Luce County, MI Mortgage Lenders & HMDA Data, 2025
In 2025, lenders reported 147 mortgage applications in Luce County, MI totaling $21.1 million, up 30% from 2024. The average application was for $143,000, and applicants reported an average income of $106,000. 54% of applications resulted in an originated loan and 18% were denied. The most active lender was Nicolet National Bank, with 22 applications, followed by Mortgage Research Center and Amerisave Mortgage Company.
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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 | 147 |
| Total Mortgage Loan Application Amount | $21,135,000 |
| Average Mortgage Loan Application Amount | $143,000 |
| Highest Mortgage Loan Application Amount | $465,000 |
| Average Applicant Income | $106,000 |
| Highest Applicant Income | $671,000 |
* 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 |
|---|---|---|---|---|
| Nicolet National Bank 111 N WASHINGTON ST GREEN BAY, WI 54301 |
* | $ n/a | 22 | $ 3,650,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 9 | $ 1,475,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 6 | $ 610,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 5 | $ 1,095,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 5 | $ 595,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 5 | $ 465,000 |
| Greenstone Farm Credit Services 3515 WEST RD EAST LANSING, MI 48823 |
* | $ n/a | 5 | $ 925,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ n/a | 4 | $ 520,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 4 | $ 670,000 |
| Coastal Community Bank PO BOX 12220 EVERETT, WA 98203 |
* | $ n/a | 4 | $ 160,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 3 | $ 785,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ n/a | 3 | $ 425,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ n/a | 3 | $ 105,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ n/a | 2 | $ 290,000 |
| Security Credit Union 5255 SECURITY PARK BLVD HOLLY, MI 48442 |
* | $ n/a | 2 | $ 150,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ n/a | 2 | $ 60,000 |
| Guaranteed Rate Affinity, LLC 1800 WEST LARCHMONT AVE CHICAGO, IL 60613 |
* | $ n/a | 2 | $ 210,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ n/a | 2 | $ 570,000 |
| Stride Bank, National Association 324 WEST BROADWAY AVENUE ENID, OK 73701 |
* | $ n/a | 2 | $ 230,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ n/a | 2 | $ 230,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ n/a | 2 | $ 200,000 |
| Mercantile Bank 310 LEONARD STREET NORTH WEST GRAND RAPIDS, MI 49504 |
* | $ n/a | 2 | $ 570,000 |
| Blg Holdings, LLC 2353 S. LINDEN RD. SUITE A FLINT, MI 48507 |
* | $ n/a | 2 | $ 200,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 2 | $ 380,000 |
| Canopy Mortgage, LLC 360 TECHNOLOGY COURT STE. 200 LINDON, UT 84003 |
* | $ n/a | 2 | $ 450,000 |
| Mortgage Center Lc 26555 EVERGREEN RD SUITE 900 SOUTHFIELD, MI 48076 |
* | $ n/a | 2 | $ 280,000 |
| Consumers Credit Union PO BOX 525 KALAMAZOO, MI 49009 |
* | $ n/a | 1 | $ 55,000 |
| True Community Credit Union 1100 CLINTON RD JACKSON, MI 49202 |
* | $ n/a | 1 | $ 85,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ n/a | 1 | $ 65,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ n/a | 1 | $ 155,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ n/a | 1 | $ 125,000 |
| Member First Mortgage, LLC 616 44TH STREET SE GRAND RAPIDS, MI 49548 |
* | $ n/a | 1 | $ 75,000 |
| Gold Star Mortgage Financial Group, Corporation 2350 GREEN ROAD SUITE 100B ANN ARBOR, MI 48105 |
* | $ n/a | 1 | $ 135,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ n/a | 1 | $ 185,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 1 | $ 305,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ n/a | 1 | $ 165,000 |
| Legacy Mortgage 1537 E HILL RD SUITE 100 GRAND BLANC, MI 48439 |
* | $ n/a | 1 | $ 265,000 |
| Range Bank 100 N FRONT ST MARQUETTE, MI 49855 |
* | $ n/a | 1 | $ 355,000 |
| Dart Bank 368 S. PARK ST. MASON, MI 48854 |
* | $ n/a | 1 | $ 225,000 |
| Luminate Bank 2523 SOUTH WAYZATA BOULEVARD SUITE 100 MINNEAPOLIS, MN 55405 |
* | $ n/a | 1 | $ 165,000 |
