Ccf - Auburn Hills Branch Mortgage Lending & HMDA Data, 2014
In 2014, Ccf - Auburn Hills Branch of Auburn Hills, MI reported 268 mortgage applications totaling $11.9 million, down 5% from 2013. The average application was for $44,283, and applicants reported an average income of $83,402. 73% of its applications resulted in an originated loan and 19% were denied. Its largest markets were Warren-Troy-Farmington Hills, MI (176), Toledo, OH (54) and Detroit-Dearborn-Livonia, MI (18) (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 | 268 |
| Total Mortgage Loan Application Amount | $11,868,000 |
| Average Mortgage Loan Application Amount | $44,283 |
| Highest Mortgage Loan Application Amount | $437,000 |
| Average Applicant Income | $83,402 |
| 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records Ccf - Auburn Hills Branch filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 107 | $ 6,306,000 | $ 58,934 | $ 100,000 |
| Macomb, Michigan | 66 | $ 3,733,000 | $ 56,560 | $ 82,000 |
| Lucas, Ohio | 34 | $ 349,000 | $ 10,264 | $ 69,000 |
| Wood, Ohio | 19 | $ 422,000 | $ 22,210 | $ 63,000 |
| Wayne, Michigan | 18 | $ 364,000 | $ 20,222 | $ 51,000 |
| Ottawa, Ohio | 5 | $ 144,000 | $ 28,800 | $ 54,000 |
| Monroe, Michigan | 4 | $ 44,000 | $ 11,000 | $ 82,000 |
| Kent, Michigan | 1 | $ 100,000 | $ 100,000 | $ 30,000 |
| Lapeer, Michigan | 1 | $ 65,000 | $ 65,000 | $ 25,000 |
| Livingston, Michigan | 1 | $ 20,000 | $ 20,000 | $ 83,000 |
| Sanilac, Michigan | 1 | $ 100,000 | $ 100,000 | $ 68,000 |
| St. Clair, Michigan | 1 | $ 6,000 | $ 6,000 | $ 78,000 |
| Washtenaw, Michigan | 1 | $ 20,000 | $ 20,000 | $ 66,000 |
| Allen, Ohio | 1 | $ 84,000 | $ 84,000 | $ 31,000 |
| Auglaize, Ohio | 1 | $ 8,000 | $ 8,000 | $ 60,000 |
| Delaware, Ohio | 1 | $ 2,000 | $ 2,000 | $ 92,000 |
| Fulton, Ohio | 1 | $ 43,000 | $ 43,000 | $ 10,000 |
| Marion, Ohio | 1 | $ 10,000 | $ 10,000 | $ 232,000 |
| Sandusky, Ohio | 1 | $ 5,000 | $ 5,000 | $ 61,000 |
| Seneca, Ohio | 1 | $ 12,000 | $ 12,000 | $ 87,000 |
| Charleston, South Carolina | 1 | $ 15,000 | $ 15,000 | $ 111,000 |
Mortgage Loan Application Detail Totals for Ccf - Auburn Hills Branch in 2014
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 | 172 | $3,123,000 | $18,000 | $280,000 | $78,000 | $775,000 |
| Refinancing | 88 | $7,424,000 | $84,000 | $437,000 | $92,000 | $250,000 |
| Home Purchase | 8 | $1,321,000 | $165,000 | $360,000 | $105,000 | $216,000 |
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 | 206 | $9,750,000 | $47,000 | $360,000 | $88,000 | $775,000 |
| Black or African American | 32 | $335,000 | $10,000 | $60,000 | $53,000 | $125,000 |
| Hispanic | 21 | $679,000 | $32,000 | $163,000 | $79,000 | $182,000 |
| Not Provided | 5 | $452,000 | $90,000 | $157,000 | $76,000 | $125,000 |
| Asian | 3 | $635,000 | $211,000 | $437,000 | $113,000 | $149,000 |
| American Indian or Alaskan Native | 1 | $17,000 | $17,000 | $17,000 | $35,000 | $35,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 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) | 268 | $11,868,000 | $44,000 | $437,000 | $83,000 | $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 | 196 | $9,151,000 | $46,000 | $360,000 | $82,000 | $250,000 |
| Application Denied By Financial Institution | 51 | $1,431,000 | $28,000 | $200,000 | $88,000 | $775,000 |
| Application Approved But Not Accepted | 17 | $1,219,000 | $71,000 | $437,000 | $81,000 | $165,000 |
| Application Withdrawn By Applicant | 2 | $10,000 | $5,000 | $6,000 | $89,000 | $120,000 |
| File Closed For Incompleteness | 2 | $57,000 | $28,000 | $32,000 | $77,000 | $92,000 |
| Loan Purchased By The Institution | 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 |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 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 2014 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.
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