Gratiot County, MI Mortgage Lenders & HMDA Data, 2023
In 2023, lenders reported 1,164 mortgage applications in Gratiot County, MI totaling $141.7 million, down 17% from 2022. The average application was for $121,000, and applicants reported an average income of $76,000. 50% of applications resulted in an originated loan and 19% were denied. The most active lender was Mercantile Bank, with 123 applications, followed by Huntington National Bank and 21st Mortgage.
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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 | 1,164 |
| Total Mortgage Loan Application Amount | $141,680,000 |
| Average Mortgage Loan Application Amount | $121,000 |
| Highest Mortgage Loan Application Amount | $6,365,000 |
| Average Applicant Income | $76,000 |
| Highest Applicant Income | $1,107,000 |
* 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 |
* | $ 4,853,001,000 | 123 | $ 9,835,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 182,325,674,000 | 77 | $ 6,435,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 70 | $ 2,800,000 |
| Isabella Bank 139 E. BROADWAY MT PLEASANT, MI 48858 |
* | $ 1,981,367,000 | 62 | $ 6,010,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 40 | $ 5,720,000 |
| Academy Mortgage Corporation 339 WEST 13490 SOUTH SALT LAKE CITY, UT 84020 |
* | $ -1,000 | 36 | $ 4,020,000 |
| Commercial Bank 301 N. STATE ST ALMA, MI 48801 |
* | $ 613,249,000 | 35 | $ 5,365,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 29 | $ 1,255,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 28 | $ 4,180,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 22 | $ 3,480,000 |
| Legacy Mortgage 1537 E HILL RD SUITE 100 GRAND BLANC, MI 48439 |
* | $ -1,000 | 21 | $ 2,985,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 21 | $ 2,975,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 20 | $ 3,990,000 |
| Union Home Mortgage Corp. 8241 DOW CIRCLE STRONGSVILLE, OH 44136 |
* | $ -1,000 | 18 | $ 2,040,000 |
| Michigan One Community Credit Union 510 S DEXTER ST. IONIA, MI 48446 |
* | $ 200,183,000 | 17 | $ 1,095,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 16 | $ 2,480,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 16 | $ 2,740,000 |
| Dart Bank 368 S. PARK ST. MASON, MI 48854 |
* | $ 931,934,000 | 15 | $ 3,145,000 |
| Msu Federal Credit Union 3777 WEST ROAD EAST LANSING, MI 48823 |
* | $ 7,276,719,000 | 15 | $ 2,455,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 14 | $ 1,340,000 |
| Fifth Third Bank, National Association 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 206,289,179,000 | 14 | $ 1,390,000 |
| Pfn Lending Group, Inc. 5016 N PARKWAY CALABASAS CALABASAS, CA 91302 |
* | $ -1,000 | 13 | $ 2,065,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 129,461,046,000 | 12 | $ 640,000 |
| Independent Bank 4200 EAST BELTLINE GRAND RAPIDS, MI 49525 |
* | $ 4,995,759,000 | 12 | $ 1,560,000 |
| Mortgage 1 Incorporated 43456 MOUND ROAD STERLING HEIGHTS, MI 48314 |
* | $ -1,000 | 11 | $ 1,885,000 |
| Greenstone Farm Credit Services 3515 WEST RD EAST LANSING, MI 48823 |
* | $ -1,000 | 10 | $ 4,640,000 |
| Neighborhood Loans, Inc 1333 BUTTERFIELD RD SUITE 600 DOWNERS GROVE, IL 60515 |
* | $ -1,000 | 10 | $ 1,330,000 |
| Mortgage Center Lc 26555 EVERGREEN RD SUITE 900 SOUTHFIELD, MI 48076 |
* | $ -1,000 | 9 | $ 1,035,000 |
| Mms Mortgage Services, Ltd. 38275 TWELVE MILE RD., SUITE 100 FARMINGTON HILLS, MI 48331 |
