Kalkaska County, MI Mortgage Lenders & HMDA Data, 2021
In 2021, lenders reported 1,081 mortgage applications in Kalkaska County, MI totaling $175.2 million, up 8% from 2020. The average application was for $162,000, and applicants reported an average income of $98,000. 64% of applications resulted in an originated loan and 11% were denied. The most active lender was Huntington National Bank, with 100 applications, followed by United Wholesale Mortgage and Independent Bank.
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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 | 1,081 |
| Total Mortgage Loan Application Amount | $175,195,000 |
| Average Mortgage Loan Application Amount | $162,000 |
| Highest Mortgage Loan Application Amount | $895,000 |
| Average Applicant Income | $98,000 |
| Highest Applicant Income | $4,173,000 |
* 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 |
|---|---|---|---|---|
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 104,052,030,000 | 100 | $ 13,910,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 54 | $ 10,200,000 |
| Independent Bank 4200 EAST BELTLINE GRAND RAPIDS, MI 49525 |
* | $ 3,563,694,000 | 46 | $ 8,020,000 |
| Lake Michigan Credit Union PO BOX 2848 GRAND RAPIDS, MI 49501 |
* | $ 6,863,398,000 | 40 | $ 5,850,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,747,398,000,000 | 35 | $ 4,745,000 |
| Fifth Third Bank, National Association 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 140,077,697,000 | 35 | $ 5,555,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,140,778,000,000 | 28 | $ 5,790,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 27 | $ 4,875,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 22 | $ 3,810,000 |
| Tcf National Bank 2508 LOUISE AVE S (PCC-2E-L) SIOUX FALLS, SD 57106 |
* | $ 46,627,366,000 | 22 | $ 2,830,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 22 | $ 3,660,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 21 | $ 2,895,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 20 | $ 2,820,000 |
| Amerifirst Financial Corporation 950 TRADE CENTRE WAY SUITE 400 KALAMAZOO, MI 49009 |
* | $ -1,000 | 16 | $ 2,620,000 |
| Union Home Mortgage Corp. 8241 DOW CIRCLE STRONGSVILLE, OH 44136 |
* | $ -1,000 | 15 | $ 2,495,000 |
| Credit Union One 400 E NINE MILE RD FERNDALE, MI 48220 |
* | $ 1,487,658,000 | 13 | $ 2,765,000 |
| Staunton Financial Inc 25800 NORTHWESTERN HIGHWAY SUITE 110 SOUTHFIELD, MI 48076 |
* | $ -1,000 | 12 | $ 2,100,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 12 | $ 1,580,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 12 | $ 2,360,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 11 | $ 1,505,000 |
| Mortgage300 Corporation 10 SE CENTRAL PARKWAY SUITE 325 STUART, FL 34994 |
* | $ -1,000 | 11 | $ 1,845,000 |
| Msu Federal Credit Union 3777 WEST ROAD EAST LANSING, MI 48823 |
* | $ 4,730,630,000 | 11 | $ 1,685,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 10 | $ 1,900,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 10 | $ 1,800,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 370,002,264,000 | 10 | $ 1,500,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 16,855,693,000 | 10 | $ 1,070,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 10 | $ 1,540,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ -1,000 | 10 | $ 280,000 |
