 |
* | $ 1,148,089,000 | 1 | $ 215,000 |
| Ocmbc, Inc. 19000 MACARTHUR BLVD, SUITE 200 IRVINE, CA 92612 |
* | $ -1,000 | 1 | $ 255,000 |
| Oaktree Funding Corp 1298 WEST 7TH STREET CHANDLER, AZ 85226 |
* | $ -1,000 | 1 | $ 275,000 |
| Nations Reliable Lending, LLC HOUSTON, TX 77057 |
* | $ -1,000 | 1 | $ 195,000 |
| BNC National Bank BISMARCK, ND 58501 |
* | $ 1,046,501,000 | 1 | $ 315,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ -1,000 | 1 | $ 225,000 |
| First Republic Bank 111 PINE STREET SAN FRANCISCO, CA 94111 |
* | $ 181,087,209,000 | 1 | $ 2,585,000 |
| Commerce Bank 922 WALNUT, TB 12-1 KANSAS CITY, MO 64106 |
* | $ 36,515,611,000 | 1 | $ 545,000 |
| Paramount Residential Mortgage 1265 CORONA POINTE CT SUITE 301 CORONA, CA 92879 |
* | $ -1,000 | 1 | $ 325,000 |
| Kiavi Funding, Inc. 315 MONTGOMERY STREET 16TH FLOOR SAN FRANCISCO, CA 94104 |
* | $ -1,000 | 1 | $ 135,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ -1,000 | 1 | $ 225,000 |
| Cherry Creek Mortgage, LLC 7600 E ORCHARD ROAD, SUITE 250 -N WILMINGTON, DE 80111 |
* | $ -1,000 | 1 | $ 215,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 117,378,701,000 | 1 | $ 285,000 |
The tables below break down 2022 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 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 | 593 | $242,345,000 | $408,000 | $5,535,000 | $217,000 | $7,116,000 |
| Cash-out Refinancing | 339 | $87,835,000 | $259,000 | $3,005,000 | $137,000 | $2,896,000 |
| Refinancing | 224 | $59,720,000 | $266,000 | $2,905,000 | $209,000 | $7,607,000 |
| Home Improvement | 138 | $17,400,000 | $126,000 | $755,000 | $169,000 | $1,631,000 |
| Other Purpose | 137 | $49,945,000 | $364,000 | $4,595,000 | $238,000 | $2,771,000 |
| Not Applicable | 3 | $365,000 | $121,000 | $155,000 | $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 | 1,116 | $350,920,000 | $314,000 | $5,535,000 | $186,000 | $7,116,000 |
| Not Provided | 215 | $72,155,000 | $335,000 | $4,595,000 | $249,000 | $7,607,000 |
| Not applicable | 55 | $22,825,000 | $415,000 | $1,825,000 | $128,000 | $230,000 |
| American Indian or Alaskan Native | 22 | $4,330,000 | $196,000 | $1,105,000 | $132,000 | $538,000 |
| Hispanic | 14 | $3,460,000 | $247,000 | $595,000 | $125,000 | $350,000 |
| Asian | 9 | $2,195,000 | $243,000 | $625,000 | $119,000 | $394,000 |
| Black or African American | 2 | $480,000 | $240,000 | $245,000 | $97,000 | $130,000 |
| 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) | 1,269 | $423,575,000 | $333,000 | $5,535,000 | $209,000 | $7,607,000 |
| FHA-insured (Federal Housing Administration) | 92 | $17,780,000 | $193,000 | $405,000 | $64,000 | $170,000 |
| VA-guaranteed (Veterans Administration) | 68 | $15,610,000 | $229,000 | $745,000 | $73,000 | $288,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 5 | $645,000 | $129,000 | $195,000 | $56,000 | $67,000 |
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 | 823 | $290,725,000 | $353,000 | $5,535,000 | $219,000 | $7,116,000 |
| Application Withdrawn By Applicant | 243 | $73,985,000 | $304,000 | $3,405,000 | $166,000 | $2,100,000 |
| Application Denied By Financial Institution | 215 | $53,225,000 | $247,000 | $4,705,000 | $116,000 | $1,303,000 |
| File Closed For Incompleteness | 73 | $14,255,000 | $195,000 | $1,005,000 | $223,000 | $7,607,000 |
| Loan Purchased By The Institution | 52 | $17,760,000 | $341,000 | $965,000 | $139,000 | $278,000 |
| Application Approved But Not Accepted | 25 | $6,875,000 | $275,000 | $3,005,000 | $237,000 | $2,221,000 |
| Preapproval Approved but not Accepted | 3 | $785,000 | $261,000 | $355,000 | $176,000 | $250,000 |
| 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 | 1,217 | $403,865,000 | $331,000 | $5,535,000 | $208,000 | $7,607,000 |
| Debt-To-Income Ratio | 59 | $25,775,000 | $436,000 | $4,705,000 | $138,000 | $1,303,000 |
| Collateral | 52 | $9,720,000 | $186,000 | $645,000 | $145,000 | $1,214,000 |
| Credit History | 45 | $5,635,000 | $125,000 | $805,000 | $73,000 | $325,000 |
| Credit Application Incomplete | 30 | $5,780,000 | $192,000 | $375,000 | $116,000 | $458,000 |
| Other | 12 | $2,220,000 | $185,000 | $505,000 | $92,000 | $245,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 8 | $2,410,000 | $301,000 | $755,000 | $96,000 | $264,000 |
| Unverifiable Information | 7 | $1,145,000 | $163,000 | $235,000 | $93,000 | $350,000 |
| Employment History | 4 | $1,060,000 | $265,000 | $505,000 | $96,000 | $121,000 |
| 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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