Kalkaska County, MI Mortgage Lenders & HMDA Data, 2014

In 2014, lenders reported 519 mortgage applications in Kalkaska County, MI totaling $53.5 million, down 23% from 2013. The average application was for $102,000, and applicants reported an average income of $71,000. 49% of applications resulted in an originated loan and 29% were denied. The most active lender was Huntington National Bank, with 68 applications, followed by JPMorgan Chase Bank, NA 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 519
Total Mortgage Loan Application Amount $53,453,000
Average Mortgage Loan Application Amount $102,000
Highest Mortgage Loan Application Amount $598,000
Average Applicant Income $71,000
Highest Applicant Income $1,586,000

Mortgage Company List for Lending in Kalkaska County, MI for 2014

* 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
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ 59,304,805,000 68 $ 5,979,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 1,945,467,000,000 34 $ 3,828,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,373,600,000,000 32 $ 3,647,000
Lake Michigan Credit Union
PO BOX 2848
GRAND RAPIDS, MI 49501
* $ 3,042,240,000 23 $ 3,236,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ 10,000,000 18 $ 1,717,000
Fifth Third Mortgage, Mi LLC
5001 KINGSLEY DRIVE MD 1MOB2W
CINCINNATI, OH 45227
* $ 48,969,000 17 $ 1,953,000
Amerifirst Financial Corporation
950 TRADE CENTRE WAY SUITE 400
KALAMAZOO, MI 49009
* $ 10,000,000 17 $ 1,427,000
Chemical Bank
333 E MAIN STREET
MIDLAND, MI 48640
* $ 6,176,405,000 16 $ 1,485,000
Fifth Third Mortgage Company
5001 KINGSLEY DRIVE MD 1MOB2W
CINCINNATI, OH 45227
* $ 127,428,329,000 15 $ 2,016,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 309,999,678,000 13 $ 1,606,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ 138,031,000 11 $ 1,337,000
Member First Mortgage, LLC
616 44TH STREET SE
GRAND RAPIDS, MI 49548
* $ 11,800,000 11 $ 785,000
Neighborhood Mortgage Solutions, LLC
PO BOX 209 544 N MAIN ST
FRANKENMUTH, MI 48734
* $ 77,551,000 9 $ 683,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,346,747,000,000 9 $ 645,000
Flagstar Bank NA

TROY, MI 49098
* $ 12,648,357,000 9 $ 1,034,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,433,716,000,000 8 $ 862,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ 4,088,336,000 8 $ 907,000
Staunton Financial Inc
25800 NORTHWESTERN HIGHWAY SUITE 110
SOUTHFIELD, MI 48076
* $ 10,000,000 7 $ 655,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ 1,019,497,000,000 6 $ 432,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ 10,000,000 5 $ 429,000
Msu Federal Credit Union
3777 WEST ROAD
EAST LANSING, MI 48823
* $ 2,536,690,000 5 $ 476,000
Fifth Third Bank
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ 127,428,329,000 4 $ 323,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 62,866,954,000 4 $ 291,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ 10,000,000 3 $ 298,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ 10,000,000 3 $ 539,000
Mortgage300 Corporation
10 SE CENTRAL PARKWAY SUITE 325
STUART, FL 34994
* $ 500,000 3 $ 316,000
Firstmerit Bank NA
III CASCADE PLAZA - CAS46
AKRON, OH 44308
* $ 23,864,142,000 3 $ 154,000
Capital One, National Association
7933 PRESTON ROAD
PLANO, TX 75024
* $ 238,482,903,000 3 $ 141,000
Michigan Mutual, Inc
911 MILITARY STREET
PORT HURON, MI 48060
* $ 35,000,000,000 3 $ 226,000
Mortgage 1 Incorporated
43456 MOUND ROAD
STERLING HEIGHTS, MI 48314
* $ 9,135,000 3 $ 317,000
Go Mortgage, LLC

