Kalkaska County, MI Mortgage Lenders & HMDA Data, 2011

In 2011, lenders reported 613 mortgage applications in Kalkaska County, MI totaling $72.9 million, down 1% from 2010. The average application was for $118,000, and applicants reported an average income of $87,000. 43% of applications resulted in an originated loan and 27% were denied. The most active lender was JPMorgan Chase Bank, NA, with 87 applications, followed by Huntington National Bank and Wells Fargo Bank NA.

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Total Number of Mortgage Applications 613
Total Mortgage Loan Application Amount $72,860,000
Average Mortgage Loan Application Amount $118,000
Highest Mortgage Loan Application Amount $463,000
Average Applicant Income $87,000
Highest Applicant Income $1,900,000

Mortgage Company List for Lending in Kalkaska County, MI for 2011

* 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
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 1,791,060,000,000 87 $ 10,535,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ 52,799,993,000 85 $ 8,912,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,104,833,000,000 42 $ 4,964,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,454,050,584,000 39 $ 4,609,000
Fifth Third Bank
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ 108,668,289,000 32 $ 2,984,000
Fifth Third Mortgage, Mi LLC
5001 KINGSLEY DRIVE MD 1MOB2W
CINCINNATI, OH 45227
* $ 48,969,000 25 $ 3,567,000
Fifth Third Mortgage Company
5001 KINGSLEY DRIVE MD 1MOB2W
CINCINNATI, OH 45227
* $ 108,971,662,000 20 $ 2,445,000
Ally Bank
2101 REXFORD ROAD, SUITE 350W
CHARLOTTE, NC 28211
* $ 77,423,723,000 16 $ 1,846,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 254,825,730,000 14 $ 1,513,000
Neighborhood Mortgage Solutions, LLC
PO BOX 209 544 N MAIN ST
FRANKENMUTH, MI 48734
* $ 77,551,000 14 $ 1,090,000
First Place Bank
185 EAST MARKET
WARREN, OH 44481
* $ 3,162,456,000 12 $ 2,399,000
Chemical Bank
333 E MAIN STREET
MIDLAND, MI 48640
* $ 5,237,745,000 8 $ 989,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 8 $ 1,532,000
Flagstar Bank NA

TROY, MI 49098
* $ 12,648,357,000 8 $ 1,069,000
Michigan Mutual, Inc
911 MILITARY STREET
PORT HURON, MI 48060
* $ 35,000,000,000 7 $ 1,060,000
Member First Mortgage, LLC
616 44TH STREET SE
GRAND RAPIDS, MI 49548
* $ 11,800,000 7 $ 434,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ 1,019,497,000,000 7 $ 1,272,000
Citizens Bank
328 S SAGINAW ST
FLINT, MI 48502
* $ 9,709,977,000 6 $ 819,000
Gmac Mortgage, LLC
1100 VIRGINIA DRIVE
FT. WASHINGTON, PA 19034
* $ 31,000,000 5 $ 561,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 153,341,765,000 5 $ 873,000
Independent Bank
4200 EAST BELTLINE
GRAND RAPIDS, MI 49525
* $ 2,536,098,000 5 $ 805,000
Mortgage Investors Corp
6090 CENTRAL AVE
ST. PETERSBURG, FL 33707
* $ 10,000,000 5 $ 566,000
Greenstone Farm Credit Services
3515 WEST RD
EAST LANSING, MI 48823
* $ 10,000,000 4 $ 385,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ 10,000,000 4 $ 760,000
Staunton Financial Inc
25800 NORTHWESTERN HIGHWAY SUITE 110
SOUTHFIELD, MI 48076
* $ 10,000,000 4 $ 385,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,216,291,000,000 4 $ 872,000
Wells Fargo Funding, Inc
100 N MAIN STREEET MAC D4001-063
WINSTON-SALEM, NC 27150
* $ 25,457,000 4 $ 580,000
Lake Michigan Credit Union
PO BOX 2848
GRAND RAPIDS, MI 49501
* $ 2,163,220,000 4 $ 487,000
Mortgage Center Lc
26555 EVERGREEN RD SUITE 900
SOUTHFIELD, MI 48076
* $ 30,000,000 3 $ 271,000
Msu Federal Credit Union
3777 WEST ROAD
EAST LANSING, MI 48823
* $ 1,962,910,000 3 $ 191,000
Wildfire Credit Union
6640 BAY RD
SAGINAW, MI 48605
* $ 609,242,000 3 $ 261,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 15,104,501,000 3 $ 350,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 12,522,585,000 3 $ 407,000
Amerifirst Financial Corporati
616 WEST CENTRE AVENUE
PORTAGE, MI 49024
* $ 10,000,000 3 $ 221,000
First National Bank of America
241 EAST SAGINAW
EAST LANSING, MI 48823
* $ 467,975,000 3 $ 111,000
Home Loan Center, Inc.
11115 RUSHMORE DRIVE
CHARLOTTE, NC 28277
* $ 10,000,000 3 $ 329,000
Arbor Mortgage Corporation
2311 EAST BELTLINE AVE SE 200
GRAND RAPIDS, MI 49546
* $ 15,555,000 3 $ 258,000
Towne Mortgage Company
888 WEST BIG BEAVER ROAD SUITE 310
TROY, MI 48084
* $ 35,475,880,000 2 $ 254,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ 10,000,000 2 $ 55,000
Mms Mortgage Services, Ltd.
38275 TWELVE MILE RD., SUITE 100
FARMINGTON HILLS, MI 48331
* $ 5,598,000 2 $ 208,000
Mortgage 1 Incorporated
43456 MOUND ROAD
STERLING HEIGHTS, MI 48314
* $ 9,135,000 2 $ 155,000
Guardian Mortgage Company, Inc
100 N. CENTRAL EXPRESSWAY SUITE 190
RICHARDSON, TX 75083
* $ 10,000,000 2 $ 254,000
Comerica Bank