* | $ -1,000 | 9 | $ 1,255,000 |
| Coastal Community Bank PO BOX 12220 EVERETT, WA 98203 |
* | $ 3,141,703,000 | 9 | $ 215,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 9 | $ 1,185,000 |
| Hall Financial 888 W BIG BEAVER RD, SUITE 800 TROY, MI 48083 |
* | $ -1,000 | 8 | $ 900,000 |
| Success Mortgage Partners, Inc 1200 S. SHELDON RD. PLYMOUTH, MI 48170 |
* | $ -1,000 | 8 | $ 1,020,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 552,307,127,000 | 8 | $ 7,250,000 |
| Members First Credit Union PO BOX 2165 MIDLAND, MI 48640 |
* | $ 814,372,000 | 7 | $ 225,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 156,645,099,000 | 7 | $ 955,000 |
| Member First Mortgage, LLC 616 44TH STREET SE GRAND RAPIDS, MI 49548 |
* | $ -1,000 | 7 | $ 685,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 3,201,942,000,000 | 7 | $ 875,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 6 | $ 760,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 6 | $ 790,000 |
| Dow Credit Union 600 E. LYON ROAD P.O. BOX 1649 MIDLAND, MI 48641 |
* | $ 2,121,428,000 | 6 | $ 510,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 6 | $ 710,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 6 | $ 900,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 5 | $ 695,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 226,401,591,000 | 5 | $ 525,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 5 | $ 635,000 |
| Northpointe Bank 3333 DEPOSIT DRIVE NE GRAND RAPIDS, MI 49546 |
* | $ 4,401,730,000 | 5 | $ 455,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 2,418,508,000,000 | 5 | $ 375,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 90,036,656,000 | 5 | $ 765,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 110,900,000,000 | 4 | $ 700,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ -1,000 | 4 | $ 510,000 |
| Mortgage300 Corporation 10 SE CENTRAL PARKWAY SUITE 325 STUART, FL 34994 |
* | $ -1,000 | 4 | $ 620,000 |
| Lake Michigan Credit Union PO BOX 2848 GRAND RAPIDS, MI 49501 |
* | $ 11,908,096,000 | 4 | $ 750,000 |
| Staunton Financial Inc 25800 NORTHWESTERN HIGHWAY SUITE 110 SOUTHFIELD, MI 48076 |
* | $ -1,000 | 4 | $ 610,000 |
| Lake Trust Credit Union 4605 S OLD US HIGHWAY 23 BRIGHTON, MI 48114 |
* | $ 2,583,731,000 | 4 | $ 170,000 |
| Credit Union One 400 E NINE MILE RD FERNDALE, MI 48220 |
* | $ 1,758,444,000 | 4 | $ 170,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ -1,000 | 4 | $ 130,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ -1,000 | 4 | $ 400,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 4 | $ 630,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ -1,000 | 4 | $ 590,000 |
| First Community Mortgage, Inc. 275 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ -1,000 | 3 | $ 455,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ -1,000 | 3 | $ 635,000 |
| Ally Bank CHARLOTTE, NC 28202 |
* | $ 181,890,000,000 | 3 | $ 585,000 |
| Consumer Real Estate Finance Co dba Society Mortgage 330 SW 2ND ST #111 FORT LAUDERDALE, FL 33312 |
* | $ -1,000 | 3 | $ 295,000 |
| Michigan Mutual, Inc 911 MILITARY STREET PORT HURON, MI 48060 |
* | $ -1,000 | 3 | $ 315,000 |
| Top Flite Financial, Inc. 123 E GRAND RIVER AVE WILLIAMSTON, MI 48895 |
* | $ -1,000 | 3 | $ 415,000 |
| Goodleap, LLC 8781 SIERRA COLLEGE BLVD ROSEVILLE, CA 95661 |
* | $ -1,000 | 3 | $ 355,000 |
| Pfcu 9077 CHARLOTTE HWY PORTLAND, MI 48875 |
