Lake County, MI Mortgage Lenders & HMDA Data, 2012

In 2012, lenders reported 509 mortgage applications in Lake County, MI totaling $52.2 million, up 29% from 2011. The average application was for $102,000, and applicants reported an average income of $84,000. 51% of applications resulted in an originated loan and 24% were denied. The most active lender was Huntington National Bank, with 44 applications, followed by Chemical Bank and Fifth Third Mortgage, Mi LLC.

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Total Number of Mortgage Applications 509
Total Mortgage Loan Application Amount $52,162,000
Average Mortgage Loan Application Amount $102,000
Highest Mortgage Loan Application Amount $417,000
Average Applicant Income $84,000
Highest Applicant Income $1,694,000

Mortgage Company List for Lending in Lake County, MI for 2012

* Phone Numbers for Mortgage Lenders are available with a Data Download Report
Mortgage Lender Phone Number Mortgage Lender Assets Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loan Applications
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ 54,183,383,000 44 $ 3,685,000
Chemical Bank
333 E MAIN STREET
MIDLAND, MI 48640
* $ 5,331,931,000 35 $ 3,609,000
Fifth Third Mortgage, Mi LLC
5001 KINGSLEY DRIVE MD 1MOB2W
CINCINNATI, OH 45227
* $ 48,969,000 33 $ 3,722,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,161,490,000,000 29 $ 3,552,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 1,811,678,000,000 28 $ 2,871,000
Wmcu
1319 FRONT AVE NW
GRAND RAPIDS, MI 49504
* $ 122,182,000 22 $ 1,086,000
Lake Michigan Credit Union
PO BOX 2848
GRAND RAPIDS, MI 49501
* $ 2,423,017,000 20 $ 2,194,000
Fifth Third Bank
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ 114,540,379,000 20 $ 1,226,000
Fifth Third Mortgage Company
5001 KINGSLEY DRIVE MD 1MOB2W
CINCINNATI, OH 45227
* $ 114,540,379,000 20 $ 2,450,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 263,309,559,000 12 $ 1,588,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,459,157,302,000 9 $ 1,147,000
Ally Bank
2101 REXFORD ROAD, SUITE 350W
CHARLOTTE, NC 28211
* $ 85,381,954,000 8 $ 881,000
First Place Bank
185 EAST MARKET
WARREN, OH 44481
* $ 2,716,563,000 8 $ 1,385,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,288,658,000,000 8 $ 990,000
Neighborhood Mortgage Solutions, LLC
PO BOX 209 544 N MAIN ST
FRANKENMUTH, MI 48734
* $ 77,551,000 8 $ 976,000
Amerifirst Financial Corporation
950 TRADE CENTRE WAY SUITE 400
KALAMAZOO, MI 49009
* $ 10,000,000 8 $ 1,189,000
Independent Bank
4200 EAST BELTLINE
GRAND RAPIDS, MI 49525
* $ 2,304,743,000 8 $ 924,000
Flagstar Bank NA

