Keweenaw County, MI Mortgage Lenders & HMDA Data, 2022
In 2022, lenders reported 90 mortgage applications in Keweenaw County, MI totaling $13.8 million, down 9% from 2021. The average application was for $153,000, and applicants reported an average income of $105,000. 62% of applications resulted in an originated loan and 14% were denied. The most active lender was Superior National Bank, with 22 applications, followed by Incrediblebank 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 | 90 |
| Total Mortgage Loan Application Amount | $13,780,000 |
| Average Mortgage Loan Application Amount | $153,000 |
| Highest Mortgage Loan Application Amount | $465,000 |
| Average Applicant Income | $105,000 |
| Highest Applicant Income | $415,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Superior National Bank 235 QUINCY ST HANCOCK, MI 49930 |
* | $ 1,073,220,000 | 22 | $ 2,330,000 |
| Incrediblebank 327 N 17TH AVE WAUSAU, WI 54401 |
* | $ 1,758,190,000 | 10 | $ 2,130,000 |
| Range Bank 100 N FRONT ST MARQUETTE, MI 49855 |
* | $ 529,258,000 | 9 | $ 1,145,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 5 | $ 445,000 |
| Fifth Third Bank, National Association 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 209,696,785,000 | 3 | $ 375,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 3 | $ 215,000 |
| Nicolet National Bank 111 N WASHINGTON ST GREEN BAY, WI 54301 |
* | $ 7,686,307,000 | 2 | $ 330,000 |
| Jolt Credit Union 6180 STATE STREET SAGINAW, MI 48603 |
* | $ 447,021,000 | 1 | $ 245,000 |
| Bankers' Bank 7700 MINERAL POINT ROAD MADISON, WI 53717 |
* | $ 1,432,330,000 | 1 | $ 325,000 |
| Greenstone Farm Credit Services 3515 WEST RD EAST LANSING, MI 48823 |
* | $ -1,000 | 1 | $ 185,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 1 | $ 105,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 1 | $ 65,000 |
| Armed Forces Bank, N.A. 320 KANSAS AVENUE FORT LEAVENWORTH, KS 66027 |
* | $ 1,230,840,000 | 1 | $ 465,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 1 | $ 95,000 |
| Honor Credit Union EDGEWOOD RD BERRIEN SPRINGS, MI 49103 |
* | $ 1,437,766,000 | 1 | $ 45,000 |
| Angel Oak Mortgage Solutions LLC 980 HAMMOND DRIVE, SUITE 850 ATLANTA, GA 30328 |
* | $ -1,000 | 1 | $ 225,000 |
| Mortgage Center Lc 26555 EVERGREEN RD SUITE 900 SOUTHFIELD, MI 48076 |
* | $ -1,000 | 1 | $ 45,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 117,378,701,000 | 1 | $ 405,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ -1,000 | 1 | $ 315,000 |
| Northern State Bank AURORA, MN 55705 |
* | $ 325,953,000 | 1 | $ 185,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ -1,000 | 1 | $ 185,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,779,504,000,000 | 1 | $ 175,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 153,432,983,000 | 1 | $ 45,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 1 | $ 275,000 |
| First National Bank of Omaha 1620 DODGE STREET OMAHA, NE 68197 |
* | $ 26,812,859,000 | 1 | $ 195,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 173,414,362,000 | 1 | $ 115,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 1 | $ 235,000 |
| Zions Bancorporation, N.A. DENVER, CO 80237 |
* | $ 93,199,669,000 | 1 | $ 275,000 |
| Shoreham Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 339,245,000 | 1 | $ 15,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 1 | $ 105,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 1 | $ 65,000 |
| Msu Federal Credit Union 3777 WEST ROAD EAST LANSING, MI 48823 |
* | $ 6,719,007,000 | 1 | $ 85,000 |
| Consumers Credit Union PO BOX 525 KALAMAZOO, MI 49009 |
* | $ 1,803,219,000 | 1 | $ 65,000 |
| Colonial Savings P O BOX 2988 FORT WORTH, TX 76102 |
* | $ 1,089,286,000 | 1 | $ 195,000 |
| Isabella Bank 139 E. BROADWAY MT PLEASANT, MI 48858 |
* | $ 1,982,186,000 | 1 | $ 405,000 |
| Luxury Mortgage Corp. FOUR LANDMARK SQUARE SUITE 300 STAMFORD, CT 06901 |
* | $ -1,000 | 1 | $ 205,000 |
The tables below break down 2022 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 2022
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 | 47 | $8,285,000 | $176,000 | $465,000 | $123,000 | $415,000 |
| Cash-out Refinancing | 20 | $3,050,000 | $152,000 | $335,000 | $90,000 | $188,000 |
| Refinancing | 14 | $1,770,000 | $126,000 | $275,000 | $83,000 | $251,000 |
| Home Improvement | 6 | $330,000 | $55,000 | $185,000 | $102,000 | $265,000 |
| Other Purpose | 3 | $345,000 | $115,000 | $285,000 | $87,000 | $167,000 |
| 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 | 75 | $11,815,000 | $157,000 | $465,000 | $99,000 | $415,000 |
| Not applicable | 9 | $945,000 | $105,000 | $285,000 | $0 | $0 |
| Not Provided | 4 | $780,000 | $195,000 | $285,000 | $166,000 | $265,000 |
| Asian | 1 | $195,000 | $195,000 | $195,000 | $283,000 | $283,000 |
| Hispanic | 1 | $45,000 | $45,000 | $45,000 | $81,000 | $81,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 74 | $11,150,000 | $150,000 | $405,000 | $112,000 | $415,000 |
| VA-guaranteed (Veterans Administration) | 13 | $2,445,000 | $188,000 | $465,000 | $70,000 | $140,000 |
| FHA-insured (Federal Housing Administration) | 3 | $185,000 | $61,000 | $85,000 | $41,000 | $60,000 |
| 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 | 56 | $8,320,000 | $148,000 | $465,000 | $108,000 | $318,000 |
| Application Denied By Financial Institution | 13 | $2,185,000 | $168,000 | $325,000 | $69,000 | $239,000 |
| Application Withdrawn By Applicant | 9 | $1,725,000 | $191,000 | $405,000 | $93,000 | $167,000 |
| Loan Purchased By The Institution | 8 | $660,000 | $82,000 | $125,000 | $0 | $0 |
| File Closed For Incompleteness | 2 | $430,000 | $215,000 | $235,000 | $141,000 | $223,000 |
| Application Approved But Not Accepted | 2 | $460,000 | $230,000 | $275,000 | $225,000 | $415,000 |
| 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 | 75 | $11,005,000 | $146,000 | $465,000 | $109,000 | $415,000 |
| Collateral | 5 | $1,045,000 | $209,000 | $325,000 | $115,000 | $239,000 |
| Debt-To-Income Ratio | 4 | $780,000 | $195,000 | $405,000 | $93,000 | $235,000 |
| Credit History | 2 | $120,000 | $60,000 | $105,000 | $24,000 | $35,000 |
| Credit Application Incomplete | 1 | $135,000 | $135,000 | $135,000 | $50,000 | $50,000 |
| Other | 1 | $205,000 | $205,000 | $205,000 | $0 | $0 |
| Unverifiable Information | 1 | $315,000 | $315,000 | $315,000 | $89,000 | $89,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $175,000 | $175,000 | $175,000 | $69,000 | $69,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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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