| Greenstone Farm Credit Services 3515 WEST RD EAST LANSING, MI 48823 |
* | $ -1,000 | 8 | $ 2,140,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 7 | $ 1,885,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 90,565,764,000 | 6 | $ 1,150,000 |
| Gold Star Mortgage Financial Group, Corporation 2350 GREEN ROAD SUITE 100B ANN ARBOR, MI 48105 |
* | $ -1,000 | 6 | $ 890,000 |
| Member First Mortgage, LLC 616 44TH STREET SE GRAND RAPIDS, MI 49548 |
* | $ -1,000 | 6 | $ 740,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ -1,000 | 6 | $ 830,000 |
| Michigan Mutual, Inc 911 MILITARY STREET PORT HURON, MI 48060 |
* | $ -1,000 | 6 | $ 830,000 |
| Genisys Credit Union 2100 EXECUTIVE HILLS BLVD AUBURN HILLS, MI 48326 |
* | $ 2,847,190,000 | 6 | $ 590,000 |
| Mortgage Center Lc 26555 EVERGREEN RD SUITE 900 SOUTHFIELD, MI 48076 |
* | $ -1,000 | 6 | $ 680,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 456,025,829,000 | 6 | $ 1,510,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,751,524,000,000 | 6 | $ 670,000 |
| Neighborhood Loans, Inc 1333 BUTTERFIELD RD SUITE 600 DOWNERS GROVE, IL 60515 |
* | $ -1,000 | 5 | $ 1,035,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 5 | $ 645,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 5 | $ 685,000 |
| Top Flite Financial, Inc. 123 E GRAND RIVER AVE WILLIAMSTON, MI 48895 |
* | $ -1,000 | 5 | $ 805,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 5 | $ 815,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 5 | $ 1,625,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 5 | $ 675,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ -1,000 | 4 | $ 560,000 |
| Choiceone Bank 109 E. DIVISION ST. SPARTA, MI 49345 |
* | $ 673,946,000 | 4 | $ 1,370,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ -1,000 | 4 | $ 420,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 4 | $ 610,000 |
| Ally Bank CHARLOTTE, NC 28202 |
* | $ 167,492,000,000 | 4 | $ 630,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 98,729,134,000 | 4 | $ 250,000 |
| Dart Bank 368 S. PARK ST. MASON, MI 48854 |
* | $ 460,693,000 | 4 | $ 660,000 |
| Mortgage 1 Incorporated 43456 MOUND ROAD STERLING HEIGHTS, MI 48314 |
* | $ -1,000 | 4 | $ 770,000 |
| Elga Credit Union 2303 S. CENTER ROAD GRAND BLANC, MI 48439 |
* | $ 794,126,000 | 4 | $ 700,000 |
| Chicago Mortgage Solutions LLC 9525 W BRYN MAWR AVE ROSEMONT, IL 60018 |
* | $ -1,000 | 4 | $ 550,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 121,995,997,000 | 4 | $ 190,000 |
| Dow Credit Union 600 E. LYON ROAD P.O. BOX 1649 MIDLAND, MI 48641 |
* | $ 1,766,990,000 | 4 | $ 550,000 |
| Mbank 130 S CEDAR ST MANISTIQUE, MI 49854 |
* | $ 1,316,588,000 | 4 | $ 640,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 3 | $ 335,000 |
| Clearpath Lending 15615 ALTON PARKWAY SUITE 300 IRVINE, CA 92618 |
* | $ -1,000 | 3 | $ 515,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 80,522,766,000 | 3 | $ 375,000 |
| Premier Bank 601 CLINTON STREET YOUNGSTOWN, OH 44503 |
* | $ 3,439,822,000 | 3 | $ 255,000 |
| Lower, LLC 5950 SYMPHONY WOODS DRIVE COLUMBIA, MD 21044 |
