Keweenaw County, MI Mortgage Lenders & HMDA Data, 2025
In 2025, lenders reported 59 mortgage applications in Keweenaw County, MI totaling $8.9 million, down 3% from 2024. The average application was for $151,000, and applicants reported an average income of $107,000. 68% of applications resulted in an originated loan and 10% were denied. The most active lender was Incrediblebank, with 11 applications, followed by Huntington National Bank and Range 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 | 59 |
| Total Mortgage Loan Application Amount | $8,915,000 |
| Average Mortgage Loan Application Amount | $151,000 |
| Highest Mortgage Loan Application Amount | $605,000 |
| Average Applicant Income | $107,000 |
| Highest Applicant Income | $563,000 |
| 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 |
* | $ n/a | 11 | $ 1,695,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ n/a | 7 | $ 535,000 |
| Range Bank 100 N FRONT ST MARQUETTE, MI 49855 |
* | $ n/a | 6 | $ 1,210,000 |
| Superior National Bank 235 QUINCY ST HANCOCK, MI 49930 |
* | $ n/a | 4 | $ 120,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 2 | $ 140,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 2 | $ 290,000 |
| Greenstone Farm Credit Services 3515 WEST RD EAST LANSING, MI 48823 |
* | $ n/a | 2 | $ 160,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ n/a | 2 | $ 500,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ n/a | 1 | $ 155,000 |
| Obsidian Financial Services 2351 WEST EAU GALLIE BLVD. SUITE 2 MELBOURNE, FL 32935 |
* | $ n/a | 1 | $ 125,000 |
| Mortgage 1 Incorporated 43456 MOUND ROAD STERLING HEIGHTS, MI 48314 |
* | $ n/a | 1 | $ 175,000 |
| Honor Credit Union EDGEWOOD RD BERRIEN SPRINGS, MI 49103 |
* | $ n/a | 1 | $ 25,000 |
| First Colony Mortgage Corporat 500 EAST PARK AVENUE SUITE 900 OREM, UT 84097 |
* | $ n/a | 1 | $ 145,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ n/a | 1 | $ 175,000 |
| United Federal Credit Union 2807 SOUTH STATE ST ST. JOSEPH, MI 49085 |
* | $ n/a | 1 | $ 505,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ n/a | 1 | $ 15,000 |
| Merchants Bank, National Association 102 EAST THIRD STREET WINONA, MN 55987 |
* | $ n/a | 1 | $ 155,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 1 | $ 125,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ n/a | 1 | $ 505,000 |
| Paramount Residential Mortgage 1265 CORONA POINTE CT SUITE 301 CORONA, CA 92879 |
* | $ n/a | 1 | $ 105,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 1 | $ 85,000 |
| Genisys Credit Union 2100 EXECUTIVE HILLS BLVD AUBURN HILLS, MI 48326 |
* | $ n/a | 1 | $ 15,000 |
| Isabella Bank 139 E. BROADWAY MT PLEASANT, MI 48858 |
* | $ n/a | 1 | $ 405,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ n/a | 1 | $ 105,000 |
| Nicolet National Bank 111 N WASHINGTON ST GREEN BAY, WI 54301 |
* | $ n/a | 1 | $ 115,000 |
| Morgan Stanley Private Bank NA 2000 WESTCHESTER AVE PURCHASE, NY 10577 |
* | $ n/a | 1 | $ 515,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ n/a | 1 | $ 175,000 |
The tables below break down 2025 mortgage applications in Keweenaw 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 Keweenaw County, MI in 2025
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 | 24 | $4,090,000 | $170,000 | $505,000 | $112,000 | $480,000 |
| Home Improvement | 12 | $1,130,000 | $94,000 | $515,000 | $96,000 | $456,000 |
| Refinancing | 10 | $2,480,000 | $248,000 | $605,000 | $123,000 | $368,000 |
| Cash-out Refinancing | 7 | $525,000 | $75,000 | $105,000 | $58,000 | $150,000 |
| Other Purpose | 6 | $690,000 | $115,000 | $505,000 | $140,000 | $563,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $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 | 46 | $6,530,000 | $141,000 | $515,000 | $87,000 | $456,000 |
| Not Provided | 9 | $2,055,000 | $228,000 | $605,000 | $228,000 | $563,000 |
| Not applicable | 2 | $210,000 | $105,000 | $125,000 | $0 | $0 |
| American Indian or Alaskan Native | 1 | $35,000 | $35,000 | $35,000 | $13,000 | $13,000 |
| Hispanic | 1 | $85,000 | $85,000 | $85,000 | $32,000 | $32,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 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) | 51 | $7,765,000 | $152,000 | $605,000 | $113,000 | $563,000 |
| FHA-insured (Federal Housing Administration) | 4 | $330,000 | $82,000 | $85,000 | $41,000 | $51,000 |
| VA-guaranteed (Veterans Administration) | 3 | $695,000 | $231,000 | $315,000 | $59,000 | $78,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $125,000 | $125,000 | $125,000 | $0 | $0 |
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 | 40 | $5,590,000 | $139,000 | $605,000 | $94,000 | $368,000 |
| Application Withdrawn By Applicant | 8 | $1,700,000 | $212,000 | $515,000 | $181,000 | $563,000 |
| Application Denied By Financial Institution | 6 | $440,000 | $73,000 | $155,000 | $27,000 | $67,000 |
| Application Approved But Not Accepted | 2 | $910,000 | $455,000 | $505,000 | $286,000 | $480,000 |
| Loan Purchased By The Institution | 2 | $210,000 | $105,000 | $125,000 | $0 | $0 |
| File Closed For Incompleteness | 1 | $65,000 | $65,000 | $65,000 | $150,000 | $150,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 47 | $7,265,000 | $154,000 | $515,000 | $115,000 | $563,000 |
| Debt-To-Income Ratio | 6 | $1,210,000 | $201,000 | $605,000 | $124,000 | $368,000 |
| Credit History | 3 | $155,000 | $51,000 | $75,000 | $28,000 | $53,000 |
| Other | 1 | $35,000 | $35,000 | $35,000 | $13,000 | $13,000 |
| Collateral | 1 | $95,000 | $95,000 | $95,000 | $67,000 | $67,000 |
| Credit Application Incomplete | 1 | $155,000 | $155,000 | $155,000 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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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