FARMINGTON HILLS, MI 48331
* $ 54,071,375,000 2 $ 326,000
Metlife Bank, N.A.
1555 WEST WALNUT HILL LANE, STE. 200
IRVING, TX 75038
* $ 16,490,790,000 2 $ 103,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 109,283,991,000 2 $ 159,000
Nycb Mortgage Company, LLC
1801 EAST 9TH STREET
CLEVELAND, OH 44114
* $ 75,001,000 2 $ 284,000
CIBC Bank USA
120 SOUTH LASALLE
CHICAGO, IL 60602
* $ 12,085,410,000 2 $ 351,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 48,783,813,000 2 $ 254,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 310,099,589,000 2 $ 227,000
Farmers Bank and Trust NA
1017 HARRISON
GREAT BEND, KS 67530
* $ 665,875,000 2 $ 238,000
Admirals Bank
15 PARK ROW WEST
PROVIDENCE, RI 02903
* $ 341,542,000 2 $ 10,000
Dow Credit Union
600 E. LYON ROAD P.O. BOX 1649
MIDLAND, MI 48641
* $ 1,350,354,000 2 $ 285,000
Community Financial Credit Uni
PO BOX 8050
PLYMOUTH, MI 48170
* $ 457,006,000 2 $ 330,000
Talmer Bank and Trust
2301 W. BIG BEAVER RD., SUITE 200
TROY, MI 48084
* $ 1,691,253,000 2 $ 190,000
Vibe
44575 W 12 MILE
NOVI, MI 48377
* $ 457,645,000 2 $ 85,000
Wmcu
1319 FRONT AVE NW
GRAND RAPIDS, MI 49504
* $ 112,332,000 1 $ 125,000
Success Mortgage Partners, Inc
1200 S. SHELDON RD.
PLYMOUTH, MI 48170
* $ 1,912,000 1 $ 59,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ 10,000,000 1 $ 106,000
First Choice Bank
669 WHITEHEAD ROAD
LAWRENCEVILLE, NJ 08648
* $ 448,171,000 1 $ 120,000
First State Mortgage Services
502 N HERSHEY ROAD
BLOOMINGTON, IL 61704
* $ 327,995,000 1 $ 59,000
Guaranty Trust Company
316 ROBERT ROSE DRIVE
MURFREESBORO, TN 37129
* $ 225,000,000 1 $ 173,000
Lafcu
106 N MARKETPLACE BLVD
LANSING, MI 48917
* $ 501,616,000 1 $ 30,000
Jolt Credit Union
6180 STATE STREET
SAGINAW, MI 48603
* $ 286,500,000 1 $ 143,000
Journey Federal Credit Union
1200 ZEEB DRIVE
ST. JOHNS, MI 48879
* $ 78,847,000 1 $ 36,000
Choiceone Bank
109 E. DIVISION ST.
SPARTA, MI 49345
* $ 478,183,000 1 $ 75,000
Cole Taylor Bank
9550 W HIGGINS RAOD
ROSEMONT, IL 60018
* $ 4,469,196,000 1 $ 190,000
Copoco Community Credit Union
4265 E WILDER RD
BAY CITY, MI 48706
* $ 92,610,000 1 $ 32,000
Consumers Professional Credit Union
525 W WILLOW STREET
LANSING, MI 48906
* $ 71,657,000 1 $ 10,000
Arbor Financial Credit Union
1551 SOUTH 9TH STREET
KALAMAZOO, MI 49009
* $ 341,208,000 1 $ 160,000
Dfcu Financial
400 TOWN CENTER DRIVE
DEARBORN, MI 48121
* $ 2,985,260,000 1 $ 56,000
Lake Trust Credit Union
4605 S OLD US HIGHWAY 23
BRIGHTON, MI 48114
* $ 1,560,662,000 1 $ 69,000
Michigan Schools and Governmen
40400 GARFIELD ROAD
CLINTON TOWNSHIP, MI 48038
* $ 1,048,990,000 1 $ 89,000
Consumers Credit Union
PO BOX 525
KALAMAZOO, MI 49009
* $ 352,828,000 1 $ 75,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 10,788,420,000 1 $ 89,000