* | $ -1,000 | 3 | $ 965,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,384,707,000,000 | 3 | $ 355,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 3 | $ 395,000 |
| Team One Credit Union 520 HAYDEN SAGINAW, MI 48607 |
* | $ 569,349,000 | 3 | $ 495,000 |
| T2 Financial LLC 480 OLDE WORTHINGTON RD SUITE 300 WESTERVILLE, OH 43082 |
* | $ -1,000 | 3 | $ 775,000 |
| Mercantile Bank 310 LEONARD STREET NORTH WEST GRAND RAPIDS, MI 49504 |
* | $ 3,614,957,000 | 3 | $ 425,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 3 | $ 435,000 |
| Macatawa Bank, N.A. ROSEMONT, IL 60018 |
* | $ 2,068,014,000 | 2 | $ 530,000 |
| Wildfire Credit Union 6640 BAY RD SAGINAW, MI 48605 |
* | $ 844,894,000 | 2 | $ 240,000 |
| Michigan Schools and Governmen 40400 GARFIELD ROAD CLINTON TOWNSHIP, MI 48038 |
* | $ 2,370,725,000 | 2 | $ 380,000 |
| Premium Security, Inc. 901 N GREEN VALLEY PKWY STE 200 HENDERSON, NV 89074 |
* | $ -1,000 | 2 | $ 220,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ -1,000 | 2 | $ 280,000 |
| Impac Mortgage Corp. 19500 JAMBOREE RD GLENDALE, CA 92612 |
* | $ -1,000 | 2 | $ 400,000 |
| Goodleap, LLC 8781 SIERRA COLLEGE BLVD ROSEVILLE, CA 95661 |
* | $ -1,000 | 2 | $ 300,000 |
| Highlands Residential Mortgage, Ltd. 950 W BETHANY DR STE 800 ALLEN, TX 75013 |
* | $ -1,000 | 2 | $ 200,000 |
| Sunflower Bank, N.A. 3025 CORTLAND CIRCLE - PO BOX 800 DALLAS, TX 75225 |
* | $ 4,172,729,000 | 2 | $ 120,000 |
| Northpointe Bank 3333 DEPOSIT DRIVE NE GRAND RAPIDS, MI 49546 |
* | $ 2,186,056,000 | 2 | $ 340,000 |
| Success Mortgage Partners, Inc 1200 S. SHELDON RD. PLYMOUTH, MI 48170 |
* | $ -1,000 | 2 | $ 350,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ 604,528,000 | 2 | $ 980,000 |
| Community Financial 500 S HARVEY ST PLYMOUTH, MI 48170 |
* | $ 1,013,236,000 | 2 | $ 460,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 2 | $ 230,000 |
| Old National Bank ONE MAIN STREET EVANSVILLE, IN 47708 |
* | $ 20,311,535,000 | 2 | $ 320,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ -1,000 | 2 | $ 300,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ -1,000 | 2 | $ 180,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 2 | $ 250,000 |
| Frankenmuth Credit Union 580 N. MAIN ST., PO BOX 209 FRANKENMUTH, MI 48734 |
* | $ 740,859,000 | 2 | $ 650,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 119,432,105,000 | 2 | $ 340,000 |
| Vandyk Mortgage Corporation 2449 CAMELOT CT SE GRAND RAPIDS, MI 49546 |
* | $ -1,000 | 2 | $ 460,000 |
| Nicolet National Bank 111 N WASHINGTON ST GREEN BAY, WI 54301 |
* | $ 3,570,443,000 | 2 | $ 250,000 |
| Geneva Financial LLC 180 S ARIZONA AVE STE 310 CHANDLER, AZ 85225 |
* | $ -1,000 | 1 | $ 105,000 |
| Vibe Credit Union 1375 N OAKLAND BLVD NOVI, MI 48377 |
* | $ 913,849,000 | 1 | $ 115,000 |
| St. James Mortgage Corporation 42676 WOODWARD AVE BLOOMFIELD HILLS, MI 48304 |
* | $ -1,000 | 1 | $ 215,000 |
| Wmcu 1319 FRONT AVE NW GRAND RAPIDS, MI 49504 |
* | $ 165,982,000 | 1 | $ 25,000 |
| Longbridge Financial, LLC 1 INTERNATIONAL BOULEVARD, SUITE 900 MAHWAH, NJ 07495 |
* | $ -1,000 | 1 | $ 45,000 |
| Legacy Mortgage 1537 E HILL RD SUITE 100 GRAND BLANC, MI 48439 |
* | $ -1,000 | 1 | $ 265,000 |
| Lafcu 106 N MARKETPLACE BLVD LANSING, MI 48917 |
* | $ 746,967,000 | 1 | $ 55,000 |
| Consumer Real Estate Finance Co dba Society Mortgage 330 SW 2ND ST #111 FORT LAUDERDALE, FL 33312 |