TROY, MI 49098
* $ 13,623,469,000 7 $ 866,000
Member First Mortgage, LLC
616 44TH STREET SE
GRAND RAPIDS, MI 49548
* $ 11,800,000 5 $ 408,000
The Bank of Holland
150 CENTRAL AVE
HOLLAND, MI 49423
* $ 651,928,000 5 $ 678,000
Northpointe Bank
3333 DEPOSIT DRIVE NE
GRAND RAPIDS, MI 49546
* $ 298,844,000 5 $ 225,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 330,470,810,000 5 $ 636,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ 1,019,497,000,000 5 $ 560,000
Isabella Bank
139 E. BROADWAY
MT PLEASANT, MI 48858
* $ 1,284,407,000 4 $ 445,000
American Internet Mortgage, Inc.
4121 CAMINO DEL RIO SOUTH
SAN DIEGO, CA 92108
* $ 10,000,000 4 $ 481,000
Mortgage300 Corporation
10 SE CENTRAL PARKWAY SUITE 325
STUART, FL 34994
* $ 500,000 4 $ 312,000
Gold Star Mortgage Financial Group, Corporation
2350 GREEN ROAD SUITE 100B
ANN ARBOR, MI 48105
* $ 10,000,000 4 $ 520,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 4 $ 234,000
Mortgage Center Lc
26555 EVERGREEN RD SUITE 900
SOUTHFIELD, MI 48076
* $ 30,000,000 4 $ 197,000
The First State Bank
PO BOX 295
BARBOURSVILLE, WV 25504
* $ 283,544,000 3 $ 345,000
Greenstone Farm Credit Services
3515 WEST RD
EAST LANSING, MI 48823
* $ 10,000,000 3 $ 404,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ 10,000,000 3 $ 94,000
First National Bank of America
241 EAST SAGINAW
EAST LANSING, MI 48823
* $ 569,541,000 3 $ 66,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 106,940,591,000 2 $ 249,000
Citizens Bank
328 S SAGINAW ST
FLINT, MI 48502
* $ 9,212,296,000 2 $ 103,000
Premier Bank
601 CLINTON STREET
YOUNGSTOWN, OH 44503
* $ 2,053,207,000 2 $ 177,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 9,790,194,000 2 $ 156,000
First Choice Loan Services Inc.
ONE TOWER CENTER, FLOOR #18
EAST BRUNSWICK, NJ 08816
* $ 669,000,000 2 $ 88,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ 10,000,000 2 $ 157,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ 880,000,000 2 $ 263,000
BMO Harris Bank NA
111 W. MONROE
CHICAGO, IL 60606
* $ 97,264,044,000 2 $ 401,000
Michigan Mutual, Inc
911 MILITARY STREET
PORT HURON, MI 48060
* $ 35,000,000,000 2 $ 258,000
Towne Mortgage Company
888 WEST BIG BEAVER ROAD SUITE 310
TROY, MI 48084
* $ 35,475,880,000 2 $ 111,000
Vandyk Mortgage Corporation
2449 CAMELOT CT SE
GRAND RAPIDS, MI 49546
* $ 10,000,000 2 $ 207,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ 10,000,000 2 $ 500,000
Arbor Mortgage Corporation
2311 EAST BELTLINE AVE SE 200
GRAND RAPIDS, MI 49546
* $ 15,555,000 2 $ 294,000
Home Loan Center, Inc.
11115 RUSHMORE DRIVE
CHARLOTTE, NC 28277
* $ 10,000,000 2 $ 283,000
Generation Mortgage Company
3565 PIEDMONT ROAD, NE STE. 300
ATLANTA, GA 30305
* $ 73,926,000 2 $ 104,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ 8,994,122,000 2 $ 296,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ 10,000,000 2 $ 193,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ 4,088,336,000 2 $ 178,000
The Shelby State Bank
242 N MICHIGAN AVE
SHELBY, MI 49455
* $ 206,185,000 2 $ 340,000
One Reverse Mortgage, LLC
4445 EASTGATE MALL, SUITE 320
SAN DIEGO, CA 92121
* $ 39,000,000 2 $ 89,000
Commercial Bank
301 N. STATE ST
ALMA, MI 48801
* $ 374,917,000 2 $ 133,000
Inova Federal Credit Union
358 S ELKHART AVENUE
ELKHART, IN 46516
* $ 245,171,000 2 $ 70,000
Msu Federal Credit Union
3777 WEST ROAD
EAST LANSING, MI 48823
* $ 2,135,169,000 2 $ 291,000
Honor Credit Union
EDGEWOOD RD
BERRIEN SPRINGS, MI 49103
* $ 320,953,000 2 $ 59,000
Community West Credit Union
4045 60TH ST SE
KENTWOOD, MI 49512
* $ 114,230,000 2 $ 120,000
Dfcu Financial
400 TOWN CENTER DRIVE
DEARBORN, MI 48121
* $ 3,073,478,000 2 $ 177,000
Macatawa Bank, N.A.

