Ccf - Auburn Hills Branch Mortgage Lending & HMDA Data, 2019
In 2019, Ccf - Auburn Hills Branch of Auburn Hills, MI reported 226 mortgage applications totaling $18.3 million, up 25% from 2018. The average application was for $80,752, and applicants reported an average income of $97,110. 44% of its applications resulted in an originated loan and 26% were denied. Its largest markets were Warren-Troy-Farmington Hills, MI (156), Toledo, OH (40) and Detroit-Dearborn-Livonia, MI (14) (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 | 226 |
| Total Mortgage Loan Application Amount | $18,250,000 |
| Average Mortgage Loan Application Amount | $80,752 |
| Highest Mortgage Loan Application Amount | $425,000 |
| Average Applicant Income | $97,110 |
| Highest Applicant Income | $377,000 |
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records Ccf - Auburn Hills Branch filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 100 | $ 9,860,000 | $ 98,600 | $ 108,000 |
| Macomb, Michigan | 44 | $ 2,970,000 | $ 67,500 | $ 82,000 |
| Wood, Ohio | 20 | $ 1,110,000 | $ 55,500 | $ 69,000 |
| Lucas, Ohio | 15 | $ 845,000 | $ 56,333 | $ 115,000 |
| Wayne, Michigan | 14 | $ 750,000 | $ 53,571 | $ 95,000 |
| Livingston, Michigan | 5 | $ 405,000 | $ 81,000 | $ 100,000 |
| St. Clair, Michigan | 4 | $ 600,000 | $ 150,000 | $ 92,000 |
| Lapeer, Michigan | 3 | $ 175,000 | $ 58,333 | $ 116,000 |
| Washtenaw, Michigan | 3 | $ 365,000 | $ 121,666 | $ 107,000 |
| Ottawa, Ohio | 3 | $ 145,000 | $ 48,333 | $ 86,000 |
| Sandusky, Ohio | 3 | $ 75,000 | $ 25,000 | $ 51,000 |
| Fulton, Ohio | 2 | $ 70,000 | $ 35,000 | $ 81,000 |
| Kane, Illinois | 1 | $ 285,000 | $ 285,000 | $ 100,000 |
| Gladwin, Michigan | 1 | $ 45,000 | $ 45,000 | $ 52,000 |
| Kalkaska, Michigan | 1 | $ 95,000 | $ 95,000 | $ 117,000 |
| Missaukee, Michigan | 1 | $ 115,000 | $ 115,000 | $ 90,000 |
| Monroe, Michigan | 1 | $ 35,000 | $ 35,000 | $ 114,000 |
| Saginaw, Michigan | 1 | $ 65,000 | $ 65,000 | $ 104,000 |
| Sanilac, Michigan | 1 | $ 135,000 | $ 135,000 | $ 130,000 |
| Van Buren, Michigan | 1 | $ 25,000 | $ 25,000 | $ 129,000 |
| Henry, Ohio | 1 | $ 35,000 | $ 35,000 | $ 60,000 |
| Beaufort, South Carolina | 1 | $ 45,000 | $ 45,000 | $ 50,000 |
Mortgage Loan Application Detail Totals for Ccf - Auburn Hills Branch in 2019
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 | 89 | $3,895,000 | $43,000 | $185,000 | $93,000 | $252,000 |
| Cash-out Refinancing | 58 | $6,080,000 | $104,000 | $365,000 | $101,000 | $218,000 |
| Refinancing | 35 | $3,495,000 | $99,000 | $305,000 | $98,000 | $377,000 |
| Other Purpose | 23 | $1,325,000 | $57,000 | $165,000 | $100,000 | $252,000 |
| Home Purchase | 20 | $3,420,000 | $171,000 | $425,000 | $101,000 | $212,000 |
| Not Applicable | 1 | $35,000 | $35,000 | $35,000 | $62,000 | $62,000 |
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 | 182 | $14,870,000 | $81,000 | $425,000 | $96,000 | $252,000 |
| Black or African American | 22 | $1,630,000 | $74,000 | $235,000 | $94,000 | $212,000 |
| Hispanic | 8 | $370,000 | $46,000 | $105,000 | $83,000 | $122,000 |
| Not Provided | 7 | $585,000 | $83,000 | $135,000 | $87,000 | $130,000 |
| Asian | 6 | $770,000 | $128,000 | $225,000 | $174,000 | $377,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 226 | $18,250,000 | $80,000 | $425,000 | $97,000 | $377,000 |
| 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 | 99 | $5,275,000 | $53,000 | $285,000 | $107,000 | $252,000 |
| Application Denied By Financial Institution | 58 | $3,250,000 | $56,000 | $225,000 | $77,000 | $212,000 |
| Loan Purchased By The Institution | 53 | $8,805,000 | $166,000 | $425,000 | $101,000 | $218,000 |
| Application Withdrawn By Applicant | 10 | $400,000 | $40,000 | $75,000 | $81,000 | $122,000 |
| Application Approved But Not Accepted | 6 | $520,000 | $86,000 | $225,000 | $126,000 | $377,000 |
| 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 | 226 | $18,250,000 | $80,000 | $425,000 | $97,000 | $377,000 |
| 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 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Ccf - Auburn Hills Branch's 2019 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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