* | $ 786,833,000 | 3 | $ 645,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 3 | $ 345,000 |
| Frankenmuth Credit Union 580 N. MAIN ST., PO BOX 209 FRANKENMUTH, MI 48734 |
* | $ 1,199,213,000 | 3 | $ 155,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 3 | $ 425,000 |
| Meijer Credit Union 2410 GAYNOR AVE. NW GRAND RAPIDS, MI 49544 |
* | $ 85,975,000 | 3 | $ 95,000 |
| Vandyk Mortgage Corporation 2449 CAMELOT CT SE GRAND RAPIDS, MI 49546 |
* | $ -1,000 | 3 | $ 455,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ -1,000 | 3 | $ 275,000 |
| Michigan Schools and Governmen 40400 GARFIELD ROAD CLINTON TOWNSHIP, MI 48038 |
* | $ 3,328,841,000 | 2 | $ 220,000 |
| Geneva Financial LLC 180 S ARIZONA AVE STE 310 CHANDLER, AZ 85225 |
* | $ -1,000 | 2 | $ 210,000 |
| Astera Credit Union 5615 W SAGINAW HWY LANSING, MI 48917 |
* | $ 194,439,000 | 2 | $ 50,000 |
| Consumers Professional Credit Union 525 W WILLOW STREET LANSING, MI 48906 |
* | $ 91,888,000 | 2 | $ 210,000 |
| Legend Lending Corporation 17047 EL CAMINO REAL, SUITE 150 HOUSTON, TX 77058 |
* | $ -1,000 | 2 | $ 210,000 |
| Northern Mortgage Services, LLC 3714 28TH ST SW GRANDVILLE, MI 49418 |
* | $ -1,000 | 2 | $ 530,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 2 | $ 130,000 |
| Lafcu 106 N MARKETPLACE BLVD LANSING, MI 48917 |
* | $ 986,595,000 | 2 | $ 110,000 |
| Equity Prime Mortgage LLC 5 CONCOURSE PKWY, STE 2250 ATLANTA, GA 30328 |
* | $ -1,000 | 2 | $ 350,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ -1,000 | 2 | $ 350,000 |
| Sidney State Bank 3016 SIDNEY SIDNEY, MI 48885 |
* | $ 120,205,000 | 2 | $ 80,000 |
| Wildfire Credit Union 6640 BAY RD SAGINAW, MI 48605 |
* | $ 1,031,864,000 | 2 | $ 70,000 |
| Dfcu Financial 400 TOWN CENTER DRIVE DEARBORN, MI 48121 |
* | $ 6,002,039,000 | 2 | $ 140,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 585,135,605,000 | 2 | $ 80,000 |
| Genisys Credit Union 2100 EXECUTIVE HILLS BLVD AUBURN HILLS, MI 48326 |
* | $ 4,469,837,000 | 2 | $ 50,000 |
| Consumers Credit Union PO BOX 525 KALAMAZOO, MI 49009 |
* | $ 2,031,988,000 | 2 | $ 220,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ -1,000 | 2 | $ 490,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 2 | $ 190,000 |
| Ruoff Mortgage Company 1700 MAGNAVOX WAY SUITE 220 FORT WAYNE, IN 46804 |
* | $ -1,000 | 2 | $ 210,000 |
| Horizon Bank 515 FRANKLIN ST MICHIGAN CITY, IN 46360 |
* | $ 7,794,340,000 | 2 | $ 800,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 34,681,050,000 | 2 | $ 200,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 2 | $ 330,000 |
| Quontic Bank 31-05 BROADWAY ASTORIA, NY 11106 |
* | $ 632,715,000 | 1 | $ 325,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 1 | $ 245,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ -1,000 | 1 | $ 215,000 |
| First Ciitizens Bank and Trust 4300 SIX FORKS ROAD FCC 21 RALEIGH, NC 27603 |
* | $ 109,180,139,000 | 1 | $ 75,000 |
| Baycoast Bank 330 SWANSEA MALL DRIVE SWANSEA, MA 02777 |
* | $ 2,820,893,000 | 1 | $ 25,000 |
| Nexera Holding LLC 2200 POWELL STREET SUITE 340 EMERYVILLE, CA 94608 |
* | $ -1,000 | 1 | $ 105,000 |
| Rbc Bank (Georgia), N.A. RALEIGH, NC 27607 |
* | $ 6,097,782,000 | 1 | $ 115,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 546,228,000,000 | 1 | $ 175,000 |
| NBKC Bank 8320 WARD PARKWAY KANSAS CITY, MO 64114 |
* | $ 1,052,701,000 | 1 | $ 175,000 |
| Old National Bank ONE MAIN STREET EVANSVILLE, IN 47708 |