* | $ -1,000 | 1 | $ 135,000 |
| Axos Bank 4350 LA JOLLA VILLAGE DR SUITE 140 SAN DIEGO, CA 92122 |
* | $ 11,550,782,000 | 1 | $ 135,000 |
| Adventure Credit Union 630 32ND ST SE GRAND RAPIDS, MI 49548 |
* | $ 356,710,000 | 1 | $ 235,000 |
| Paramount Residential Mortgage 1265 CORONA POINTE CT SUITE 301 CORONA, CA 92879 |
* | $ -1,000 | 1 | $ 225,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 22,986,309,000 | 1 | $ 65,000 |
| Reverse Mortgage Funding LLC 1455 BROAD ST., 2ND FL BLOOMFIELD, NJ 07003 |
* | $ -1,000 | 1 | $ 105,000 |
| Ark-La-Tex Financial Services LLC 5160 TENNYSON PKWY STE 1000 PLANO, TX 75024 |
* | $ -1,000 | 1 | $ 65,000 |
| Kellogg Community Credit Union 41 SECOND ST BATTLE CREEK, MI 49014 |
* | $ 637,246,000 | 1 | $ 105,000 |
| Preferred Credit Union 3767 SPARKS DR SE GRAND RAPIDS, MI 49546 |
* | $ 179,422,000 | 1 | $ 55,000 |
| American Airlines Federal Cred 4151 AMON CARTER BLVD FORT WORTH, TX 76155 |
* | $ 7,658,628,000 | 1 | $ 465,000 |
| Union Savings Bank 8534 E KEMPER RD CINCINNATI, OH 45249 |
* | $ 3,079,626,000 | 1 | $ 415,000 |
| Isabella Bank 139 E. BROADWAY MT PLEASANT, MI 48858 |
* | $ 1,763,432,000 | 1 | $ 235,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ -1,000 | 1 | $ 115,000 |
| County National Bank ONE SOUTH HOWELL ST HILLSDALE, MI 49242 |
* | $ 736,752,000 | 1 | $ 125,000 |
| Hometown Lenders, Inc. 310 THE BRIDGE STREET, 4TH FLOOR SUITE A HUNTSVILLE, AL 35806 |
* | $ -1,000 | 1 | $ 295,000 |
| Inova Federal Credit Union 358 S ELKHART AVENUE ELKHART, IN 46516 |
* | $ 458,314,000 | 1 | $ 75,000 |
| Oak Mortgage, LLC 113-125 E CHICAGO RD STURGIS, MI 49091 |
* | $ -1,000 | 1 | $ 435,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 24,774,361,000 | 1 | $ 95,000 |
| Towne Mortgage Company 888 WEST BIG BEAVER ROAD SUITE 310 TROY, MI 48084 |
* | $ -1,000 | 1 | $ 105,000 |
| Arbor Financial Credit Union 1551 SOUTH 9TH STREET KALAMAZOO, MI 49009 |
* | $ 655,512,000 | 1 | $ 15,000 |
| American Financial Network, Inc. 10 POINTE DRIVE, SUITE 330 BREA, CA 92821 |
* | $ -1,000 | 1 | $ 155,000 |
| Summit Funding.Inc 2135 BUTANO DRIVE SUITE 150 SACRAMENTO, CA 95825 |
* | $ -1,000 | 1 | $ 105,000 |
| Sovereign Lending Group Inc. NEWPORT BEACH, CA 92660 |
* | $ -1,000 | 1 | $ 125,000 |
| American Internet Mortgage, Inc. 4121 CAMINO DEL RIO SOUTH SAN DIEGO, CA 92108 |
* | $ -1,000 | 1 | $ 135,000 |
| Alerus Financial NA PO BOX 6001 GRAND FORKS, ND 58206 |
* | $ 2,354,874,000 | 1 | $ 315,000 |
| Michigan First Credit Union 27000 EVERGREEN LATHRUP VILLAGE, MI 48076 |
* | $ 980,071,000 | 1 | $ 185,000 |
| Mms Mortgage Services, Ltd. 38275 TWELVE MILE RD., SUITE 100 FARMINGTON HILLS, MI 48331 |
* | $ -1,000 | 1 | $ 145,000 |
| Intercontinental Capital Group, Inc 50 JERICHO QUADRANGLE, SUITE 210 JERICHO, NY 11753 |
* | $ -1,000 | 1 | $ 115,000 |
| Dort Financial Credit Union 9048 HOLLY ROAD GRAND BLANC, MI 48439 |
* | $ 1,005,502,000 | 1 | $ 125,000 |
| On Q Financial, LLC 4800 SCOTTSDALE RD SUITE 5500 SCOTTSDALE, AZ 85260 |
* | $ -1,000 | 1 | $ 125,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ -1,000 | 1 | $ 45,000 |
| First Savings Bank 501 E. LEWIS & CLARK PARKWAY JEFFERSONVILLE, IN 47130 |
* | $ 1,289,704,000 | 1 | $ 345,000 |