| Calcon Mutual Mortgage LLC 3131 CAMINO DEL RIO N SUITE 1680 SAN DIEGO, CA 92108 |
* | $ n/a | 1 | $ 85,000 |
| Kellogg Community Credit Union 41 SECOND ST BATTLE CREEK, MI 49014 |
* | $ n/a | 1 | $ 35,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ n/a | 1 | $ 85,000 |
| Summit Credit Union PO BOX 8046 COTTAGE GROVE, WI 53527 |
* | $ n/a | 1 | $ 235,000 |
| Honor Credit Union EDGEWOOD RD BERRIEN SPRINGS, MI 49103 |
* | $ n/a | 1 | $ 315,000 |
| Dow Credit Union 600 E. LYON ROAD P.O. BOX 1649 MIDLAND, MI 48641 |
* | $ n/a | 1 | $ 165,000 |
| Farmers State Bank 220 S. DETROIT STREET LAGRANGE, IN 46761 |
* | $ n/a | 1 | $ 195,000 |
| Vibe Credit Union 1375 N OAKLAND BLVD NOVI, MI 48377 |
* | $ n/a | 1 | $ 45,000 |
| Credit Union One 400 E NINE MILE RD FERNDALE, MI 48220 |
* | $ n/a | 1 | $ 65,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ n/a | 1 | $ 45,000 |
| Elga Credit Union 2303 S. CENTER ROAD GRAND BLANC, MI 48439 |
* | $ n/a | 1 | $ 55,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ n/a | 1 | $ 55,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ n/a | 1 | $ 75,000 |
| Mortgage 1 Incorporated 43456 MOUND ROAD STERLING HEIGHTS, MI 48314 |
* | $ n/a | 1 | $ 105,000 |
The tables below break down 2025 mortgage applications in Luce 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 Luce County, MI in 2025
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 | 77 | $13,395,000 | $173,000 | $465,000 | $130,000 | $671,000 |
| Other Purpose | 22 | $1,680,000 | $76,000 | $175,000 | $70,000 | $289,000 |
| Cash-out Refinancing | 21 | $2,535,000 | $120,000 | $325,000 | $76,000 | $245,000 |
| Refinancing | 16 | $2,750,000 | $171,000 | $405,000 | $114,000 | $564,000 |
| Home Improvement | 10 | $710,000 | $71,000 | $155,000 | $69,000 | $125,000 |
| Not Applicable | 1 | $65,000 | $65,000 | $65,000 | $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 | 104 | $15,130,000 | $145,000 | $465,000 | $98,000 | $570,000 |
| Not Provided | 21 | $2,675,000 | $127,000 | $275,000 | $105,000 | $564,000 |
| Not applicable | 11 | $1,795,000 | $163,000 | $295,000 | $571,000 | $571,000 |
| American Indian or Alaskan Native | 10 | $1,500,000 | $150,000 | $315,000 | $149,000 | $671,000 |
| Hispanic | 1 | $35,000 | $35,000 | $35,000 | $56,000 | $56,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 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) | 100 | $13,300,000 | $133,000 | $465,000 | $121,000 | $671,000 |
| FHA-insured (Federal Housing Administration) | 26 | $3,610,000 | $138,000 | $295,000 | $61,000 | $129,000 |
| VA-guaranteed (Veterans Administration) | 19 | $4,025,000 | $211,000 | $325,000 | $79,000 | $131,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $200,000 | $100,000 | $135,000 | $49,000 | $49,000 |
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 | 80 | $12,470,000 | $155,000 | $455,000 | $124,000 | $671,000 |
| Application Denied By Financial Institution | 27 | $3,045,000 | $112,000 | $225,000 | $65,000 | $168,000 |
| Application Withdrawn By Applicant | 15 | $2,265,000 | $151,000 | $465,000 | $99,000 | $300,000 |
| Loan Purchased By The Institution | 12 | $1,690,000 | $140,000 | $295,000 | $208,000 | $571,000 |
| File Closed For Incompleteness | 8 | $1,070,000 | $133,000 | $325,000 | $67,000 | $125,000 |
| Application Approved But Not Accepted | 5 | $595,000 | $119,000 | $275,000 | $54,000 | $78,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 116 | $17,500,000 | $150,000 | $465,000 | $117,000 | $671,000 |
| Debt-To-Income Ratio | 11 | $1,265,000 | $115,000 | $355,000 | $64,000 | $127,000 |
| Credit History | 7 | $655,000 | $93,000 | $175,000 | $61,000 | $118,000 |
| Collateral | 6 | $730,000 | $121,000 | $215,000 | $71,000 | $151,000 |
| Credit Application Incomplete | 4 | $520,000 | $130,000 | $215,000 | $99,000 | $168,000 |
| Other | 2 | $340,000 | $170,000 | $225,000 | $75,000 | $88,000 |
| Unverifiable Information | 1 | $125,000 | $125,000 | $125,000 | $32,000 | $32,000 |
| 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 |
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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