* | $ 46,490,438,000 | 1 | $ 605,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ -1,000 | 1 | $ 55,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ 12,826,414,000 | 1 | $ 45,000 |
| Gvc Mortgage, Inc. ONE PLAZA DRIVE, SUITE 3 SUITE 200, IN 46064 |
* | $ -1,000 | 1 | $ 65,000 |
| Alliant Credit Union 11545 W TOUHY CHICAGO, IL 60666 |
* | $ 18,739,008,000 | 1 | $ 55,000 |
| Greenwood Credit Union 2669 POST ROAD WARWICK, RI 02886 |
* | $ 792,493,000 | 1 | $ 75,000 |
| Lakeview Community Capital 4425 PONE DE LEON BLVD, MS 5-251 CORAL GABLES, FL 33146 |
* | $ -1,000 | 1 | $ 45,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 1 | $ 65,000 |
| Ark-La-Tex Financial Services LLC 5160 TENNYSON PKWY STE 1000 PLANO, TX 75024 |
* | $ -1,000 | 1 | $ 385,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ -1,000 | 1 | $ 85,000 |
| Empeople Credit Union 3950 38TH AVENUE MOLINE, IL 61265 |
* | $ 1,991,835,000 | 1 | $ 75,000 |
| Gold Star Mortgage Financial Group, Corporation 2350 GREEN ROAD SUITE 100B ANN ARBOR, MI 48105 |
* | $ -1,000 | 1 | $ 105,000 |
| Preferred Credit Union 3767 SPARKS DR SE GRAND RAPIDS, MI 49546 |
* | $ 259,946,000 | 1 | $ 25,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ 780,976,000 | 1 | $ 275,000 |
| Financial Plus Credit Union G-3381 VAN SLYKE RD, P.O. BOX 7006 FLINT, MI 48507 |
* | $ 1,228,239,000 | 1 | $ 75,000 |
| Sofi Bank, National Association FRISCO, TX 75034 |
* | $ 9,123,708,000 | 1 | $ 105,000 |
| Michigan First Credit Union 27000 EVERGREEN LATHRUP VILLAGE, MI 48076 |
* | $ 1,476,814,000 | 1 | $ 155,000 |
| Adventure Credit Union 630 32ND ST SE GRAND RAPIDS, MI 49548 |
* | $ 437,120,000 | 1 | $ 85,000 |
| Amcap Mortgage, Ltd. 9999 BELLAIRE BLVD., SUITE 700 AUSTIN, TX 77036 |
* | $ -1,000 | 1 | $ 245,000 |
| Elga Credit Union 2303 S. CENTER ROAD GRAND BLANC, MI 48439 |
* | $ 1,416,441,000 | 1 | $ 165,000 |
| Wsfs Bank 500 DELAWARE AVENUE WILMINGTON, DE 19801 |
* | $ 19,808,858,000 | 1 | $ 55,000 |
| Blg Holdings, LLC 2353 S. LINDEN RD. SUITE A FLINT, MI 48507 |
* | $ -1,000 | 1 | $ 175,000 |
| Greenstone Farm Credit Services 5285 W US-223 EAST LANSING, MI 48823 |
* | $ -1,000 | 1 | $ 115,000 |
| Team One Credit Union 520 HAYDEN SAGINAW, MI 48607 |
* | $ 750,658,000 | 1 | $ 85,000 |
| Platinum Home Mortgage Corporation 2200 HICKS RD, STE 101 SPRINGFIELD, IL 60008 |
* | $ -1,000 | 1 | $ 175,000 |
| 1st State Bank PO BOX 1468 SAGINAW, MI 48605 |
* | $ -1,000 | 1 | $ 75,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ -1,000 | 1 | $ 175,000 |
| Community First Federal Credit 9637 N GREENVILLE RD LAKEVIEW, MI 48850 |
* | $ 111,832,000 | 1 | $ 65,000 |
| Data Mortgage, Inc OCALA, FL 34475 |
* | $ -1,000 | 1 | $ 125,000 |
| American Pacific Mortgage Corporation 3000 LAVA RIDGE COURT, SUITE 200 ROSEVILLE, CA 95661 |
* | $ -1,000 | 1 | $ 145,000 |
| Jolt Credit Union 6180 STATE STREET SAGINAW, MI 48603 |
* | $ 457,330,000 | 1 | $ 105,000 |
| Dort Financial Credit Union 9048 HOLLY ROAD GRAND BLANC, MI 48439 |
* | $ 1,504,358,000 | 1 | $ 35,000 |
| Lendage, LLC dba Achieve Loans 1875 S GRANT ST SAN MATEO, CA 94402 |
* | $ -1,000 | 1 | $ 35,000 |
| First State Bank 24300 LITTLE MACK ST CLAIR SHORES, MI 48080 |
* | $ 957,924,000 | 1 | $ 75,000 |
| Nexbank 2515 MCKINNEY AVENUE, SUITE 1100 DALLAS, TX 75201 |
* | $ 14,304,653,000 | 1 | $ 165,000 |
| Northstar Bank 833 S. VAN DYKE RD. BAD AXE, MI 48413 |
* | $ 911,313,000 | 1 | $ 165,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ -1,000 | 1 | $ 105,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,717,531,000,000 | 1 | $ 85,000 |
