Houghton County, MI Mortgage Lenders & HMDA Data, 2010
In 2010, lenders reported 772 mortgage applications in Houghton County, MI totaling $86.7 million, down 27% from 2009. The average application was for $112,000, and applicants reported an average income of $82,000. 67% of applications resulted in an originated loan and 14% were denied. The most active lender was Wells Fargo Bank, NA, with 186 applications, followed by Incrediblebank and Associated Bank, N.A..
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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 | 772 |
| Total Mortgage Loan Application Amount | $86,738,000 |
| Average Mortgage Loan Application Amount | $112,000 |
| Highest Mortgage Loan Application Amount | $680,000 |
| Average Applicant Income | $82,000 |
| Highest Applicant Income | $9,240,000 |
* 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 |
|---|---|---|---|---|
| Wells Fargo Bank, NA 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 608,778,000,000 | 186 | $ 21,596,000 |
| Incrediblebank 327 N 17TH AVE WAUSAU, WI 54401 |
* | $ 951,759,000 | 151 | $ 18,288,000 |
| Associated Bank, N.A. 200 N ADAMS ST GREEN BAY, WI 54301 |
* | $ 22,564,122,000 | 108 | $ 11,135,000 |
| Midwest Loan Solutions, Inc. 29777 TELEGRAPH RD. SUITE 3580 SOUTHFIELD, MI 48034 |
* | $ 46,200,000 | 97 | $ 9,463,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,627,684,000,000 | 31 | $ 3,659,000 |
| Citizens Bank 328 S SAGINAW ST FLINT, MI 48502 |
* | $ 11,336,105,000 | 29 | $ 1,433,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,465,221,449,000 | 27 | $ 3,289,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 21 | $ 2,871,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 37,922,355,000 | 13 | $ 1,061,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 10 | $ 1,085,000 |
| Fifth Third Mortgage, Mi LLC 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 48,969,000 | 6 | $ 763,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 112,736,105,000 | 5 | $ 603,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 4 | $ 516,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 3 | $ 280,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 276,376,130,000 | 3 | $ 377,000 |
| Pentagon Federal Credit Union 14300 SULLYFIELD CIRCLE CHANTILLY, VA 20151 |
* | $ 13,969,885,000 | 3 | $ 475,000 |
| Rbs Citizens, N.A. ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 116,921,115,000 | 2 | $ 389,000 |
| Metlife Bank, N.A. 334 MADISON AVENUE CONVENT STATION, NJ 07961 |
* | $ 14,106,965,000 | 2 | $ 281,000 |
| State Farm Bank 1 STATE FARM PLAZA BLOOMINGTON, IL 61710 |
* | $ 16,157,711,000 | 2 | $ 100,000 |
| Ing Bank, FSB 1 SOUTH ORANGE STREET WILMINGTON, DE 19801 |
* | $ 90,293,933,000 | 2 | $ 366,000 |
| Dfcu Financial 400 TOWN CENTER DRIVE DEARBORN, MI 48126 |
* | $ 2,140,880,000 | 2 | $ 144,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 55,302,902,000 | 2 | $ 196,000 |
| Chippewa Valley Bank 15755 W COUNTY ROAD B HAYWARD, WI 54843 |
* | $ 219,921,000 | 2 | $ 137,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 14,483,100,000 | 2 | $ 373,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 2 | $ 100,000 |