| Hall Financial 888 W BIG BEAVER RD, SUITE 800 TROY, MI 48083 |
* | $ -1,000 | 1 | $ 65,000 |
| Zeal Credit Union 17250 NEWBURGH LIVONIA, MI 48152 |
* | $ 613,902,000 | 1 | $ 205,000 |
| Academy Mortgage Corporation 339 WEST 13490 SOUTH SALT LAKE CITY, UT 84020 |
* | $ -1,000 | 1 | $ 425,000 |
| Covantage Credit Union 723 6TH AVE, PO BOX 107 ANTIGO, WI 54409 |
* | $ 1,905,407,000 | 1 | $ 275,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 464,504,000 | 1 | $ 515,000 |
| Hancock Mortgage Partners, LLC ONE SUGAR CREEK CENTER BLVD SUITE 1000 SUGAR LAND, TX 77478 |
* | $ -1,000 | 1 | $ 195,000 |
| University Lending Group, LLC 42452 HAYES, STE I CLLINTON TOWNSHIP, MI 48038 |
* | $ -1,000 | 1 | $ 115,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ -1,000 | 1 | $ 285,000 |
| Contour Mortgage Corporation 990 STEWART AVENUE STE#660 GARDEN CITY, NY 11530 |
* | $ -1,000 | 1 | $ 145,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ -1,000 | 1 | $ 195,000 |
| Gerber Federal Credit Union 508 STATE STREET PO BOX 116 FREMONT, MI 49412 |
* | $ 162,579,000 | 1 | $ 115,000 |
| American Pacific Mortgage Corporation 3000 LAVA RIDGE COURT, SUITE 200 ROSEVILLE, CA 95661 |
* | $ -1,000 | 1 | $ 325,000 |
| Sofi Lending Corp. 375 HEALDSBURG AVENUE, SUITE 280 SACRAMENTO, CA 95448 |
* | $ -1,000 | 1 | $ 135,000 |
| Angel Oak Mortgage Solutions LLC 980 HAMMOND DRIVE, SUITE 850 ATLANTA, GA 30328 |
* | $ -1,000 | 1 | $ 315,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 4,694,690,000 | 1 | $ 45,000 |
| United Bank of Michigan 900 EAST PARIS AVE SE GRAND RAPIDS, MI 49546 |
* | $ 695,189,000 | 1 | $ 345,000 |
| Visio Financial Services Inc. 1905 KRAMER LN B700 WILMINGTON, DE 78758 |
* | $ -1,000 | 1 | $ 395,000 |
| 1st Source Bank P O BOX 1602 SUITE 400 SOUTH BEND, IN 46601 |
* | $ 6,622,194,000 | 1 | $ 345,000 |
| Honor Credit Union EDGEWOOD RD BERRIEN SPRINGS, MI 49103 |
* | $ 1,009,578,000 | 1 | $ 45,000 |
| Waterford Bank, N.A. 3900 N. MCCORD RD TOLEDO, OH 43617 |
* | $ 772,547,000 | 1 | $ 205,000 |
| Grand River Bank 4471 WILSON AVENUE SW GRANDVILLE, MI 49418 |
* | $ 321,158,000 | 1 | $ 135,000 |
| Third Federal Savings and Loan 7007 BROADWAY AVENUE CLEVELAND, OH 44105 |
* | $ 14,789,845,000 | 1 | $ 165,000 |
| Inlanta Mortgage, Inc. W239 N3490 PEWAUKEE ROAD, STE.200 PEWAUKEE, WI 53072 |
* | $ -1,000 | 1 | $ 135,000 |
| Ruoff Mortgage Company 1700 MAGNAVOX WAY SUITE 220 FORT WAYNE, IN 46804 |
* | $ -1,000 | 1 | $ 105,000 |
| Consumers Credit Union PO BOX 525 KALAMAZOO, MI 49009 |
* | $ 1,242,456,000 | 1 | $ 155,000 |
| Level One Bank 32991 HAMILTON COURT FARMINGTON HILLS, MI 48334 |
* | $ 1,582,399,000 | 1 | $ 165,000 |
| University of Michigan Credit Union 340 E. HURON ANN ARBOR, MI 48104 |
* | $ 953,301,000 | 1 | $ 115,000 |
| Horizon Bank 515 FRANKLIN ST MICHIGAN CITY, IN 46360 |
* | $ 5,236,417,000 | 1 | $ 255,000 |
| Michigan One Community Credit Union 510 S DEXTER ST. IONIA, MI 48446 |
* | $ 134,484,000 | 1 | $ 85,000 |
| Affinity Federal Credit Union 73 MOUNTAINVIEW BLVD. BASKING RIDGE, NJ 07920 |
* | $ 3,529,015,000 | 1 | $ 95,000 |
The tables below break down 2021 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 2021
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 |
|---|---|---|---|---|---|---|