The tables below break down 2023 mortgage applications in Gratiot 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 Gratiot County, MI in 2023
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 | 676 | $94,490,000 | $139,000 | $1,935,000 | $76,000 | $1,107,000 |
| Cash-out Refinancing | 175 | $20,345,000 | $116,000 | $455,000 | $66,000 | $177,000 |
| Other Purpose | 130 | $7,680,000 | $59,000 | $245,000 | $82,000 | $580,000 |
| Home Improvement | 119 | $6,235,000 | $52,000 | $255,000 | $81,000 | $396,000 |
| Refinancing | 60 | $12,660,000 | $211,000 | $6,365,000 | $89,000 | $315,000 |
| Not Applicable | 4 | $270,000 | $67,000 | $165,000 | $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 | 872 | $99,840,000 | $114,000 | $1,935,000 | $77,000 | $1,107,000 |
| Not applicable | 116 | $22,420,000 | $193,000 | $6,365,000 | $136,000 | $136,000 |
| Not Provided | 112 | $12,620,000 | $112,000 | $605,000 | $77,000 | $260,000 |
| Hispanic | 34 | $3,560,000 | $104,000 | $325,000 | $56,000 | $173,000 |
| American Indian or Alaskan Native | 13 | $1,245,000 | $95,000 | $175,000 | $82,000 | $222,000 |
| Black or African American | 9 | $1,035,000 | $115,000 | $215,000 | $58,000 | $101,000 |
| Asian | 5 | $685,000 | $137,000 | $325,000 | $73,000 | $204,000 |
| 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) | 829 | $90,585,000 | $109,000 | $6,365,000 | $80,000 | $1,107,000 |
| FHA-insured (Federal Housing Administration) | 207 | $30,105,000 | $145,000 | $455,000 | $62,000 | $383,000 |
| VA-guaranteed (Veterans Administration) | 69 | $12,655,000 | $183,000 | $455,000 | $76,000 | $172,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 59 | $8,335,000 | $141,000 | $255,000 | $63,000 | $98,000 |
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 | 579 | $79,205,000 | $136,000 | $6,365,000 | $84,000 | $1,107,000 |
| Application Denied By Financial Institution | 218 | $17,760,000 | $81,000 | $375,000 | $55,000 | $176,000 |
| Application Withdrawn By Applicant | 152 | $18,490,000 | $121,000 | $405,000 | $75,000 | $318,000 |
| Loan Purchased By The Institution | 111 | $15,175,000 | $136,000 | $455,000 | $75,000 | $136,000 |
| File Closed For Incompleteness | 59 | $4,445,000 | $75,000 | $275,000 | $62,000 | $247,000 |
| Application Approved But Not Accepted | 40 | $5,690,000 | $142,000 | $1,935,000 | $98,000 | $580,000 |
| Preapproval Approved but not Accepted | 5 | $915,000 | $183,000 | $265,000 | $72,000 | $150,000 |
| 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 | 899 | $117,705,000 | $130,000 | $6,365,000 | $79,000 | $580,000 |
| Debt-To-Income Ratio | 111 | $12,585,000 | $113,000 | $455,000 | $81,000 | $1,107,000 |
| Credit History | 77 | $4,555,000 | $59,000 | $195,000 | $52,000 | $127,000 |
| Collateral | 39 | $3,345,000 | $85,000 | $185,000 | $61,000 | $137,000 |
| Credit Application Incomplete | 21 | $1,765,000 | $84,000 | $175,000 | $62,000 | $135,000 |
| Unverifiable Information | 6 | $770,000 | $128,000 | $335,000 | $89,000 | $135,000 |
| Employment History | 5 | $365,000 | $73,000 | $115,000 | $42,000 | $58,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $225,000 | $75,000 | $135,000 | $67,000 | $111,000 |
| Other | 3 | $365,000 | $121,000 | $245,000 | $52,000 | $55,000 |
| 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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