Houghton County, MI Mortgage Lenders & HMDA Data, 2012
In 2012, lenders reported 785 mortgage applications in Houghton County, MI totaling $84.6 million, up 22% from 2011. The average application was for $107,000, and applicants reported an average income of $69,000. 67% of applications resulted in an originated loan and 15% were denied. The most active lender was Incrediblebank, with 162 applications, followed by Wells Fargo Bank NA and Associated 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 | 785 |
| Total Mortgage Loan Application Amount | $84,588,000 |
| Average Mortgage Loan Application Amount | $107,000 |
| Highest Mortgage Loan Application Amount | $761,000 |
| Average Applicant Income | $69,000 |
| Highest Applicant Income | $432,000 |
* 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 |
|---|---|---|---|---|
| Incrediblebank 327 N 17TH AVE WAUSAU, WI 54401 |
* | $ 984,440,000 | 162 | $ 18,909,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,161,490,000,000 | 154 | $ 14,842,000 |
| Associated Bank NA 200 NORTH ADAMS STREET GREEN BAY, WI 54301 |
* | $ 21,715,012,000 | 137 | $ 15,583,000 |
| Midwest Loan Solutions, Inc. 29777 TELEGRAPH RD. SUITE 3580 SOUTHFIELD, MI 48034 |
* | $ 46,200,000 | 57 | $ 6,468,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,811,678,000,000 | 38 | $ 3,492,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,288,658,000,000 | 34 | $ 2,821,000 |
| Citizens Bank 328 S SAGINAW ST FLINT, MI 48502 |
* | $ 9,212,296,000 | 25 | $ 1,172,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 19 | $ 1,411,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 52,181,685,000 | 12 | $ 1,520,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 11 | $ 1,067,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,459,157,302,000 | 7 | $ 738,000 |
| Farmers Bank and Trust NA 1017 HARRISON GREAT BEND, KS 67530 |
* | $ 648,887,000 | 7 | $ 1,051,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 14,736,579,000 | 6 | $ 728,000 |
| Ally Bank 2101 REXFORD ROAD, SUITE 350W CHARLOTTE, NC 28211 |
* | $ 85,381,954,000 | 5 | $ 749,000 |
| Mbank 130 S CEDAR ST MANISTIQUE, MI 49854 |
* | $ 498,255,000 | 5 | $ 305,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 46,925,466,000 | 4 | $ 195,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 4 | $ 456,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 330,470,810,000 | 3 | $ 516,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 3 | $ 479,000 |
| Mortgage Center Lc 26555 EVERGREEN RD SUITE 900 SOUTHFIELD, MI 48076 |
* | $ 30,000,000 | 3 | $ 146,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 2 | $ 184,000 |
| E*Trade Savings Bank 671 N. GLEBE RD 12TH FLOOR ARLINGTON, VA 22203 |
* | $ 1,677,184,000 | 2 | $ 171,000 |
| Proficio Bank 6985 UNION PARK CENTER, SUITE 150 COTTONWOOD HEIGHTS, UT 84047 |
* | $ 142,947,000 | 2 | $ 198,000 |
| UBS Ag, Tampa Branch 3000 BAYPORT TAMPA, FL 33607 |
* | $ 1,400,000,000 | 2 | $ 227,000 |
| Arbor Mortgage Corporation 2311 EAST BELTLINE AVE SE 200 GRAND RAPIDS, MI 49546 |
* | $ 15,555,000 | 2 | $ 312,000 |
| Mortgage Investors Corp 6090 CENTRAL AVE ST. PETERSBURG, FL 33707 |
* | $ 10,000,000 | 2 | $ 323,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 2 | $ 210,000 |
| Home Loan Center, Inc. 11115 RUSHMORE DRIVE CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 2 | $ 229,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 13,623,469,000 | 2 | $ 258,000 |
| PHH Home Loans, LLC 1 MORTGAGE WAY 2ND FLOOR MT LAUREL, NJ 08054 |
