Keweenaw County, MI Mortgage Lenders & HMDA Data, 2008
In 2008, lenders reported 86 mortgage applications in Keweenaw County, MI totaling $12.9 million, down 31% from 2007. The average application was for $150,000, and applicants reported an average income of $95,000. 47% of applications resulted in an originated loan and 21% were denied. The most active lender was Wells Fargo Bank, NA, with 10 applications, followed by JPMorgan Chase Bank, NA and Incrediblebank.
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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 | 86 |
| Total Mortgage Loan Application Amount | $12,903,000 |
| Average Mortgage Loan Application Amount | $150,000 |
| Highest Mortgage Loan Application Amount | $800,000 |
| Average Applicant Income | $95,000 |
| Highest Applicant Income | $1,521,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 467,861,000,000 | 10 | $ 1,472,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,318,888,000,000 | 8 | $ 1,410,000 |
| Incrediblebank 327 N 17TH AVE WAUSAU, WI 54401 |
* | $ 846,065,000 | 8 | $ 524,000 |
| Citizens Bank 328 S SAGINAW ST FLINT, MI 48502 |
* | $ 12,524,748,000 | 6 | $ 756,000 |
| Midwest Loan Solutions, Inc. 29777 TELEGRAPH RD. SUITE 3580 SOUTHFIELD, MI 48034 |
* | $ 46,200,000 | 6 | $ 604,000 |
| Associated Bank, N.A. 200 N ADAMS ST GREEN BAY, WI 54301 |
* | $ 21,335,735,000 | 5 | $ 969,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 232,759,503,000 | 3 | $ 1,209,000 |
| Bankers' Bank 7700 MINERAL POINT ROAD MADISON, WI 53717 |
* | $ 406,348,000 | 3 | $ 463,000 |
| M&I Marshall & Ilsley Bank W57N14280 DOERR WAY CEDARBURG, WI 53012 |
* | $ 53,720,915,000 | 2 | $ 189,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 175,107,526,000 | 2 | $ 492,000 |
| Fifth Third Mortgage, Mi LLC 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 48,969,650,000 | 2 | $ 313,000 |
| Harris N.A. 111 W. MONROE CHICAGO, IL 60603 |
* | $ 41,480,283,000 | 2 | $ 246,000 |
| Countrywide Bank FSB 30930 RUSSELL RANCH ROAD MS CA6-916-02-0 WESTLAKE VILLAGE, CA 91362 |
* | $ 121,054,736,000 | 2 | $ 109,000 |
| Nfcu 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 33,011,920,000 | 2 | $ 141,000 |
| Mortgage Center Lc 26555 EVERGREEN RD SUITE 900 SOUTHFIELD, MI 48076 |
* | $ 30,000,000 | 2 | $ 156,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 2 | $ 307,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 2 | $ 379,000 |
| Freedom Mortgage Corp. 10500 KINCAID DR. STE. 300 FISHERS, IN 46037 |
* | $ 10,000,000 | 1 | $ 66,000 |
| Franklin American Mortgage Co 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 1 | $ 280,000 |
| Hallmark Home Mortgage, LLC 7421 COLDWATER ROAD FORT WAYNE, IN 46825 |
* | $ 2,915,000 | 1 | $ 225,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 1 | $ 90,000 |
| True Community Credit Union 1100 CLINTON RD JACKSON, MI 49202 |
* | $ 293,150,000 | 1 | $ 38,000 |
| Chevron Federal Credit Union 2300 CLAYTON ROAD SUITE 700 CONCORD, CA 94520 |
* | $ 1,055,075,000 | 1 | $ 134,000 |
| Merrill Lynch Credit Corp. 4804 DEER LAKE DRIVE EAST BLDG 3 FL 5 JACKSONVILLE, FL 32246 |
* | $ 4,500,000,000 | 1 | $ 90,000 |
| Npb Mortgage LLC 3333 DEPOSIT DRIVE NE GRAND RAPIDS, MI 49546 |
* | $ 145,000,000 | 1 | $ 108,000 |
| State Farm Bank 1 STATE FARM PLAZA BLOOMINGTON, IL 61710 |
* | $ 15,898,003,000 | 1 | $ 102,000 |
