Ccf - Auburn Hills Branch Mortgage Lending & HMDA Data, 2022
In 2022, Ccf - Auburn Hills Branch of Auburn Hills, MI reported 167 mortgage applications totaling $15.1 million, down 13% from 2021. The average application was for $90,389, and applicants reported an average income of $99,467. 34% of its applications resulted in an originated loan and 40% were denied. Its largest markets were Warren-Troy-Farmington Hills, MI (78), Toledo, OH (52) and Detroit-Dearborn-Livonia, MI (12) (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 | 167 |
| Total Mortgage Loan Application Amount | $15,095,000 |
| Average Mortgage Loan Application Amount | $90,389 |
| Highest Mortgage Loan Application Amount | $645,000 |
| Average Applicant Income | $99,467 |
| Highest Applicant Income | $316,000 |
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records Ccf - Auburn Hills Branch filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for Ccf - Auburn Hills Branch in 2022
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 | 64 | $3,460,000 | $54,000 | $135,000 | $88,000 | $234,000 |
| Other Purpose | 43 | $2,035,000 | $47,000 | $95,000 | $93,000 | $237,000 |
| Home Purchase | 28 | $6,120,000 | $218,000 | $645,000 | $160,000 | $316,000 |
| Cash-out Refinancing | 26 | $2,800,000 | $107,000 | $325,000 | $86,000 | $189,000 |
| Refinancing | 6 | $680,000 | $113,000 | $245,000 | $44,000 | $44,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 96 | $7,030,000 | $73,000 | $605,000 | $100,000 | $316,000 |
| Not applicable | 35 | $5,755,000 | $164,000 | $645,000 | $0 | $0 |
| Black or African American | 17 | $665,000 | $39,000 | $65,000 | $63,000 | $189,000 |
| Not Provided | 13 | $1,385,000 | $106,000 | $425,000 | $120,000 | $288,000 |
| Hispanic | 4 | $170,000 | $42,000 | $65,000 | $55,000 | $77,000 |
| Asian | 2 | $90,000 | $45,000 | $55,000 | $84,000 | $134,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 167 | $15,095,000 | $90,000 | $645,000 | $96,000 | $316,000 |
| 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 |
|---|---|---|---|---|---|---|
| Application Denied By Financial Institution | 66 | $4,510,000 | $68,000 | $605,000 | $83,000 | $234,000 |
| Loan Originated | 56 | $4,220,000 | $75,000 | $435,000 | $114,000 | $316,000 |
| Loan Purchased By The Institution | 35 | $5,755,000 | $164,000 | $645,000 | $0 | $0 |
| Application Withdrawn By Applicant | 9 | $585,000 | $65,000 | $185,000 | $81,000 | $142,000 |
| File Closed For Incompleteness | 1 | $25,000 | $25,000 | $25,000 | $36,000 | $36,000 |
| Application Approved But Not Accepted | 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 | 122 | $7,370,000 | $60,000 | $605,000 | $92,000 | $237,000 |
| Not applicable | 45 | $7,725,000 | $171,000 | $645,000 | $147,000 | $316,000 |
| 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 |
| 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Ccf - Auburn Hills Branch's 2022 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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