ROSEMONT, IL 60018
* $ 1,505,983,000 2 $ 188,000
Preferred Credit Union
3767 SPARKS DR SE
GRAND RAPIDS, MI 49546
* $ 79,299,000 2 $ 13,000
Consumers Credit Union
PO BOX 525
KALAMAZOO, MI 49009
* $ 364,238,000 1 $ 25,000
Dart Bank
368 S. PARK ST.
MASON, MI 48854
* $ 272,376,000 1 $ 53,000
Credit Union One
400 E NINE MILE RD
FERNDALE, MI 48220
* $ 739,431,000 1 $ 62,000
Mill City Credit Union
9999 WAYZATA BOULEVARD
MINNETONKA, MN 55305
* $ 285,094,000 1 $ 95,000
Dow Credit Union
600 E. LYON ROAD P.O. BOX 1649
MIDLAND, MI 48641
* $ 1,397,606,000 1 $ 130,000
First Midwest Bank
300 N. HUNT CLUB ROAD
GURNEE, IL 60031
* $ 7,848,012,000 1 $ 135,000
Evolve Bank & Trust
6000 POPLAR AVENUE SUITE 300
MEMPHIS, TN 38119
* $ 247,163,000 1 $ 179,000
The State Bank & Trust Company
401 CLINTON STREET
DEFIANCE, OH 43512
* $ 624,898,000 1 $ 168,000
First Independence Bank
7310 WOODWARD AVE SUITE 101
DETROIT, MI 48202
* $ 165,219,000 1 $ 78,000
Genisys Credit Union
2100 EXECUTIVE HILLS BLVD
AUBURN HILLS, MI 48326
* $ 1,385,299,000 1 $ 18,000
Wanigas Credit Union
4026 SHATTUCK RD
SAGINAW, MI 48603
* $ 263,240,000 1 $ 70,000
Aspire Financial Inc
4100 ALPHA RD #112
DALLAS, TX 75244
* $ 10,000,000 1 $ 77,000
Liberty Home Equity Solutions, Inc.
10951 WHITE ROCK ROAD, SUITE 200
RANCHO CORDOVA, CA 95670
* $ 60,629,000 1 $ 41,000
Service Finance Company, LLC
555 S FEDERAL HIGHWAY SUITE 200
BOCA RATON, FL 33432
* $ 10,000,000 1 $ 14,000
1st Alliance Lending, LLC
111 FOUNDERS PLAZA, SUITE 1300
EAST HARTFORD, CT 06108
* $ 3,285,000 1 $ 74,000
Ditech Mortgage Corp
1100 VIRGINIA DRIVE, SUITE 100
FT. WASHINGTON, PA 19034
* $ 5,720,000 1 $ 63,000
Firstbank - West Michigan
302 W MAIN ST
IONIA, MI 48846
* $ 202,538,000 1 $ 20,000
Caliber Funding LLC
6031 CONNECTION DRIVE, SUITE 200
IRVING, TX 75039
* $ 37,112,000 1 $ 72,000
Stonegate Mortgage Corporation
9190 PRIORITY WAY WEST DRIVE
INDIANAPOLIS, IN 46240
* $ 10,000,000 1 $ 79,000
Chicago Mortgage Solutions LLC
9525 W BRYN MAWR AVE
ROSEMONT, IL 60018
* $ 10,000,000 1 $ 237,000
Mortgage 1 Incorporated
43456 MOUND ROAD
STERLING HEIGHTS, MI 48314
* $ 9,135,000 1 $ 116,000
Ifreedom Direct Corporation
124 N. CHARLES LINDBERGH DRIVE
SLC, UT 84116
* $ 10,000,000 1 $ 99,000
Comerica Bank