| Home Purchase | 378 | $72,520,000 | $191,000 | $755,000 | $107,000 | $4,173,000 |
| Refinancing | 341 | $52,535,000 | $154,000 | $895,000 | $107,000 | $1,580,000 |
| Cash-out Refinancing | 272 | $42,750,000 | $157,000 | $655,000 | $76,000 | $533,000 |
| Other Purpose | 46 | $4,290,000 | $93,000 | $505,000 | $109,000 | $855,000 |
| Home Improvement | 37 | $2,675,000 | $72,000 | $195,000 | $87,000 | $434,000 |
| Not Applicable | 7 | $425,000 | $60,000 | $115,000 | $0 | $0 |
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 | 839 | $133,435,000 | $159,000 | $895,000 | $97,000 | $4,173,000 |
| Not Provided | 156 | $26,730,000 | $171,000 | $585,000 | $108,000 | $768,000 |
| Not applicable | 55 | $10,445,000 | $189,000 | $545,000 | $0 | $0 |
| Hispanic | 14 | $2,000,000 | $142,000 | $325,000 | $83,000 | $505,000 |
| American Indian or Alaskan Native | 6 | $1,020,000 | $170,000 | $275,000 | $63,000 | $100,000 |
| Black or African American | 5 | $495,000 | $99,000 | $135,000 | $26,000 | $30,000 |
| Asian | 4 | $740,000 | $185,000 | $305,000 | $87,000 | $140,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $330,000 | $165,000 | $185,000 | $59,000 | $74,000 |
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) | 827 | $134,195,000 | $162,000 | $895,000 | $108,000 | $4,173,000 |
| FHA-insured (Federal Housing Administration) | 131 | $18,755,000 | $143,000 | $315,000 | $50,000 | $240,000 |
| VA-guaranteed (Veterans Administration) | 92 | $17,360,000 | $188,000 | $525,000 | $63,000 | $133,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 31 | $4,885,000 | $157,000 | $305,000 | $51,000 | $80,000 |
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 | 690 | $116,410,000 | $168,000 | $895,000 | $103,000 | $4,173,000 |
| Application Withdrawn By Applicant | 127 | $18,015,000 | $141,000 | $315,000 | $97,000 | $1,580,000 |
| Application Denied By Financial Institution | 122 | $15,990,000 | $131,000 | $655,000 | $63,000 | $239,000 |
| Loan Purchased By The Institution | 60 | $11,990,000 | $199,000 | $545,000 | $117,000 | $170,000 |
| File Closed For Incompleteness | 59 | $9,605,000 | $162,000 | $775,000 | $102,000 | $1,224,000 |
| Application Approved But Not Accepted | 22 | $3,040,000 | $138,000 | $495,000 | $121,000 | $930,000 |
| Preapproval Approved but not Accepted | 1 | $145,000 | $145,000 | $145,000 | $64,000 | $64,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 956 | $158,850,000 | $166,000 | $895,000 | $103,000 | $4,173,000 |
| Debt-To-Income Ratio | 33 | $6,045,000 | $183,000 | $655,000 | $57,000 | $200,000 |
| Collateral | 28 | $3,200,000 | $114,000 | $285,000 | $68,000 | $200,000 |
| Credit History | 23 | $2,205,000 | $95,000 | $205,000 | $54,000 | $101,000 |
| Other | 17 | $1,635,000 | $96,000 | $225,000 | $57,000 | $129,000 |
| Credit Application Incomplete | 16 | $2,110,000 | $131,000 | $315,000 | $86,000 | $239,000 |
| Employment History | 4 | $320,000 | $80,000 | $115,000 | $43,000 | $54,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $335,000 | $111,000 | $165,000 | $107,000 | $208,000 |
| Unverifiable Information | 1 | $495,000 | $495,000 | $495,000 | $113,000 | $113,000 |
| 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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