Keweenaw County, MI Mortgage Lenders & HMDA Data, 2003
In 2003, lenders reported 185 mortgage applications in Keweenaw County, MI totaling $17.9 million. The average application was for $96,000, and applicants reported an average income of $62,000. 50% of applications resulted in an originated loan and 12% were denied. The most active lender was Republic Bank, with 39 applications, followed by Countrywide Home Loans and Associated Mortgage Co, Inc.
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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 | 185 |
| Total Mortgage Loan Application Amount | $17,877,000 |
| Average Mortgage Loan Application Amount | $96,000 |
| Highest Mortgage Loan Application Amount | $340,000 |
| Average Applicant Income | $62,000 |
| Highest Applicant Income | $780,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Republic Bank 2425 E GRAND RIVER AVE LANSING, MI 48912 |
* | $ 4,763,003,000 | 39 | $ 3,576,000 |
| Countrywide Home Loans 30930 RUSSELL RANCH ROAD MS WLRR-148 WESTLAKE VILLAGE, CA 91362 |
* | $ 58,034,697,000 | 32 | $ 3,399,000 |
| Associated Mortgage Co, Inc 301 N BROADWAY ST DEPERE, WI 54115 |
* | $ 95,481,778,000 | 13 | $ 1,168,000 |
| National City Bank 1900 E NINTH ST LOC 01-3144 CLEVELAND, OH 44114 |
* | $ 43,721,511,000 | 12 | $ 574,000 |
| Wells Fargo Home Mortgage 1 HOME CAMPUS, X9902-1R DES MOINES, IA 50328 |
* | $ 35,000,000,000 | 12 | $ 1,408,000 |
| National City Mortgage Corpora 1900 E9TH STREET LOCATOR 01-3013 CLEVELAND, OH 44114 |
* | $ 12,000,000,000 | 8 | $ 1,013,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 7 | $ 679,000 |
| National City Mortgage Service 1900 E 9TH STREET LOCATOR 01-3013 CLEVELAND, OH 44114 |
* | $ 12,383,021,000 | 6 | $ 878,000 |
| Ameriquest Mortgage Company 1100 TOWN & COUNTRY ROAD ORANGE, CA 92868 |
* | $ 10,000,000 | 6 | $ 521,000 |
| Midwest Loan Solutions, Inc. 29777 TELEGRAPH RD. SUITE 3580 SOUTHFIELD, MI 48034 |
* | $ 46,200,000 | 5 | $ 486,000 |
| Bank One, NA 45303 VAN DYKE SUITE 9048 UTICA, MI 48317 |
* | $ 53,001,000,000 | 4 | $ 410,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 565,382,000,000 | 3 | $ 233,000 |
| Associated Bank, N.A. 200 N ADAMS ST GREEN BAY, WI 54301 |
* | $ 10,022,493,000 | 2 | $ 425,000 |
| Abn Amro Mtg Group Inc 850 THIRD AVENUE, 12TH FLOOR NEW YORK, NY 10022 |
* | $ 250,000,000 | 2 | $ 116,000 |
| Accredited Home Lenders, Inc 15253 AVENUE OF SCIENCE BLDG 1 SAN DIEGO, CA 92128 |
* | $ 10,000,000 | 2 | $ 172,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 47,877,769,000 | 2 | $ 319,000 |
| Fifth Third Mortgage, Mi LLC 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 25,145,204,000 | 2 | $ 319,000 |
| Mbna America Delaware, N.A. 200 N COLLEGE ST NC1-004-04-13 CHARLOTTE, NC 28255 |
* | $ 1,708,852,000 | 2 | $ 37,000 |
| Chase Manhattan Bank USA, NA 200 WHITE CLAY CENTER DR NEWARK, DE 19711 |
* | $ 32,738,033,000 | 2 | $ 63,000 |
| Columbia National, Inc. 7142 COLUMBIA GATEWAY DRIVE COLUMBIA, MD 21046 |
* | $ 31,000,000 | 1 | $ 148,000 |
| Guaranty Residential Lending 1300 S. MOPAC EXPWY AUSTIN, TX 78746 |
* | $ 9,102,046,000 | 1 | $ 100,000 |
| Harris Trust and Savings Bank 111 WEST MONROE STREET CHICAGO, IL 60603 |
* | $ 19,273,170,000 | 1 | $ 150,000 |
| Irwin Mortgage Corporation 10500 KINCAID DRIVE FISHERS, IN 47037 |
* | $ 4,567,878,000 | 1 | $ 117,000 |
| Long Beach Mortgage Co. 227 EAST AVENUE ALBION, NY 14411 |
* | $ 10,000,000 | 1 | $ 80,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 1 | $ 95,000 |
| New Century Mortgage Corporati 18400 VON KARMAN AVE., SUITE 1000 IRVINE, CA 92612 |
* | $ 10,000,000 | 1 | $ 63,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 1 | $ 43,000 |
| Rbmg, Inc 7215 FINANCIAL WAY JACKSONVILLE, FL 32256 |
* | $ 3,000,000,000 | 1 | $ 301,000 |