COLUMBUS, OH 43219
* $ 10,000,000 3 $ 314,000
Greenstone Farm Credit Services
3515 WEST RD
EAST LANSING, MI 48823
* $ 10,000,000 3 $ 368,000
Mortgage Center Lc
26555 EVERGREEN RD SUITE 900
SOUTHFIELD, MI 48076
* $ 30,000,000 3 $ 356,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ 10,000,000 3 $ 302,000
Towne Mortgage Company
888 WEST BIG BEAVER ROAD SUITE 310
TROY, MI 48084
* $ 35,475,880,000 2 $ 306,000
Homeward Residential, Inc.
16675 ADDISON ROAD
ADDISON, TX 75001
* $ 3,809,880,000 2 $ 218,000
American Southwest Mortgage Corp.
5900 MOSTELLER DRIVE SUITE 10
OKLAHOMA CITY, OK 73112
* $ 143,000,000 2 $ 208,000
Wildfire Credit Union
6640 BAY RD
SAGINAW, MI 48605
* $ 679,412,000 2 $ 280,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ 10,000,000 2 $ 106,000
Pacific Union Financial, LLC
8900 FREEPORT PKWY, STE 150
IRVING, TX 75063
* $ 40,000,000 2 $ 279,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ 10,000,000 2 $ 233,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ 1,543,699,000 2 $ 194,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ 11,000,000 2 $ 171,000
First National Bank of America
241 EAST SAGINAW
EAST LANSING, MI 48823
* $ 617,585,000 2 $ 80,000
Gold Star Mortgage Financial Group, Corporation
2350 GREEN ROAD SUITE 100B
ANN ARBOR, MI 48105
* $ 10,000,000 2 $ 327,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 2 $ 138,000
Suntrust Bank
P.O. BOX 4418, MAIL CODE 0663
ATLANTA, GA 30302
* $ 171,261,678,000 2 $ 160,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 360,478,278,000 2 $ 216,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 55,502,976,000 2 $ 71,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 179,126,294,000 1 $ 76,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 17,638,918,000 1 $ 99,000
Discover Home Loans, Inc
173 TECHNOLOGY DRIVE
IRVINE, CA 92618
* $ 79,339,664,000 1 $ 116,000
Ditech Mortgage Corp
1100 VIRGINIA DRIVE, SUITE 100
FT. WASHINGTON, PA 19034
* $ 5,720,000 1 $ 147,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ 945,758,000 1 $ 71,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ 10,000,000 1 $ 80,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ 1,825,398,000 1 $ 139,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ 10,000,000 1 $ 104,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ 1,000,000,000 1 $ 117,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ 39,000,000 1 $ 123,000
Roundpoint Mortgage Company
5032 PARKWAY PLAZA BLVD, STE 200
CHARLOTTE, NC 28278
* $ 10,000,000 1 $ 95,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ 100,000,000 1 $ 109,000
Edgewater Bank
321 MAIN STREET
SAINT JOSEPH, MI 49085
* $ 121,457,000 1 $ 94,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 9,596,388,000 1 $ 93,000
Isabella Bank
139 E. BROADWAY
MT PLEASANT, MI 48858
* $ 1,433,762,000 1 $ 39,000
Lakestone Bank & Trust
83 W NEPESSING ST
LAPEER, MI 48446
* $ 311,116,000 1 $ 115,000
United Federal Credit Union
2807 SOUTH STATE ST
ST. JOSEPH, MI 49085
* $ 1,644,015,000 1 $ 91,000
Financial Plus Credit Union
G-3381 VAN SLYKE RD, P.O. BOX 7006
FLINT, MI 48507
* $ 389,622,000 1 $ 100,000
True Community Credit Union
1100 CLINTON RD
JACKSON, MI 49202
* $ 375,270,000 1 $ 284,000
Intouch Credit Union
P O BOX 250169
PLANO, TX 75025
* $ 810,463,000 1 $ 60,000
Genisys Credit Union
2100 EXECUTIVE HILLS BLVD
AUBURN HILLS, MI 48326
* $ 1,542,707,000 1 $ 131,000
County National Bank
ONE SOUTH HOWELL ST
HILLSDALE, MI 49242
* $ 451,550,000 1 $ 65,000
Ifreedom Direct Corporation
124 N. CHARLES LINDBERGH DRIVE
SLC, UT 84116
* $ 10,000,000 1 $ 98,000
Amwest Funding Corp
6 POINTE DRIVE, SUITE 300
BREA, CA 92821
* $ 10,000,000 1 $ 67,000
Sage Home Loans Corporation
1423 RED VENTURES DRIVE SUITE 201
FORT MILL, SC 29707
* $ 39,000,000 1 $ 61,000
Mbank
130 S CEDAR ST
MANISTIQUE, MI 49854
* $ 569,294,000 1 $ 53,000
Farmers Statebank of Munith
201 N MAIN ST
MUNITH, MI 49259
* $ 65,018,000 1 $ 28,000
United Bank Mortgage Corporati
900 EAST PARIS AVE SE
GRAND RAPIDS, MI 49546
* $ 264,000,000 1 $ 82,000
First Community Bank
200 EAST MAIN STREET
HARBOR SPRINGS, MI 49740
* $ 233,278,000 1 $ 76,000
Farmers Bank & Trust
1017 HARRISON
GREAT BEND, KS 67530
* $ 690,026,000 1 $ 52,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ 10,000,000 1 $ 81,000
Direct Mortgage Corp
13894 S BANGERTER PARKWAY SUITE 200
DRAPER, UT 84020
* $ 10,000,000 1 $ 176,000
United Security Financial Corp
930 EAST 6600 SOUTH
MURRAY, UT 84121
* $ 10,000,000 1 $ 147,000
Top Flite Financial, Inc.
123 E GRAND RIVER AVE
WILLIAMSTON, MI 48895
* $ 40,394,000 1 $ 117,000
360 Mortgage Group, LLC
11305 FOUR POINTS DRIVE, BLDG 1, #200
AUSTIN, TX 78726
* $ 10,000,000 1 $ 123,000
Emm Loans LLC
3 EXECUTIVE CAMPUS, SUITE 520
CHERRY HILL, NJ 08003
* $ 10,000,000 1 $ 171,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ 10,000,000 1 $ 235,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD SUITE 400
BRENTWOOD, TN 37027
* $ 10,000,000 1 $ 176,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ 10,000,000 1 $ 110,000
Dow Credit Union
600 E. LYON ROAD P.O. BOX 1649
MIDLAND, MI 48641
* $ 1,400,994,000 1 $ 83,000
Tlc Community Credit Union
3030 S ADRIAN HWY
ADRIAN, MI 49221
* $ 340,615,000 1 $ 116,000
Security Credit Union
5255 SECURITY PARK BLVD
HOLLY, MI 48442
* $ 381,225,000 1 $ 120,000
Firstbank
102 S MAIN ST
MT PLEASANT, MI 48858
* $ 1,222,044,000 1 $ 79,000
Jolt Credit Union
6180 STATE STREET
SAGINAW, MI 48603
* $ 321,718,000 1 $ 3,000
First Independence Bank
7310 WOODWARD AVE SUITE 101
DETROIT, MI 48202
* $ 202,781,000 1 $ 138,000
Wings Financial Credit Union
14985 GLAZIER AVENUE
APPLE VALLEY, MN 55124
* $ 3,910,000,000 1 $ 204,000
Frankenmuth Credit Union
580 N. MAIN ST., PO BOX 209
FRANKENMUTH, MI 48734
* $ 292,052,000 1 $ 108,000
Michigan Schools and Governmen
40400 GARFIELD ROAD
CLINTON TOWNSHIP, MI 48038
* $ 1,436,501,000 1 $ 30,000
Marshall Community Credit Union
839 W GREEN ST
MARSHALL, MI 49068
* $ 153,102,000 1 $ 151,000
Evolve Bank & Trust
6000 POPLAR AVENUE SUITE 300
MEMPHIS, TN 38119
* $ 277,561,000 1 $ 104,000
Horizon Bank, N.A.
515 FRANKLIN ST
MICHIGAN CITY, IN 46360
* $ 1,758,006,000 1 $ 139,000
Credit Union One
400 E NINE MILE RD
FERNDALE, MI 48220
* $ 821,636,000 1 $ 75,000
1st State Bank
PO BOX 1468
SAGINAW, MI 48605
* $ 188,545,000 1 $ 100,000