| Neighborhood Mortgage Solutions, LLC PO BOX 209 544 N MAIN ST FRANKENMUTH, MI 48734 |
* | $ 77,551,000 | 2 | $ 572,000 |
| Greenstone Farm Credit Services 3515 WEST RD EAST LANSING, MI 48823 |
* | $ 10,000,000 | 1 | $ 437,000 |
| Arbor Mortgage Corporation 2311 EAST BELTLINE AVE SE 200 GRAND RAPIDS, MI 49546 |
* | $ 15,555,000 | 1 | $ 119,000 |
| Gold Star Mortgage Financial Group, Corporation 2350 GREEN ROAD SUITE 100B ANN ARBOR, MI 48105 |
* | $ 10,000,000 | 1 | $ 177,000 |
| American Internet Mortgage, Inc. 4121 CAMINO DEL RIO SOUTH SAN DIEGO, CA 92108 |
* | $ 10,000,000 | 1 | $ 194,000 |
| Wyndham Capital Mortgage, Inc. 6115 PARK SOUTH DRIVE, STE 200 RALEIGH, NC 28210 |
* | $ 10,000,000 | 1 | $ 180,000 |
| Shore Mortgage 770 S. ADAMS ROAD #300 BIRMINGHAM, MI 48009 |
* | $ 10,000,000 | 1 | $ 175,000 |
| Birmingham Bancorp Mortgage 6230 ORCHARD LAKE ROAD WEST BLOOMFIELD, MI 48322 |
* | $ 10,000,000 | 1 | $ 157,000 |
| Freedom Mortgage Corp. 10500 KINCAID DR. STE. 300 FISHERS, IN 46037 |
* | $ 10,000,000 | 1 | $ 144,000 |
| Mms Mortgage Services, Ltd. 38275 TWELVE MILE RD., SUITE 100 FARMINGTON HILLS, MI 48331 |
* | $ 5,598,000 | 1 | $ 118,000 |
| Rmc Vanguard 7670 WOODWAY, SUITE 162 HOUSTON, TX 77063 |
* | $ 20,000,000 | 1 | $ 198,000 |
| Provident Funding Associates 1235 NORTH DUTTON AVE STE E SANTA ROSA, CA 95401 |
* | $ 10,000,000 | 1 | $ 180,000 |
| Qr Lending Inc 555 ZOR SHRINE PLACE MADISON, WI 53719 |
* | $ 1,093,327,000 | 1 | $ 148,000 |
| Mortgage Research Center, LLC 2101 CHAPEL PLAZA COURT SUITE 107 COLUMBIA, MO 65203 |
* | $ 880,000,000 | 1 | $ 79,000 |
| Npb Mortgage LLC 3333 DEPOSIT DRIVE NE GRAND RAPIDS, MI 49546 |
* | $ 145,000,000 | 1 | $ 40,000 |
| Midcountry Bank 2611 BLUE HERON DR. MARION, IL 62959 |
* | $ 852,055,000 | 1 | $ 117,000 |
| Community Financial Credit Uni PO BOX 8050 PLYMOUTH, MI 48170 |
* | $ 456,765,000 | 1 | $ 52,000 |
| Lake Trust Credit Union 4605 S OLD US HIGHWAY 23 BRIGHTON, MI 48114 |
* | $ 681,978,000 | 1 | $ 38,000 |
| Marshall Community Credit Union 839 W GREEN ST MARSHALL, MI 49068 |
* | $ 156,147,000 | 1 | $ 50,000 |
| Baxter Credit Union 340 N MILWAUKEE AVE 340 N MILWAUKEE AVE, IL 60061 |
* | $ 1,422,795,000 | 1 | $ 57,000 |
| Mortgage Center Lc 26555 EVERGREEN RD SUITE 900 SOUTHFIELD, MI 48076 |
* | $ 30,000,000 | 1 | $ 125,000 |
| United Bank and Trust 2723 S STATE ST ANN ARBOR, MI 48104 |
* | $ 512,610,000 | 1 | $ 72,000 |
| Mbank 130 S CEDAR ST MANISTIQUE, MI 49854 |
* | $ 515,515,000 | 1 | $ 113,000 |
| New York Community Bank 1 JERICHO PLAZA JERICHO, NY 11753 |
* | $ 40,150,052,000 | 1 | $ 124,000 |
| Midfirst Bank 501 NW GRAND BLVD. OKLAHOMA CITY, OK 73118 |
* | $ 12,817,999,000 | 1 | $ 21,000 |
| First Place Bank 185 EAST MARKET WARREN, OH 44481 |
* | $ 3,245,297,000 | 1 | $ 60,000 |
| Thrivent Financial Bank 122 EAST COLLEGE AVE., SUITE 1E APPLETON, WI 54911 |
* | $ 548,648,000 | 1 | $ 93,000 |
| Nicolet National Bank 111 N WASHINGTON ST GREEN BAY, WI 54301 |
* | $ 657,127,000 | 1 | $ 100,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 260,309,849,000 | 1 | $ 62,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 1 | $ 79,000 |
| Capwest Mortgage Corporation 14231 METCALF AVE. STE. 200 OVERLAND PARK, KS 66223 |