FARMINGTON HILLS, MI 48331
* $ 60,970,527,000 1 $ 38,000
Wcs Lending, LLC
951 YAMATO ROAD, SUITE 150
BOCA RATON, FL 33431
* $ 25,076,000 1 $ 75,000
Mortgage Investors Corp
6090 CENTRAL AVE
ST. PETERSBURG, FL 33707
* $ 10,000,000 1 $ 51,000
Summit Mortgage Corporation
13355 10TH AVE N, SUITE 100
PLYMOUTH, MN 55442
* $ 10,000,000 1 $ 248,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ 10,000,000 1 $ 119,000
Mms Mortgage Services, Ltd.
38275 TWELVE MILE RD., SUITE 100
FARMINGTON HILLS, MI 48331
* $ 5,598,000 1 $ 132,000
Icnb Mortgage Company LLC
302 W MAIN ST
IONIA, MI 48846
* $ 209,112,000 1 $ 38,000
First State Mortgage Services
502 N HERSHEY ROAD
BLOOMINGTON, IL 61704
* $ 327,995,000 1 $ 36,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ 1,283,070,000 1 $ 80,000
UBS Ag, Tampa Branch
3000 BAYPORT
TAMPA, FL 33607
* $ 1,400,000,000 1 $ 134,000
Mutualbank
110 E CHARLES ST
MUNCIE, IN 47305
* $ 1,424,545,000 1 $ 143,000
Wolverine Bank FSB
5710 EASTMAN AVE
MIDLAND, MI 48640
* $ 293,814,000 1 $ 99,000
Grand River Bank
4471 WILSON SW
GRANDVILLE, MI 49418
* $ 79,572,000 1 $ 55,000
Mercantile Bank Mtg Co LLC
4613 ALPINE AVE NW
COMSTOCK PARK, MI 49321
* $ 698,000,000 1 $ 245,000
University Lending Group, LLC
42452 HAYES, STE I
CLLINTON TOWNSHIP, MI 48038
* $ 133,851,000 1 $ 175,000
Colonial Savings
P O BOX 2988
FORT WORTH, TX 76102
* $ 921,138,000 1 $ 69,000
Shoreham Bank
ONE HOME LOAN PLAZA
WARWICK, RI 02886
* $ 195,395,000 1 $ 58,000
Choiceone Bank
109 E. DIVISION ST.
SPARTA, MI 49345
* $ 495,696,000 1 $ 26,000
Founders Bank & Trust
5200 CASCADE ROAD SE
GRAND RAPIDS, MI 49546
* $ 430,776,000 1 $ 110,000
Bank of Ann Arbor
1333 W ANN ARBOR ROAD
ANN ARBOR, MI 48104
* $ 777,699,000 1 $ 86,000
Gmac Mortgage, LLC
1100 VIRGINIA DRIVE
FT. WASHINGTON, PA 19034
* $ 31,000,000 1 $ 41,000
Nycb Mortgage Company, LLC
1801 EAST 9TH STREET
CLEVELAND, OH 44114
* $ 75,001,000 1 $ 38,000
Onemain Financial Servi
300 ST. PAUL PLACE
BALTIMORE, MD 21202
* $ 389,000,000 1 $ 60,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 52,181,685,000 1 $ 144,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 168,867,640,000 1 $ 113,000

The tables below break down 2012 mortgage applications in Lake 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 Lake County, MI in 2012

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 353 $39,039,000 $110,000 $337,000 $77,000 $892,000
Home Purchase 126 $12,012,000 $95,000 $417,000 $91,000 $400,000
Home Improvement 30 $1,111,000 $37,000 $250,000 $148,000 $1,694,000

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 435 $45,312,000 $104,000 $417,000 $84,000 $1,572,000
Not Provided 37 $4,017,000 $108,000 $190,000 $76,000 $309,000
Not applicable 16 $1,483,000 $92,000 $178,000 $26,000 $150,000
Black or African American 12 $590,000 $49,000 $116,000 $57,000 $180,000
Hispanic 4 $387,000 $96,000 $250,000 $485,000 $1,694,000
American Indian or Alaskan Native 4 $197,000 $49,000 $63,000 $43,000 $67,000
Asian 1 $176,000 $176,000 $176,000 $236,000 $236,000
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) 445 $46,756,000 $105,000 $417,000 $92,000 $1,694,000
FHA-insured (Federal Housing Administration) 33 $2,470,000 $74,000 $207,000 $24,000 $86,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 20 $1,683,000 $84,000 $153,000 $26,000 $51,000
VA-guaranteed (Veterans Administration) 11 $1,253,000 $113,000 $195,000 $55,000 $120,000

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 261 $27,760,000 $106,000 $346,000 $90,000 $892,000
Application Denied By Financial Institution 123 $10,789,000 $87,000 $417,000 $62,000 $309,000
Loan Purchased By The Institution 58 $6,368,000 $109,000 $245,000 $48,000 $327,000
Application Withdrawn By Applicant 28 $2,876,000 $102,000 $320,000 $86,000 $454,000
Application Approved But Not Accepted 20 $1,930,000 $96,000 $337,000 $87,000 $306,000
File Closed For Incompleteness 19 $2,439,000 $128,000 $250,000 $260,000 $1,694,000
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 33 $3,273,000 $99,000 $260,000 $96,000 $309,000
Credit History 30 $1,706,000 $56,000 $336,000 $39,000 $126,000
Debt-To-Income Ratio 20 $2,228,000 $111,000 $417,000 $46,000 $117,000
Credit Application Incomplete 12 $1,120,000 $93,000 $220,000 $59,000 $118,000
Other 4 $402,000 $100,000 $195,000 $124,000 $231,000
Unverifiable Information 2 $81,000 $40,000 $41,000 $69,000 $74,000
Employment History 1 $176,000 $176,000 $176,000 $236,000 $236,000
Insufficient Cash (Downpayment, Closing Cost) 1 $81,000 $81,000 $81,000 $75,000 $75,000
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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