Houghton County, MI Mortgage Lenders & HMDA Data, 2013
In 2013, lenders reported 651 mortgage applications in Houghton County, MI totaling $68.6 million, down 17% from 2012. The average application was for $105,000, and applicants reported an average income of $67,000. 65% of applications resulted in an originated loan and 16% were denied. The most active lender was Associated Bank NA, with 135 applications, followed by Incrediblebank and Wells Fargo 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 | 651 |
| Total Mortgage Loan Application Amount | $68,566,000 |
| Average Mortgage Loan Application Amount | $105,000 |
| Highest Mortgage Loan Application Amount | $707,000 |
| Average Applicant Income | $67,000 |
| Highest Applicant Income | $1,080,000 |
* 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 |
|---|---|---|---|---|
| Associated Bank NA 200 NORTH ADAMS STREET GREEN BAY, WI 54301 |
* | $ 23,260,580,000 | 135 | $ 14,983,000 |
| Incrediblebank 327 N 17TH AVE WAUSAU, WI 54401 |
* | $ 995,980,000 | 111 | $ 11,548,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,266,125,000,000 | 106 | $ 10,348,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,896,773,000,000 | 38 | $ 2,967,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,313,401,000,000 | 24 | $ 1,665,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,474,077,383,000 | 17 | $ 1,691,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 15 | $ 933,000 |
| Firstmerit Bank NA III CASCADE PLAZA - CAS46 AKRON, OH 44308 |
* | $ 14,901,417,000 | 12 | $ 698,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 58,597,476,000 | 11 | $ 1,221,000 |
| Midwest Loan Solutions, Inc. 29777 TELEGRAPH RD. SUITE 3580 SOUTHFIELD, MI 48034 |
* | $ 46,200,000 | 11 | $ 1,271,000 |
| Mortgage Center Lc 26555 EVERGREEN RD SUITE 900 SOUTHFIELD, MI 48076 |
* | $ 30,000,000 | 7 | $ 427,000 |
| Stonegate Mortgage Corporation 9190 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 |
* | $ 10,000,000 | 6 | $ 837,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 15,532,278,000 | 6 | $ 697,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 5 | $ 897,000 |
| Greenstone Farm Credit Services 3515 WEST RD EAST LANSING, MI 48823 |
* | $ 10,000,000 | 5 | $ 474,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 4 | $ 285,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 4 | $ 644,000 |
| Member Advantage Mortgage 3330 BROADMOOR SE, SUITE B GRAND RAPIDS, MI 49512 |
* | $ 8,810,000 | 4 | $ 335,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 345,088,616,000 | 4 | $ 905,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 119,444,656,000 | 3 | $ 316,000 |
| Discover Home Loans, Inc. 173 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 73,491,315,000 | 3 | $ 505,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 3 | $ 255,000 |
| Gfs Capital 6499 HAVENWOOD CIRCLE HUNTINGTON BEACH, CA 92648 |
* | $ 10,000,000 | 3 | $ 278,000 |
| Mortgage Investors Corp 6090 CENTRAL AVE ST. PETERSBURG, FL 33707 |
* | $ 10,000,000 | 3 | $ 342,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 3 | $ 243,000 |
| Berkadia Commercial Mortgage 323 NORRISTOWN ROAD SUITE 300 AMBLER, PA 19002 |
* | $ 1,173,139,000 | 2 | $ 1,257,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 2 | $ 257,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ 1,000,000,000 | 2 | $ 118,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ 11,000,000 | 2 | $ 189,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ 3,125,000 | 2 | $ 127,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 2 | $ 310,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 2 | $ 179,000 |