| Waterfield Bank 6903 ROCKLEDGE DRIVE, SUITE 525 BETHESDA, MD 20817 |
* | $ 160,020,000 | 1 | $ 189,000 |
| First National Bank of America 241 EAST SAGINAW EAST LANSING, MI 48823 |
* | $ 395,864,000 | 1 | $ 140,000 |
| Rbs Citizens, N.A. ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 128,863,082,000 | 1 | $ 75,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 1 | $ 89,000 |
| Amcore Bank, N.A. 501 SEVENTH ST ROCKFORD, IL 61104 |
* | $ 5,153,594,000 | 1 | $ 59,000 |
| Partners Bank of Wisconsin 907 NORTH CENTRAL AVE., PO BOX 730 MARSHFIELD, WI 54449 |
* | $ 69,377,000 | 1 | $ 800,000 |
| Alpine Bank & Trust Co. 1700 N ALPINE RD ROCKFORD, IL 61107 |
* | $ 597,255,000 | 1 | $ 53,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 28,404,352,000 | 1 | $ 260,000 |
| Mercantile Bank Mtg Co LLC 4613 ALPINE AVE NW COMSTOCK PARK, MI 49321 |
* | $ 698,000,000 | 1 | $ 189,000 |
The tables below break down 2008 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 2008
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 | 56 | $9,085,000 | $162,000 | $800,000 | $98,000 | $1,521,000 |
| Home Purchase | 27 | $3,550,000 | $131,000 | $403,000 | $94,000 | $434,000 |
| Home Improvement | 3 | $268,000 | $89,000 | $180,000 | $51,000 | $147,000 |
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 | 72 | $10,275,000 | $142,000 | $800,000 | $104,000 | $1,521,000 |
| Not Provided | 8 | $1,633,000 | $204,000 | $417,000 | $65,000 | $228,000 |
| Not applicable | 2 | $349,000 | $174,000 | $259,000 | $0 | $0 |
| Asian | 2 | $378,000 | $189,000 | $189,000 | $55,000 | $60,000 |
| Hispanic | 1 | $246,000 | $246,000 | $246,000 | $101,000 | $101,000 |
| American Indian or Alaskan Native | 1 | $22,000 | $22,000 | $22,000 | $23,000 | $23,000 |
| Native Hawaiian or Other Pacific Islander | 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) | 82 | $12,632,000 | $154,000 | $800,000 | $98,000 | $1,521,000 |
| FHA-insured (Federal Housing Administration) | 2 | $100,000 | $50,000 | $66,000 | $28,000 | $30,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $171,000 | $85,000 | $97,000 | $43,000 | $44,000 |
| 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 | 40 | $6,277,000 | $156,000 | $800,000 | $130,000 | $1,521,000 |
| Application Denied By Financial Institution | 18 | $1,953,000 | $108,000 | $246,000 | $51,000 | $175,000 |
| Application Withdrawn By Applicant | 9 | $1,430,000 | $158,000 | $403,000 | $83,000 | $348,000 |
| Application Approved But Not Accepted | 9 | $1,369,000 | $152,000 | $417,000 | $70,000 | $228,000 |
| Loan Purchased By The Institution | 8 | $1,519,000 | $189,000 | $357,000 | $62,000 | $123,000 |
| File Closed For Incompleteness | 2 | $355,000 | $177,000 | $280,000 | $103,000 | $162,000 |
| 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 | 5 | $715,000 | $143,000 | $246,000 | $85,000 | $175,000 |
| Unverifiable Information | 2 | $245,000 | $122,000 | $189,000 | $42,000 | $60,000 |
| Credit History | 2 | $72,000 | $36,000 | $51,000 | $59,000 | $60,000 |
| Debt-To-Income Ratio | 2 | $166,000 | $83,000 | $140,000 | $12,000 | $17,000 |
| Employment History | 1 | $189,000 | $189,000 | $189,000 | $51,000 | $51,000 |
| Credit Application Incomplete | 1 | $22,000 | $22,000 | $22,000 | $23,000 | $23,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 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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