Ccf - Auburn Hills Branch Mortgage Lending & HMDA Data, 2013
In 2013, Ccf - Auburn Hills Branch of Auburn Hills, MI reported 281 mortgage applications totaling $12.9 million. The average application was for $45,882, and applicants reported an average income of $82,565. 76% of its applications resulted in an originated loan and 10% were denied. Its largest markets were Warren-Troy-Farmington Hills, MI (177), Toledo, OH (62) and Detroit-Livonia-Dearborn, MI (21) (applications in parentheses).
| Mortgage Company & Address | Ccf - Auburn Hills Branch 2955 University Drive Auburn Hills, MI 48326 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 |
| Total Number of Mortgage Applications | 281 |
| Total Mortgage Loan Application Amount | $12,893,000 |
| Average Mortgage Loan Application Amount | $45,882 |
| Highest Mortgage Loan Application Amount | $496,000 |
| Average Applicant Income | $82,565 |
| Highest Applicant Income | $775,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Ccf - Auburn Hills Branch filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Oakland, Michigan | 106 | $ 8,215,000 | $ 77,500 | $ 102,000 |
| Macomb, Michigan | 58 | $ 2,505,000 | $ 43,189 | $ 79,000 |
| Lucas, Ohio | 32 | $ 314,000 | $ 9,812 | $ 55,000 |
| Wood, Ohio | 27 | $ 413,000 | $ 15,296 | $ 59,000 |
| Wayne, Michigan | 21 | $ 241,000 | $ 11,476 | $ 53,000 |
| Lapeer, Michigan | 8 | $ 339,000 | $ 42,375 | $ 78,000 |
| St. Clair, Michigan | 3 | $ 31,000 | $ 10,333 | $ 60,000 |
| Arenac, Michigan | 2 | $ 9,000 | $ 4,500 | $ 26,000 |
| Genesee, Michigan | 2 | $ 34,000 | $ 17,000 | $ 144,000 |
| Livingston, Michigan | 2 | $ 64,000 | $ 32,000 | $ 53,000 |
| Monroe, Michigan | 2 | $ 67,000 | $ 33,500 | $ 97,000 |
| Fulton, Ohio | 2 | $ 165,000 | $ 82,500 | $ 83,000 |
| Lee, Florida | 1 | $ 8,000 | $ 8,000 | $ 83,000 |
| Vanderburgh, Indiana | 1 | $ 225,000 | $ 225,000 | $ 196,000 |
| Branch, Michigan | 1 | $ 48,000 | $ 48,000 | $ 45,000 |
| Kent, Michigan | 1 | $ 25,000 | $ 25,000 | $ 55,000 |
| Mecosta, Michigan | 1 | $ 71,000 | $ 71,000 | $ 58,000 |
| Washtenaw, Michigan | 1 | $ 5,000 | $ 5,000 | $ 60,000 |
| Allen, Ohio | 1 | $ 36,000 | $ 36,000 | $ 73,000 |
| Cuyahoga, Ohio | 1 | $ 10,000 | $ 10,000 | $ 53,000 |
| Delaware, Ohio | 1 | $ 3,000 | $ 3,000 | $ 92,000 |
| Ottawa, Ohio | 1 | $ 2,000 | $ 2,000 | $ 46,000 |
| Seneca, Ohio | 1 | $ 2,000 | $ 2,000 | $ 36,000 |
| Wayne, Ohio | 1 | $ 3,000 | $ 3,000 | $ 30,000 |
| Beaufort, South Carolina | 1 | $ 15,000 | $ 15,000 | $ 111,000 |
Mortgage Loan Application Detail Totals for Ccf - Auburn Hills Branch in 2013
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 Improvement | 182 | $2,587,000 | $14,000 | $160,000 | $70,000 | $600,000 |
| Refinancing | 87 | $8,210,000 | $94,000 | $496,000 | $107,000 | $775,000 |
| Home Purchase | 12 | $2,096,000 | $174,000 | $385,000 | $96,000 | $237,000 |
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 | 220 | $10,588,000 | $48,000 | $417,000 | $87,000 | $775,000 |
| Black or African American | 35 | $488,000 | $13,000 | $140,000 | $52,000 | $114,000 |
| Hispanic | 14 | $432,000 | $30,000 | $195,000 | $62,000 | $184,000 |
| Asian | 6 | $838,000 | $139,000 | $496,000 | $128,000 | $321,000 |
| Not Provided | 4 | $300,000 | $75,000 | $262,000 | $126,000 | $210,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $247,000 | $123,000 | $207,000 | $64,000 | $79,000 |
| Not applicable | 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) | 281 | $12,893,000 | $45,000 | $496,000 | $82,000 | $775,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 214 | $8,300,000 | $38,000 | $496,000 | $79,000 | $775,000 |
| Application Denied By Financial Institution | 29 | $484,000 | $16,000 | $157,000 | $72,000 | $600,000 |
| Loan Purchased By The Institution | 24 | $3,649,000 | $152,000 | $385,000 | $117,000 | $237,000 |
| Application Withdrawn By Applicant | 8 | $276,000 | $34,000 | $160,000 | $94,000 | $180,000 |
| Application Approved But Not Accepted | 6 | $184,000 | $30,000 | $72,000 | $80,000 | $105,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 3 | $28,000 | $9,000 | $12,000 | $92,000 | $144,000 |
| Credit History | 1 | $8,000 | $8,000 | $8,000 | $83,000 | $83,000 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Ccf - Auburn Hills Branch's 2013 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Ccf - Auburn Hills Branch's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Michigan, download the full spreadsheet
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