The tables below break down 2014 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 2014

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 254 $26,957,000 $106,000 $417,000 $71,000 $1,052,000
Home Purchase 237 $25,298,000 $106,000 $598,000 $64,000 $956,000
Home Improvement 28 $1,198,000 $42,000 $147,000 $126,000 $1,586,000

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 426 $44,044,000 $103,000 $598,000 $76,000 $1,586,000
Not applicable 47 $4,703,000 $100,000 $400,000 $6,000 $146,000
Not Provided 41 $4,376,000 $106,000 $365,000 $94,000 $950,000
Hispanic 3 $242,000 $80,000 $115,000 $67,000 $85,000
American Indian or Alaskan Native 2 $88,000 $44,000 $44,000 $17,000 $18,000
Asian 0 $0 $0 $0 $0 $0
Black or African American 0 $0 $0 $0 $0 $0
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) 344 $37,361,000 $108,000 $598,000 $92,000 $1,586,000
FHA-insured (Federal Housing Administration) 81 $7,118,000 $87,000 $216,000 $27,000 $126,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 59 $5,055,000 $85,000 $138,000 $27,000 $75,000
VA-guaranteed (Veterans Administration) 35 $3,919,000 $111,000 $239,000 $41,000 $167,000

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 253 $28,205,000 $111,000 $598,000 $83,000 $1,586,000
Application Denied By Financial Institution 149 $13,577,000 $91,000 $375,000 $69,000 $1,052,000
Loan Purchased By The Institution 54 $5,525,000 $102,000 $400,000 $14,000 $146,000
Application Withdrawn By Applicant 40 $4,005,000 $100,000 $417,000 $64,000 $192,000
Application Approved But Not Accepted 13 $1,276,000 $98,000 $237,000 $118,000 $886,000
File Closed For Incompleteness 10 $865,000 $86,000 $219,000 $63,000 $248,000
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 33 $2,895,000 $87,000 $220,000 $64,000 $265,000
Debt-To-Income Ratio 23 $2,432,000 $105,000 $365,000 $69,000 $288,000
Credit Application Incomplete 19 $1,268,000 $66,000 $200,000 $97,000 $1,052,000
Credit History 19 $1,285,000 $67,000 $216,000 $80,000 $480,000
Other 10 $993,000 $99,000 $186,000 $50,000 $126,000
Insufficient Cash (Downpayment, Closing Cost) 3 $344,000 $114,000 $185,000 $43,000 $60,000
Unverifiable Information 1 $103,000 $103,000 $103,000 $100,000 $100,000
Employment History 1 $106,000 $106,000 $106,000 $46,000 $46,000
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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