Lake County, MI Mortgage Lenders & HMDA Data, 2016

In 2016, lenders reported 400 mortgage applications in Lake County, MI totaling $37.6 million, down 4% from 2015. The average application was for $94,000, and applicants reported an average income of $75,000. 50% of applications resulted in an originated loan and 24% were denied. The most active lender was Chemical Bank, with 28 applications, followed by Huntington National Bank and Lake Michigan Credit Union.

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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 400
Total Mortgage Loan Application Amount $37,619,000
Average Mortgage Loan Application Amount $94,000
Highest Mortgage Loan Application Amount $708,000
Average Applicant Income $75,000
Highest Applicant Income $708,000

Mortgage Company List for Lending in Lake County, MI for 2016

* 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
Chemical Bank
333 E MAIN STREET
MIDLAND, MI 48640
* $ 9,166,710,000 28 $ 3,175,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ 70,879,778,000 23 $ 2,163,000
Lake Michigan Credit Union
PO BOX 2848
GRAND RAPIDS, MI 49501
* $ 4,089,397,000 20 $ 1,868,000
Amerifirst Financial Corporation
950 TRADE CENTRE WAY SUITE 400
KALAMAZOO, MI 49009
* $ 10,000,000 19 $ 2,102,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ 138,031,000 16 $ 1,886,000
Fifth Third Mortgage, Mi LLC
5001 KINGSLEY DRIVE MD 1MOB2W
CINCINNATI, OH 45227
* $ 48,969,000 15 $ 1,590,000
Wmcu
1319 FRONT AVE NW
GRAND RAPIDS, MI 49504
* $ 145,344,000 14 $ 724,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,610,580,000,000 13 $ 1,400,000
Neighborhood Mortgage Solutions, LLC
PO BOX 209 544 N MAIN ST
FRANKENMUTH, MI 48734
* $ 77,551,000 10 $ 919,000
Fifth Third Mortgage Company
5001 KINGSLEY DRIVE MD 1MOB2W
CINCINNATI, OH 45227
* $ 138,620,635,000 9 $ 1,097,000
Independent Bank
4200 EAST BELTLINE
GRAND RAPIDS, MI 49525
* $ 2,397,774,000 8 $ 611,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ 10,000,000 7 $ 645,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 1,914,658,000,000 7 $ 571,000
Freedom Mortgage Corporation
10500 KINCAID DRIVE
FISHERS, IN 46037
* $ 10,000,000 6 $ 523,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ 10,000,000 6 $ 528,000
Msu Federal Credit Union
3777 WEST ROAD
EAST LANSING, MI 48823
* $ 3,034,515,000 6 $ 307,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 348,291,098,000 5 $ 418,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,639,305,000,000 5 $ 1,096,000
Fifth Third Bank
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ 138,620,635,000 5 $ 236,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ 10,000,000 5 $ 242,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ 4,088,336,000 5 $ 447,000
The First State Bank
PO BOX 295
BARBOURSVILLE, WV 25504
* $ 234,265,000 4 $ 347,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 71,130,930,000 4 $ 541,000
Mortgage300 Corporation
10 SE CENTRAL PARKWAY SUITE 325
STUART, FL 34994
* $ 500,000 4 $ 400,000
Member First Mortgage, LLC
616 44TH STREET SE
GRAND RAPIDS, MI 49548
* $ 11,800,000 4 $ 319,000
Choiceone Bank
109 E. DIVISION ST.
SPARTA, MI 49345
* $ 565,408,000 4 $ 645,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD SUITE 400
BRENTWOOD, TN 37027
* $ 10,000,000 3 $ 386,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ 10,000,000 3 $ 263,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ 10,000,000 3 $ 343,000
Ditech Financial LLC
1100 VIRGINIA DRIVE, SUITE 100
FORT WASHINGTON, PA 19034
* $ 6,260,444,000 3 $ 212,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 26,594,410,000 3 $ 249,000
Consumers Credit Union
PO BOX 525
KALAMAZOO, MI 49009
* $ 674,549,000 3 $ 101,000
Firstmerit Bank NA
III CASCADE PLAZA - CAS46
AKRON, OH 44308
* $ 25,520,808,000 3 $ 136,000
Old National Bank
ONE MAIN STREET
EVANSVILLE, IN 47708
* $ 11,846,211,000 3 $ 362,000
Mercantile Bank
310 LEONARD STREET NORTH WEST
GRAND RAPIDS, MI 49504
* $ 2,883,076,000 3 $ 141,000
Isabella Bank
139 E. BROADWAY
MT PLEASANT, MI 48858
* $ 1,616,259,000 3 $ 243,000
Mortgage 1 Incorporated
43456 MOUND ROAD
STERLING HEIGHTS, MI 48314
* $ 9,135,000 2 $ 245,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ 8,994,122,000 2 $ 290,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ 1,543,699,000 2 $ 188,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ 100,247,000 2 $ 37,000
Greenstone Farm Credit Services
3515 WEST RD
EAST LANSING, MI 48823
* $ 10,000,000 2 $ 518,000
United Bank of Michigan
900 EAST PARIS AVE SE
GRAND RAPIDS, MI 49546
* $ 524,123,000 2 $ 73,000
Meijer Credit Union
2410 GAYNOR AVE. NW
GRAND RAPIDS, MI 49544
* $ 57,864,000 2 $ 133,000
Mill City Credit Union
10653 WAYZATA BLVD
MINNETONKA, MN 55305
* $ 315,937,000 2 $ 98,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ 880,000,000 2 $ 209,000
Northern Mortgage Services, LLC
3714 28TH ST SW
GRANDVILLE, MI 49418
* $ 3,904,000 2 $ 231,000
Huron Valley Financial, Inc.
2395 OAK VALLEY DRIVE, SUITE 200
ANN ARBOR, MI 48103
* $ 10,000,000 2 $ 184,000
Macatawa Bank, N.A.