Isabella Bank
139 E. BROADWAY
MT PLEASANT, MI 48858
* $ 1,168,698,000 1 $ 160,000
Main Street Bank
31780 TELEGRAPH ROAD, SUITE 100
BINGHAM FARMS, MI 48025
* $ 86,181,000 1 $ 100,000
First Independence Bank
7310 WOODWARD AVE SUITE 101
DETROIT, MI 48202
* $ 183,830,000 1 $ 230,000
The Bank of Holland
150 CENTRAL AVE
HOLLAND, MI 49423
* $ 618,340,000 1 $ 51,000
Hantz Bank
26200 AMERICAN DRIVE, 2ND FLOOR
SOUTHFIELD, MI 48034
* $ 43,034,000 1 $ 227,000
Summit Community Bank
1600 ABBOT RD
EAST LANSING, MI 48823
* $ 155,301,000 1 $ 154,000
Waterford Bank, N.A.
3900 N. MCCORD RD
TOLEDO, OH 43617
* $ 313,518,000 1 $ 295,000
UBS Ag, Tampa Branch
3000 BAYPORT
TAMPA, FL 33607
* $ 1,400,000,000 1 $ 417,000
Wolverine Bank FSB
5710 EASTMAN AVE
MIDLAND, MI 48640
* $ 314,420,000 1 $ 96,000
Premier Bank
601 CLINTON STREET
YOUNGSTOWN, OH 44503
* $ 2,029,891,000 1 $ 42,000
Eaton Community Bank
236 S. COCHRAN AVENUE, P.O. BOX 219
CHARLOTTE, MI 48813
* $ 313,564,000 1 $ 175,000
Suntrust Mortgage, Inc.
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ 162,509,568,000 1 $ 75,000
Thumb National Bank and Trust Company
7254 MICHIGAN AVE., P.O. BOX 560
PIGEON, MI 48755
* $ 218,320,000 1 $ 50,000
Whitney Bank
228 ST CHARLES AVE, SUITE 537
NEW ORLEANS, LA 70130
* $ 14,555,957,000 1 $ 248,000
Ing Bank, FSB
1 SOUTH ORANGE STREET
WILMINGTON, DE 19801
* $ 91,413,704,000 1 $ 93,000
Prospect Mortgage, LLC
15301 VENTURA BLVD SUITE D300
SHERMAN OAKS, CA 91403
* $ 10,000,000 1 $ 170,000
Provident Funding Associates
1235 NORTH DUTTON AVE STE E
SANTA ROSA, CA 95401
* $ 10,000,000 1 $ 173,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ 10,000,000 1 $ 94,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ 10,000,000 1 $ 95,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ 10,000,000 1 $ 122,000
Vandyk Mortgage Corporation
2449 CAMELOT CT SE
GRAND RAPIDS, MI 49546
* $ 10,000,000 1 $ 222,000
Gold Star Mortgage Financial Group, Corporation
2350 GREEN ROAD SUITE 100B
ANN ARBOR, MI 48105
* $ 10,000,000 1 $ 205,000
American Internet Mortgage, Inc.
4121 CAMINO DEL RIO SOUTH
SAN DIEGO, CA 92108
* $ 10,000,000 1 $ 100,000
J.G. Wentworth Home Lending, LLC
3350 COMMISSION COURT
WOODBRIDGE, VA 22192
* $ 10,000,000 1 $ 135,000
Polaris Home Funding Corp.
151 44TH ST. SW
GRANDVILLE, MI 49418
* $ 10,000,000 1 $ 68,000
Finance of America Reverse LLC
8023 EAST 63RD PLACE, SUITE 700
TULSA, OK 74133
* $ 3,125,000 1 $ 31,000
First Residential Mortgage
9721 ORMSBY STATION RD.
LOUISVILLE, KY 40223
* $ 10,000,000 1 $ 114,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ 10,000,000 1 $ 73,000
Home Finance of America
521 PLYMOUTH ROAD, SUITE 112
PLYMOUTH MEETING, PA 19462
* $ 17,371,000 1 $ 165,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ 8,994,122,000 1 $ 143,000