| Firstmerit Mortgage Corp 4455 HILLS AND DALES RD. NW - MTG80 CANTON, OH 44708 |
* | $ 6,000,000,000 | 2 | $ 134,000 |
| Fifth Third Mortgage, Mi LLC 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 48,969,000 | 2 | $ 305,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 169,076,807,000 | 2 | $ 239,000 |
| Chemical Bank 333 E MAIN STREET MIDLAND, MI 48640 |
* | $ 5,904,498,000 | 2 | $ 199,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 2 | $ 126,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 52,436,123,000 | 2 | $ 24,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 295,026,390,000 | 2 | $ 131,000 |
| CIBC Bank USA 120 SOUTH LASALLE CHICAGO, IL 60602 |
* | $ 14,025,614,000 | 2 | $ 515,000 |
| Baxter Credit Union 340 N MILWAUKEE AVE 340 N MILWAUKEE AVE, IL 60061 |
* | $ 1,778,826,000 | 2 | $ 193,000 |
| Mortgage 1 Incorporated 43456 MOUND ROAD STERLING HEIGHTS, MI 48314 |
* | $ 9,135,000 | 1 | $ 254,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ 4,410,000 | 1 | $ 214,000 |
| Independent Bank 4200 EAST BELTLINE GRAND RAPIDS, MI 49525 |
* | $ 2,021,254,000 | 1 | $ 32,000 |
| Arvest Mortgage Company 931 W MONROE LOWELL, AR 72745 |
* | $ 13,199,987,000 | 1 | $ 280,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 18,212,833,000 | 1 | $ 76,000 |
| Charles Schwab Bank, SSB LONE TREE, CO 80124 |
* | $ 85,810,000,000 | 1 | $ 188,000 |
| UBS Bank USA 299 S. MAIN ST SALT LAKE CITY, UT 84111 |
* | $ 47,738,052,000 | 1 | $ 221,000 |
| Ally Bank 2101 REXFORD ROAD, SUITE 350W CHARLOTTE, NC 28211 |
* | $ 94,795,926,000 | 1 | $ 331,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 104,823,994,000 | 1 | $ 326,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 1 | $ 135,000 |
| One Reverse Mortgage, LLC 4445 EASTGATE MALL, SUITE 320 SAN DIEGO, CA 92121 |
* | $ 39,000,000 | 1 | $ 34,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 1 | $ 85,000 |
| The Shelby State Bank 242 N MICHIGAN AVE SHELBY, MI 49455 |
* | $ 222,753,000 | 1 | $ 71,000 |
| Chippewa Valley Bank 15755 W COUNTY ROAD B HAYWARD, WI 54843 |
* | $ 285,877,000 | 1 | $ 144,000 |
| University Bank 2015 WASHTENAW AVE ANN ARBOR, MI 48104 |
* | $ 134,003,000 | 1 | $ 399,000 |
| Liberty Home Equity Solutions, Inc. 10951 WHITE ROCK ROAD, SUITE 200 RANCHO CORDOVA, CA 95670 |
* | $ 60,629,000 | 1 | $ 20,000 |
| Equity Prime Mortgage LLC 5 CONCOURSE PKWY, STE 2250 ATLANTA, GA 30328 |
* | $ 603,000 | 1 | $ 79,000 |
| Roundpoint Mortgage Company 5032 PARKWAY PLAZA BLVD, STE 200 CHARLOTTE, NC 28278 |
* | $ 10,000,000 | 1 | $ 160,000 |
| Neighborhood Mortgage Solutions, LLC PO BOX 209 544 N MAIN ST FRANKENMUTH, MI 48734 |
* | $ 77,551,000 | 1 | $ 50,000 |
| Diamond Residential Mtg Corp 582 OAKWOOD AVE LAKE FOREST, IL 60045 |
* | $ 12,837,000 | 1 | $ 81,000 |
| American Internet Mortgage, Inc. 4121 CAMINO DEL RIO SOUTH SAN DIEGO, CA 92108 |
* | $ 10,000,000 | 1 | $ 107,000 |
| Wyndham Capital Mortgage, Inc. 6115 PARK SOUTH DRIVE, STE 200 RALEIGH, NC 28210 |
* | $ 10,000,000 | 1 | $ 178,000 |
| Gold Star Mortgage Financial Group, Corporation 2350 GREEN ROAD SUITE 100B ANN ARBOR, MI 48105 |
* | $ 10,000,000 | 1 | $ 37,000 |
| First Century Bank, National Association 807 DORSEY ST GAINESVILLE, GA 30501 |
* | $ 78,379,000 | 1 | $ 200,000 |
| UBS Ag, Tampa Branch 3000 BAYPORT TAMPA, FL 33607 |
* | $ 33,878,000 | 1 | $ 120,000 |
| North American Savings Bank 12498 S 71 HIGHWAY GRANDVIEW, MO 64030 |
* | $ 1,232,230,000 | 1 | $ 204,000 |
| Fidelity Bank 100 E ENGLISH WICHITA, KS 67202 |