ROSEMONT, IL 60018
* $ 1,727,803,000 2 $ 160,000
Northpointe Bank
3333 DEPOSIT DRIVE NE
GRAND RAPIDS, MI 49546
* $ 459,125,000 1 $ 41,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ 10,000,000 1 $ 190,000
Clearpath Lending
15615 ALTON PARKWAY SUITE 300
IRVINE, CA 92618
* $ 10,000,000 1 $ 109,000
The Park National Bank
50 N THIRD STREET
NEWARK, OH 43055
* $ 7,236,717,000 1 $ 116,000
Peoples Bank
4831 W 6TH ST
LAWRENCE, KS 66049
* $ 451,930,000 1 $ 258,000
Inlanta Mortgage, Inc.
W239 N3490 PEWAUKEE ROAD, STE.200
PEWAUKEE, WI 53072
* $ 39,000,000 1 $ 68,000
Michigan First Mortgage Inc
6501 HIGHLAND RD
WATERFORD, MI 48327
* $ 764,593,751,000 1 $ 44,000
Horizon Bank, N.A.
515 FRANKLIN ST
MICHIGAN CITY, IN 46360
* $ 2,647,596,000 1 $ 37,000
Genisys Credit Union
2100 EXECUTIVE HILLS BLVD
AUBURN HILLS, MI 48326
* $ 2,002,110,000 1 $ 71,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 108,064,717,000 1 $ 55,000
Zeal Credit Union
17250 NEWBURGH
LIVONIA, MI 48152
* $ 531,799,000 1 $ 45,000
Aac Credit Union
904 BROADWAY NW
GRAND RAPIDS, MI 49504
* $ 116,232,000 1 $ 15,000
Preferred Credit Union
3767 SPARKS DR SE
GRAND RAPIDS, MI 49546
* $ 162,437,000 1 $ 8,000
Advancial Federal Credit Union
1845 WOODALL RODGERS FWY, SUITE 1300
DALLAS, TX 75231
* $ 1,251,539,000 1 $ 100,000
River Valley Credit Union
PO BOX 493
ADA, MI 49301
* $ 84,842,000 1 $ 130,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 73,279,079,000 1 $ 28,000
Together Credit Union
MICHAEL DOUGHERTY
423 LYNCH STREET, MO 63118
* $ 1,552,519,000 1 $ 58,000
Profed Federal Credit Union
1710 ST. JOE RIVER DR.
FORT WAYNE, IN 46805
* $ 388,871,000 1 $ 146,000
Talmer B&Tc
2301 W BIG BEAVER RD
TROY, MI 48084
* $ 6,586,459,000 1 $ 196,000
United Federal Credit Union
2807 SOUTH STATE ST
ST. JOSEPH, MI 49085
* $ 2,013,151,000 1 $ 105,000
Gerber Federal Credit Union
508 STATE STREET PO BOX 116
FREMONT, MI 49412
* $ 132,767,000 1 $ 80,000
Stifel Bank & Trust
501 N BROADWAY
ST LOUIS, MO 63141
* $ 7,273,809,000 1 $ 175,000
Edgewater Bank
321 MAIN STREET
SAINT JOSEPH, MI 49085
* $ 135,353,000 1 $ 104,000
First State Bank of Decatur
124 S PHELPS ST
DECATUR, MI 49045
* $ 56,101,000 1 $ 150,000
Comerica Bank