* | $ 4,597,939,000 | 1 | $ 338,000 |
| Primary Residential Mortgage, Inc. 1480 N 2200 W SALT LAKE CITY, UT 84116 |
* | $ 242,587,000 | 1 | $ 154,000 |
| BMO Harris Bank NA 111 W. MONROE CHICAGO, IL 60606 |
* | $ 97,264,044,000 | 1 | $ 147,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 76,887,082,000 | 1 | $ 199,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 15,056,671,000 | 1 | $ 43,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 106,940,591,000 | 1 | $ 330,000 |
| Greenstone Farm Credit Services 3515 WEST RD EAST LANSING, MI 48823 |
* | $ 10,000,000 | 1 | $ 405,000 |
| Amerifirst Financial Corporation 950 TRADE CENTRE WAY SUITE 400 KALAMAZOO, MI 49009 |
* | $ 10,000,000 | 1 | $ 39,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ 10,000,000 | 1 | $ 211,000 |
| Neighborhood Mortgage Solutions, LLC PO BOX 209 544 N MAIN ST FRANKENMUTH, MI 48734 |
* | $ 77,551,000 | 1 | $ 45,000 |
| Consumer Loan Services, LLC 811 MONITOR STREET LA CROSSE, WI 54603 |
* | $ 10,000,000 | 1 | $ 160,000 |
| Cashcall, Inc. 1 CITY BLVD WEST SUITE 1000 ORANGE, CA 92868 |
* | $ 10,000,000 | 1 | $ 290,000 |
| Homeward Residential, Inc. 16675 ADDISON ROAD ADDISON, TX 75001 |
* | $ 3,809,880,000 | 1 | $ 100,000 |
| Gold Star Mortgage Financial Group, Corporation 2350 GREEN ROAD SUITE 100B ANN ARBOR, MI 48105 |
* | $ 10,000,000 | 1 | $ 163,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 1 | $ 60,000 |
| Michigan Mutual, Inc 911 MILITARY STREET PORT HURON, MI 48060 |
* | $ 35,000,000,000 | 1 | $ 119,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ 4,410,000 | 1 | $ 75,000 |
| Provident Funding Associates 1235 NORTH DUTTON AVE STE E SANTA ROSA, CA 95401 |
* | $ 10,000,000 | 1 | $ 170,000 |
| First Federal Bank 4705 US HWY 90 W LAKE CITY, FL 32055 |
* | $ 978,405,000 | 1 | $ 60,000 |
| First Place Bank 185 EAST MARKET WARREN, OH 44481 |
* | $ 2,716,563,000 | 1 | $ 75,000 |
| Bank Mutual 4949 W BROWN DEER RD MILWAUKEE, WI 53224 |
* | $ 2,497,000,000 | 1 | $ 213,000 |
| Johnson Bank 555 MAIN STREET SUITE 490 RACINE, WI 53403 |
* | $ 4,144,525,000 | 1 | $ 66,000 |
| Purdue Federal CU 1551 WIN HENTSCHEL BLVD., PO BOX 2433 WEST LAFAYETTE, IN 47906 |
* | $ 699,615,000 | 1 | $ 62,000 |
| Msu Federal Credit Union 3777 WEST ROAD EAST LANSING, MI 48823 |
* | $ 2,135,169,000 | 1 | $ 87,000 |
| Chippewa Valley Bank 15755 W COUNTY ROAD B HAYWARD, WI 54843 |
* | $ 248,087,000 | 1 | $ 108,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 2,123,880,000 | 1 | $ 35,000 |
| University Lending Group, LLC 42452 HAYES, STE I CLLINTON TOWNSHIP, MI 48038 |
* | $ 133,851,000 | 1 | $ 150,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 263,309,559,000 | 1 | $ 25,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 168,867,640,000 | 1 | $ 213,000 |
| Gmac Mortgage, LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 1 | $ 199,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 171,291,705,000 | 1 | $ 32,000 |
| Woodtrust Bank, N.A. 181 2ND ST S, PO BOX 8000 WISCONSIN RAPIDS, WI 54495 |
* | $ 331,215,000 | 1 | $ 103,000 |
| First National Bank of America 241 EAST SAGINAW EAST LANSING, MI 48823 |
* | $ 569,541,000 | 1 | $ 5,000 |
| Rbc Bank (Georgia), N.A. 8081 ARCO CORPORATE DRIVE RALEIGH, NC 27617 |
* | $ 291,219,000 | 1 | $ 171,000 |
| First Century Bank, National Association 807 DORSEY ST GAINESVILLE, GA 30501 |
* | $ 69,289,000 | 1 | $ 213,000 |
| First Independence Bank 7310 WOODWARD AVE SUITE 101 DETROIT, MI 48202 |
* | $ 165,219,000 | 1 | $ 89,000 |