The tables below break down 2011 mortgage applications in Kalkaska 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 Kalkaska County, MI in 2011

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 437 $54,769,000 $125,000 $417,000 $89,000 $1,900,000
Home Purchase 167 $17,745,000 $106,000 $463,000 $82,000 $603,000
Home Improvement 9 $346,000 $38,000 $103,000 $66,000 $202,000

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 525 $61,779,000 $117,000 $463,000 $91,000 $1,900,000
Not Provided 44 $4,651,000 $105,000 $290,000 $79,000 $362,000
Not applicable 34 $5,362,000 $157,000 $417,000 $44,000 $500,000
Hispanic 6 $650,000 $108,000 $227,000 $61,000 $87,000
American Indian or Alaskan Native 2 $125,000 $62,000 $75,000 $58,000 $63,000
Native Hawaiian or Other Pacific Islander 1 $75,000 $75,000 $75,000 $47,000 $47,000
Black or African American 1 $218,000 $218,000 $218,000 $100,000 $100,000
Asian 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) 477 $59,428,000 $124,000 $463,000 $101,000 $1,900,000
FHA-insured (Federal Housing Administration) 87 $8,352,000 $96,000 $233,000 $33,000 $166,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 31 $3,100,000 $100,000 $233,000 $34,000 $61,000
VA-guaranteed (Veterans Administration) 18 $1,980,000 $110,000 $158,000 $62,000 $163,000

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 264 $31,042,000 $117,000 $463,000 $98,000 $1,900,000
Application Denied By Financial Institution 168 $19,251,000 $114,000 $313,000 $79,000 $575,000
Loan Purchased By The Institution 98 $13,127,000 $133,000 $417,000 $66,000 $514,000
Application Withdrawn By Applicant 36 $4,634,000 $128,000 $250,000 $117,000 $590,000
Application Approved But Not Accepted 26 $2,793,000 $107,000 $267,000 $79,000 $423,000
File Closed For Incompleteness 21 $2,013,000 $95,000 $171,000 $58,000 $272,000
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 64 $6,821,000 $106,000 $288,000 $76,000 $331,000
Credit Application Incomplete 40 $5,053,000 $126,000 $313,000 $107,000 $575,000
Credit History 22 $1,821,000 $82,000 $188,000 $53,000 $140,000
Debt-To-Income Ratio 21 $3,127,000 $148,000 $308,000 $73,000 $243,000
Other 7 $629,000 $89,000 $173,000 $61,000 $180,000
Unverifiable Information 3 $400,000 $133,000 $196,000 $96,000 $203,000
Insufficient Cash (Downpayment, Closing Cost) 2 $292,000 $146,000 $175,000 $53,000 $54,000
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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