FARMINGTON HILLS, MI 48331
* $ 71,861,217,000 1 $ 101,000
Tcf National Bank
2508 LOUISE AVE S (PCC-2E-L)
SIOUX FALLS, SD 57106
* $ 20,703,184,000 1 $ 8,000
Arvest Bank

TULSA, OK 74103
* $ 15,843,566,000 1 $ 51,000
Flagstar Bank NA

TROY, MI 49098
* $ 13,649,486,000 1 $ 96,000
Towne Mortgage Company
888 WEST BIG BEAVER ROAD SUITE 310
TROY, MI 48084
* $ 35,475,880,000 1 $ 39,000
Vandyk Mortgage Corporation
2449 CAMELOT CT SE
GRAND RAPIDS, MI 49546
* $ 10,000,000 1 $ 136,000
First National Bank of America
241 EAST SAGINAW
EAST LANSING, MI 48823
* $ 822,669,000 1 $ 20,000
Michigan Mutual, Inc
911 MILITARY STREET
PORT HURON, MI 48060
* $ 35,000,000,000 1 $ 54,000
Prospect Mortgage, LLC
15301 VENTURA BLVD SUITE D300
SHERMAN OAKS, CA 91403
* $ 10,000,000 1 $ 183,000
1st Alliance Lending, LLC
111 FOUNDERS PLAZA, SUITE 1300
EAST HARTFORD, CT 06108
* $ 3,285,000 1 $ 71,000
Nations Direct Mortgage, LLC
2475 VILLAGE VIEW DRIVE SUITE 100
HENDERSON, NV 89074
* $ 11,000,000 1 $ 130,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ 945,758,000 1 $ 66,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ 40,000,000 1 $ 139,000
Oceanside Mortgage Company
55 MAIN ST
TOMS RIVER, NJ 08753
* $ 10,000,000 1 $ 91,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ 10,000,000 1 $ 70,000
Success Mortgage Partners, Inc
1200 S. SHELDON RD.
PLYMOUTH, MI 48170
* $ 1,912,000 1 $ 230,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ 10,000,000 1 $ 136,000
Top Flite Financial, Inc.
123 E GRAND RIVER AVE
WILLIAMSTON, MI 48895
* $ 40,394,000 1 $ 83,000
360 Mortgage Group, LLC
11305 FOUR POINTS DRIVE, BLDG 1, #200
AUSTIN, TX 78726
* $ 10,000,000 1 $ 110,000
Evolve Bank & Trust
6000 POPLAR AVENUE SUITE 300
MEMPHIS, TN 38119
* $ 367,680,000 1 $ 59,000
Journey Federal Credit Union
1200 ZEEB DRIVE
ST. JOHNS, MI 48879
* $ 100,648,000 1 $ 5,000
Honor Credit Union
EDGEWOOD RD
BERRIEN SPRINGS, MI 49103
* $ 665,023,000 1 $ 110,000
Community Choice Credit Union
31155 NORTHWESTERN HWY
FARMINGTON HILLS, MI 48334
* $ 735,994,000 1 $ 125,000
Ifreedom Direct Corporation
124 N. CHARLES LINDBERGH DRIVE
SLC, UT 84116
* $ 10,000,000 1 $ 129,000
The State Bank & Trust Company
401 CLINTON STREET
DEFIANCE, OH 43512
* $ 731,365,000 1 $ 34,000
Click N' Close, Inc.
15301 SPECTRUM DRIVE, SUITE 405
ADDISON, TX 75001
* $ 11,000,000 1 $ 60,000
Ruoff Mortgage Company
1700 MAGNAVOX WAY SUITE 220
FORT WAYNE, IN 46804
* $ 10,000,000 1 $ 116,000
Pacor Mortgage Corp
14930 CICERO AVE
OAK FOREST, IL 60452
* $ 14,292,000 1 $ 114,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ 10,000,000 1 $ 124,000
Wildfire Credit Union
6640 BAY RD
SAGINAW, MI 48605
* $ 695,705,000 1 $ 20,000
Michigan First Credit Union
27000 EVERGREEN
LATHRUP VILLAGE, MI 48076
* $ 764,673,000 1 $ 29,000
Advia Credit Union
550 S RIVERVIEW DR
KALAMAZOO, MI 49009
* $ 1,184,075,000 1 $ 3,000
Vibe Credit Union
1375 N OAKLAND BLVD
NOVI, MI 48377
* $ 307,607,000 1 $ 59,000
Elga Credit Union
2303 S. CENTER ROAD
GRAND BLANC, MI 48439
* $ 438,084,000 1 $ 28,000
Members First Credit Union
PO BOX 2165
MIDLAND, MI 48640
* $ 370,414,000 1 $ 71,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ 10,000,000 1 $ 45,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ 1,000,000,000 1 $ 116,000