| Towne Mortgage Company 13325 E 14 MILE RD STERLING HEIGHTS, MI 48312 |
* | $ 10,000,000 | 1 | $ 60,000 |
| Unizan Bank National Assoc. 220 MARKET AVE. S CANTON, OH 44701 |
* | $ 2,677,024,000 | 1 | $ 58,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 176,049,792,000 | 1 | $ 70,000 |
| Washington Mutual Bank 227 EAST AVENUE ALBION, NY 14411 |
* | $ 236,422,336,000 | 1 | $ 80,000 |
| First Security Credit Union P O BOX 8327 GREEN BAY, WI 54308 |
* | $ 70,298,000 | 1 | $ 10,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 8,190,484,000 | 1 | $ 26,000 |
| Freedom Mortgage Corp. 10500 KINCAID DR. STE. 300 FISHERS, IN 46037 |
* | $ 10,000,000 | 1 | $ 34,000 |
| Gmac Bank 4 WALNUT GROVE HORSHAM, PA 19044 |
* | $ 2,448,525,000 | 1 | $ 20,000 |
| True Community Credit Union 1100 CLINTON RD JACKSON, MI 49202 |
* | $ 230,171,000 | 1 | $ 38,000 |
| Cuna Mutual Mortgage Corporati 2908 MARKETPLACE DRIVE SUITE 100 MADISON, WI 53719 |
* | $ 10,000,000 | 1 | $ 74,000 |
| E-Loan, Inc. 6230 STONERIDGE MALL ROAD PLEASANTON, CA 94588 |
* | $ 10,000,000 | 1 | $ 15,000 |
| American Business Financial 100 PENN SQUARE EAST PHILADELPHIA, PA 19107 |
* | $ 10,000,000 | 1 | $ 66,000 |
| Bergin Financial, Inc. 29200 NORTHWESTERN HWY. SUITE 350 SOUTHFIELD, MI 48034 |
* | $ 10,000,000 | 1 | $ 340,000 |
The tables below break down 2003 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 2003
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 (home purchase or home improvement, one-to-four family) | 157 | $15,194,000 | $96,000 | $340,000 | $53,000 | $256,000 |
| Home Purchase (one-to-four family) | 22 | $2,412,000 | $109,000 | $235,000 | $102,000 | $780,000 |
| Home Improvement (one-to-four family) | 6 | $271,000 | $45,000 | $145,000 | $35,000 | $75,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 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 | 142 | $14,218,000 | $100,000 | $340,000 | $75,000 | $780,000 |
| Information not provided by applicant in mail or telephone application | 25 | $1,919,000 | $76,000 | $303,000 | $58,000 | $296,000 |
| Not applicable | 12 | $1,297,000 | $108,000 | $198,000 | $0 | $0 |
| Other | 5 | $409,000 | $81,000 | $104,000 | $33,000 | $48,000 |
| Hispanic | 1 | $34,000 | $34,000 | $34,000 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian or Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Black | 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) | 185 | $17,877,000 | $96,000 | $340,000 | $62,000 | $780,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $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 | 92 | $10,004,000 | $108,000 | $340,000 | $75,000 | $780,000 |
| Loan Purchased By The Institution | 53 | $5,369,000 | $101,000 | $319,000 | $30,000 | $208,000 |
| Application Denied By Financial Institution | 22 | $1,134,000 | $51,000 | $128,000 | $49,000 | $256,000 |
| Application Withdrawn By Applicant | 10 | $806,000 | $80,000 | $142,000 | $58,000 | $115,000 |
| Application Approved But Not Accepted | 7 | $514,000 | $73,000 | $150,000 | $90,000 | $296,000 |
| File Closed For Incompleteness | 1 | $50,000 | $50,000 | $50,000 | $75,000 | $75,000 |
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 |
|---|---|---|---|---|---|---|
| Credit Application Incomplete | 8 | $550,000 | $68,000 | $128,000 | $80,000 | $256,000 |
| Credit History | 5 | $90,000 | $18,000 | $35,000 | $22,000 | $41,000 |
| Collateral | 3 | $137,000 | $45,000 | $100,000 | $41,000 | $100,000 |
| Debt-To-Income Ratio | 2 | $195,000 | $97,000 | $120,000 | $38,000 | $39,000 |
| Employment History | 1 | $68,000 | $68,000 | $68,000 | $26,000 | $26,000 |
| Other | 1 | $16,000 | $16,000 | $16,000 | $43,000 | $43,000 |
| Unverifiable Information | 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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