Keweenaw County, MI Mortgage Lenders & HMDA Data, 2018
In 2018, lenders reported 62 mortgage applications in Keweenaw County, MI totaling $9.5 million, down 11% from 2017. The average application was for $153,000, and applicants reported an average income of $104,000. 55% of applications resulted in an originated loan and 16% were denied. The most active lender was Incrediblebank, with 19 applications, followed by Huntington National Bank and Atlantic Bay Mortgage Group.
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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 | 62 |
| Total Mortgage Loan Application Amount | $9,510,000 |
| Average Mortgage Loan Application Amount | $153,000 |
| Highest Mortgage Loan Application Amount | $685,000 |
| Average Applicant Income | $104,000 |
| Highest Applicant Income | $645,000 |
| 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 |
* | $ 1,256,847,000 | 19 | $ 2,655,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 104,052,030,000 | 6 | $ 880,000 |
| Atlantic Bay Mortgage Group 596 LYNNHAVEN PARKWAY SUITE 200 VIRGINIA BEACH, VA 23452 |
* | $ -1,000 | 6 | $ 730,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,747,398,000,000 | 6 | $ 870,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 2 | $ 670,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 22,858,876,000 | 2 | $ 60,000 |
| Lake Michigan Credit Union PO BOX 2848 GRAND RAPIDS, MI 49501 |
* | $ 5,221,804,000 | 1 | $ 155,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 1 | $ 65,000 |
| Liberty Home Equity Solutions, Inc. 10951 WHITE ROCK ROAD, SUITE 200 RANCHO CORDOVA, CA 95670 |
* | $ -1,000 | 1 | $ 75,000 |
| Michigan Schools and Governmen 40400 GARFIELD ROAD CLINTON TOWNSHIP, MI 48038 |
* | $ 1,853,578,000 | 1 | $ 205,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 370,002,264,000 | 1 | $ 685,000 |
| Emm Loans LLC 3 EXECUTIVE CAMPUS, SUITE 520 CHERRY HILL, NJ 08003 |
* | $ -1,000 | 1 | $ 145,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,751,524,000,000 | 1 | $ 265,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 1 | $ 85,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 1 | $ 65,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,140,778,000,000 | 1 | $ 45,000 |
| Isabella Bank 139 E. BROADWAY MT PLEASANT, MI 48858 |
* | $ 1,761,016,000 | 1 | $ 455,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 98,729,134,000 | 1 | $ 35,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 121,995,997,000 | 1 | $ 245,000 |
| Envoy Mortgage, Ltd 10496 KATY FWY STE 250 HOUSTON, TX 77024 |
* | $ -1,000 | 1 | $ 265,000 |
| Mycumortgage 3560 PENTAGON BLVD. SUITE 301 BEAVERCREEK, OH 45431 |
* | $ -1,000 | 1 | $ 45,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ 363,702,000 | 1 | $ 245,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ -1,000 | 1 | $ 85,000 |
| Home Savings Bank 275 W FEDERAL ST YOUNGSTOWN, OH 44503 |
* | $ 2,641,355,000 | 1 | $ 135,000 |
| Fifth Third Bank 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 140,077,697,000 | 1 | $ 85,000 |
| Bridgeview Bank Group 7940 S HARLEM BRIDGEVIEW, IL 60455 |
* | $ 1,175,351,000 | 1 | $ 175,000 |
The tables below break down 2018 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 2018
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 | $4,470,000 | $186,000 | $495,000 | $109,000 | $236,000 |
| Cash-out Refinancing | 16 | $3,060,000 | $191,000 | $685,000 | $116,000 | $645,000 |
| Refinancing | 13 | $1,495,000 | $115,000 | $265,000 | $87,000 | $350,000 |
| Other Purpose | 5 | $275,000 | $55,000 | $95,000 | $104,000 | $155,000 |
| Home Improvement | 4 | $210,000 | $52,000 | $75,000 | $87,000 | $200,000 |
| 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 | 57 | $8,435,000 | $147,000 | $685,000 | $104,000 | $645,000 |
| Not Provided | 3 | $535,000 | $178,000 | $455,000 | $118,000 | $236,000 |
| Not applicable | 2 | $540,000 | $270,000 | $455,000 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Hispanic | 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) | 56 | $9,000,000 | $160,000 | $685,000 | $113,000 | $645,000 |
| FHA-insured (Federal Housing Administration) | 4 | $310,000 | $77,000 | $85,000 | $26,000 | $31,000 |
| VA-guaranteed (Veterans Administration) | 2 | $200,000 | $100,000 | $105,000 | $30,000 | $45,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 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 | 34 | $5,880,000 | $172,000 | $685,000 | $111,000 | $645,000 |
| Application Withdrawn By Applicant | 12 | $950,000 | $79,000 | $195,000 | $108,000 | $350,000 |
| Application Denied By Financial Institution | 10 | $1,600,000 | $160,000 | $455,000 | $66,000 | $236,000 |
| Application Approved But Not Accepted | 2 | $280,000 | $140,000 | $145,000 | $114,000 | $126,000 |
| File Closed For Incompleteness | 2 | $380,000 | $190,000 | $235,000 | $114,000 | $199,000 |
| Loan Purchased By The Institution | 2 | $420,000 | $210,000 | $245,000 | $157,000 | $171,000 |
| 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 | 52 | $7,910,000 | $152,000 | $685,000 | $112,000 | $645,000 |
| Debt-To-Income Ratio | 4 | $760,000 | $190,000 | $455,000 | $78,000 | $236,000 |
| Credit History | 3 | $235,000 | $78,000 | $135,000 | $57,000 | $95,000 |
| Unverifiable Information | 1 | $95,000 | $95,000 | $95,000 | $16,000 | $16,000 |
| Collateral | 1 | $435,000 | $435,000 | $435,000 | $129,000 | $129,000 |
| Credit Application Incomplete | 1 | $75,000 | $75,000 | $75,000 | $31,000 | $31,000 |
| Other | 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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