* | $ 629,176,000 | 1 | $ 280,000 |
| Citifinancial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 1 | $ 16,000 |
| Lake City Bank P.O. BOX 1387 WARSAW, IN 46581 |
* | $ 2,570,371,000 | 1 | $ 120,000 |
| M&I Marshall & Ilsley Bank W57N14280 DOERR WAY CEDARBURG, WI 53012 |
* | $ 50,253,578,000 | 1 | $ 51,000 |
The tables below break down 2010 mortgage applications in Houghton 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 Houghton County, MI in 2010
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 | 537 | $64,288,000 | $119,000 | $437,000 | $88,000 | $9,240,000 |
| Home Purchase | 194 | $18,301,000 | $94,000 | $296,000 | $68,000 | $823,000 |
| Home Improvement | 41 | $4,149,000 | $101,000 | $680,000 | $65,000 | $175,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 669 | $75,560,000 | $112,000 | $680,000 | $85,000 | $9,240,000 |
| Not Provided | 59 | $6,142,000 | $104,000 | $341,000 | $69,000 | $227,000 |
| Not applicable | 22 | $2,287,000 | $103,000 | $205,000 | $12,000 | $188,000 |
| Asian | 14 | $2,062,000 | $147,000 | $362,000 | $94,000 | $270,000 |
| Hispanic | 5 | $495,000 | $99,000 | $126,000 | $62,000 | $76,000 |
| American Indian or Alaskan Native | 2 | $137,000 | $68,000 | $84,000 | $15,000 | $30,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $55,000 | $55,000 | $55,000 | $52,000 | $52,000 |
| Black or African American | 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) | 666 | $76,218,000 | $114,000 | $680,000 | $87,000 | $9,240,000 |
| FHA-insured (Federal Housing Administration) | 62 | $6,372,000 | $102,000 | $277,000 | $55,000 | $251,000 |
| VA-guaranteed (Veterans Administration) | 23 | $2,726,000 | $118,000 | $215,000 | $43,000 | $158,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 21 | $1,422,000 | $67,000 | $167,000 | $30,000 | $70,000 |
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 | 518 | $59,599,000 | $115,000 | $680,000 | $93,000 | $9,240,000 |
| Application Denied By Financial Institution | 111 | $10,811,000 | $97,000 | $412,000 | $52,000 | $227,000 |
| Application Withdrawn By Applicant | 58 | $6,885,000 | $118,000 | $417,000 | $85,000 | $263,000 |
| Loan Purchased By The Institution | 57 | $6,283,000 | $110,000 | $343,000 | $46,000 | $320,000 |
| Application Approved But Not Accepted | 18 | $1,906,000 | $105,000 | $239,000 | $60,000 | $125,000 |
| File Closed For Incompleteness | 10 | $1,254,000 | $125,000 | $286,000 | $89,000 | $250,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 25 | $3,665,000 | $146,000 | $412,000 | $42,000 | $122,000 |
| Collateral | 22 | $2,646,000 | $120,000 | $251,000 | $77,000 | $227,000 |
| Other | 17 | $1,216,000 | $71,000 | $180,000 | $53,000 | $130,000 |
| Credit History | 10 | $520,000 | $52,000 | $115,000 | $51,000 | $125,000 |
| Credit Application Incomplete | 5 | $561,000 | $112,000 | $130,000 | $23,000 | $82,000 |
| Employment History | 2 | $210,000 | $105,000 | $129,000 | $31,000 | $33,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $53,000 | $53,000 | $53,000 | $34,000 | $34,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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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