| Covantage Credit Union 723 6TH AVE, PO BOX 107 ANTIGO, WI 54409 |
* | $ 944,232,000 | 1 | $ 30,000 |
| American First Credit Union 6 POINTE DRIVE, STE 400 BREA, CA 92821 |
* | $ 513,595,000 | 1 | $ 93,000 |
| Wings Financial Credit Union 14985 GLAZIER AVENUE APPLE VALLEY, MN 55124 |
* | $ 3,393,499,000 | 1 | $ 197,000 |
| One Reverse Mortgage, LLC 4445 EASTGATE MALL, SUITE 320 SAN DIEGO, CA 92121 |
* | $ 39,000,000 | 1 | $ 182,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ 3,125,000 | 1 | $ 84,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 1 | $ 61,000 |
The tables below break down 2012 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 2012
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 | 555 | $62,796,000 | $113,000 | $405,000 | $73,000 | $432,000 |
| Home Purchase | 157 | $15,376,000 | $97,000 | $338,000 | $58,000 | $209,000 |
| Home Improvement | 73 | $6,416,000 | $87,000 | $761,000 | $66,000 | $264,000 |
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 | 670 | $70,389,000 | $105,000 | $400,000 | $68,000 | $432,000 |
| Not Provided | 41 | $5,527,000 | $134,000 | $761,000 | $69,000 | $253,000 |
| Not applicable | 39 | $4,101,000 | $105,000 | $251,000 | $56,000 | $205,000 |
| Asian | 20 | $2,766,000 | $138,000 | $213,000 | $109,000 | $349,000 |
| Hispanic | 6 | $1,117,000 | $186,000 | $405,000 | $176,000 | $241,000 |
| American Indian or Alaskan Native | 5 | $347,000 | $69,000 | $108,000 | $33,000 | $82,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $278,000 | $92,000 | $190,000 | $53,000 | $120,000 |
| Black or African American | 1 | $63,000 | $63,000 | $63,000 | $46,000 | $46,000 |
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) | 677 | $73,363,000 | $108,000 | $761,000 | $75,000 | $432,000 |
| VA-guaranteed (Veterans Administration) | 43 | $5,580,000 | $129,000 | $273,000 | $34,000 | $120,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 34 | $2,498,000 | $73,000 | $154,000 | $35,000 | $175,000 |
| FHA-insured (Federal Housing Administration) | 31 | $3,147,000 | $101,000 | $229,000 | $31,000 | $108,000 |
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 | 524 | $59,381,000 | $113,000 | $761,000 | $74,000 | $432,000 |
| Application Denied By Financial Institution | 114 | $10,447,000 | $91,000 | $400,000 | $53,000 | $348,000 |
| Loan Purchased By The Institution | 61 | $5,449,000 | $89,000 | $213,000 | $50,000 | $224,000 |
| Application Withdrawn By Applicant | 43 | $4,807,000 | $111,000 | $394,000 | $73,000 | $349,000 |
| Application Approved But Not Accepted | 35 | $3,747,000 | $107,000 | $252,000 | $68,000 | $150,000 |
| File Closed For Incompleteness | 8 | $757,000 | $94,000 | $170,000 | $78,000 | $232,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 22 | $2,521,000 | $114,000 | $290,000 | $61,000 | $150,000 |
| Debt-To-Income Ratio | 18 | $2,705,000 | $150,000 | $400,000 | $44,000 | $121,000 |
| Credit History | 13 | $903,000 | $69,000 | $183,000 | $99,000 | $348,000 |
| Credit Application Incomplete | 8 | $581,000 | $72,000 | $127,000 | $17,000 | $44,000 |
| Other | 8 | $674,000 | $84,000 | $159,000 | $72,000 | $153,000 |
| Employment History | 4 | $235,000 | $58,000 | $74,000 | $44,000 | $77,000 |
| Unverifiable Information | 3 | $373,000 | $124,000 | $200,000 | $85,000 | $112,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $79,000 | $39,000 | $54,000 | $38,000 | $43,000 |
| 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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