* | $ 1,595,673,000 | 1 | $ 24,000 |
| Colonial Savings P O BOX 2988 FORT WORTH, TX 76102 |
* | $ 1,105,077,000 | 1 | $ 117,000 |
| Banc of California, NA 18500 VON KARMAN AVENUE SUITE 1100 IRVINE, CA 92612 |
* | $ 1,369,414,000 | 1 | $ 150,000 |
| First State Bank Mortgage Co 24300 LITTLE MACK ST CLAIR SHORES, MI 48080 |
* | $ 11,056,000 | 1 | $ 76,000 |
| Dfcu Financial 400 TOWN CENTER DRIVE DEARBORN, MI 48121 |
* | $ 3,364,336,000 | 1 | $ 180,000 |
| Aac Credit Union 904 BROADWAY NW GRAND RAPIDS, MI 49504 |
* | $ 81,300,000 | 1 | $ 50,000 |
| Cole Taylor Bank 9550 W HIGGINS RAOD ROSEMONT, IL 60018 |
* | $ 5,784,213,000 | 1 | $ 77,000 |
The tables below break down 2013 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 2013
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 | 417 | $45,990,000 | $110,000 | $707,000 | $67,000 | $684,000 |
| Home Purchase | 182 | $19,027,000 | $104,000 | $399,000 | $69,000 | $1,080,000 |
| Home Improvement | 52 | $3,549,000 | $68,000 | $255,000 | $65,000 | $172,000 |
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 | 544 | $55,604,000 | $102,000 | $417,000 | $68,000 | $684,000 |
| Not Provided | 46 | $5,388,000 | $117,000 | $400,000 | $67,000 | $279,000 |
| Not applicable | 33 | $3,742,000 | $113,000 | $707,000 | $28,000 | $110,000 |
| Asian | 14 | $2,383,000 | $170,000 | $399,000 | $159,000 | $1,080,000 |
| Hispanic | 5 | $422,000 | $84,000 | $135,000 | $74,000 | $155,000 |
| American Indian or Alaskan Native | 5 | $553,000 | $110,000 | $193,000 | $67,000 | $140,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $372,000 | $186,000 | $186,000 | $25,000 | $51,000 |
| Black or African American | 2 | $102,000 | $51,000 | $57,000 | $49,000 | $50,000 |
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) | 529 | $55,789,000 | $105,000 | $417,000 | $75,000 | $1,080,000 |
| FHA-insured (Federal Housing Administration) | 49 | $5,461,000 | $111,000 | $707,000 | $24,000 | $116,000 |
| VA-guaranteed (Veterans Administration) | 43 | $5,054,000 | $117,000 | $261,000 | $44,000 | $130,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 30 | $2,262,000 | $75,000 | $186,000 | $33,000 | $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 | 422 | $45,310,000 | $107,000 | $707,000 | $70,000 | $678,000 |
| Application Denied By Financial Institution | 107 | $10,944,000 | $102,000 | $395,000 | $69,000 | $1,080,000 |
| Loan Purchased By The Institution | 65 | $5,669,000 | $87,000 | $320,000 | $38,000 | $118,000 |
| Application Withdrawn By Applicant | 24 | $2,636,000 | $109,000 | $400,000 | $106,000 | $684,000 |
| Application Approved But Not Accepted | 20 | $2,535,000 | $126,000 | $399,000 | $55,000 | $111,000 |
| File Closed For Incompleteness | 13 | $1,472,000 | $113,000 | $220,000 | $60,000 | $129,000 |
| 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 | 30 | $3,095,000 | $103,000 | $335,000 | $79,000 | $225,000 |
| Other | 16 | $1,668,000 | $104,000 | $284,000 | $31,000 | $96,000 |
| Debt-To-Income Ratio | 12 | $1,464,000 | $122,000 | $260,000 | $45,000 | $96,000 |
| Credit History | 11 | $456,000 | $41,000 | $113,000 | $45,000 | $141,000 |
| Credit Application Incomplete | 9 | $1,442,000 | $160,000 | $265,000 | $190,000 | $1,080,000 |
| Unverifiable Information | 7 | $805,000 | $115,000 | $304,000 | $83,000 | $150,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $114,000 | $114,000 | $114,000 | $35,000 | $35,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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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