The tables below break down 2016 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 2016

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 206 $21,313,000 $103,000 $495,000 $81,000 $459,000
Refinancing 166 $15,294,000 $92,000 $708,000 $70,000 $708,000
Home Improvement 28 $1,012,000 $36,000 $144,000 $69,000 $375,000

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 303 $28,920,000 $95,000 $708,000 $77,000 $459,000
Not Provided 42 $3,941,000 $93,000 $187,000 $88,000 $375,000
Not applicable 26 $2,283,000 $87,000 $275,000 $12,000 $160,000
Black or African American 20 $1,537,000 $76,000 $265,000 $65,000 $143,000
American Indian or Alaskan Native 5 $456,000 $91,000 $129,000 $201,000 $708,000
Asian 2 $116,000 $58,000 $58,000 $97,000 $175,000
Hispanic 2 $366,000 $183,000 $230,000 $106,000 $131,000
Native Hawaiin 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) 303 $28,433,000 $93,000 $708,000 $87,000 $708,000
FHA-insured (Federal Housing Administration) 55 $4,882,000 $88,000 $190,000 $38,000 $118,000
VA-guaranteed (Veterans Administration) 32 $3,348,000 $104,000 $265,000 $39,000 $97,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 10 $956,000 $95,000 $146,000 $35,000 $89,000

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 198 $19,584,000 $98,000 $495,000 $88,000 $459,000
Application Denied By Financial Institution 98 $8,680,000 $88,000 $708,000 $70,000 $708,000
Application Withdrawn By Applicant 55 $4,976,000 $90,000 $258,000 $65,000 $365,000
Loan Purchased By The Institution 28 $2,749,000 $98,000 $275,000 $27,000 $160,000
File Closed For Incompleteness 12 $1,092,000 $91,000 $230,000 $68,000 $350,000
Application Approved But Not Accepted 9 $538,000 $59,000 $146,000 $77,000 $250,000
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 25 $2,803,000 $112,000 $708,000 $53,000 $116,000
Debt-To-Income Ratio 13 $903,000 $69,000 $135,000 $58,000 $128,000
Credit History 11 $601,000 $54,000 $89,000 $86,000 $380,000
Credit Application Incomplete 6 $687,000 $114,000 $171,000 $118,000 $375,000
Other 4 $233,000 $58,000 $104,000 $112,000 $350,000
Employment History 3 $244,000 $81,000 $136,000 $77,000 $137,000
Unverifiable Information 1 $29,000 $29,000 $29,000 $130,000 $130,000
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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