Luce County, MI Mortgage Lenders & HMDA Data, 2009
In 2009, lenders reported 177 mortgage applications in Luce County, MI totaling $16.5 million, down 1% from 2008. The average application was for $93,000, and applicants reported an average income of $59,000. 51% of applications resulted in an originated loan and 19% were denied. The most active lender was Wells Fargo Bank, NA, with 42 applications, followed by Mbank and Bank of America, N.A..
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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 | 177 |
| Total Mortgage Loan Application Amount | $16,482,000 |
| Average Mortgage Loan Application Amount | $93,000 |
| Highest Mortgage Loan Application Amount | $417,000 |
| Average Applicant Income | $59,000 |
| Highest Applicant Income | $454,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 538,958,000,000 | 42 | $ 4,514,000 |
| Mbank 130 S CEDAR ST MANISTIQUE, MI 49854 |
* | $ 452,006,000 | 37 | $ 2,874,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,471,631,047,000 | 9 | $ 952,000 |
| Fifth Third Mortgage, Mi LLC 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 48,969,000 | 8 | $ 824,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,746,242,000,000 | 7 | $ 585,000 |
| Citifinancial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 5 | $ 212,000 |
| Arbor Mortgage Corporation 2311 EAST BELTLINE AVE SE 200 GRAND RAPIDS, MI 49546 |
* | $ 15,555,000 | 5 | $ 258,000 |
| Citibank, N.A. 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,227,040,000,000 | 4 | $ 206,000 |
| State Farm Bank 1 STATE FARM PLAZA BLOOMINGTON, IL 61710 |
* | $ 16,669,297,000 | 4 | $ 145,000 |
| First National Bank of America 241 EAST SAGINAW EAST LANSING, MI 48823 |
* | $ 409,625,000 | 3 | $ 79,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 69,459,606,000 | 3 | $ 309,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 3 | $ 229,000 |
| First State Mortgage Services 502 N HERSHEY ROAD BLOOMINGTON, IL 61704 |
* | $ 327,995,000 | 3 | $ 318,000 |
| Wolverine Bank FSB 5710 EASTMAN AVE MIDLAND, MI 48640 |
* | $ 318,836,000 | 2 | $ 168,000 |
| Harris N.A. 111 W. MONROE CHICAGO, IL 60603 |
* | $ 67,306,679,000 | 2 | $ 236,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 2 | $ 302,000 |
| The Huntington National Bank 7575 HUNTINGTON PARK DR COLUMBUS, OH 43235 |
* | $ 53,586,626,000 | 2 | $ 163,000 |
| Countrywide Bank FSB 30930 RUSSELL RANCH ROAD MS CA6-916-02-0 WESTLAKE VILLAGE, CA 91362 |
* | $ 117,978,966,000 | 2 | $ 236,000 |
| Incrediblebank 327 N 17TH AVE WAUSAU, WI 54401 |
* | $ 917,297,000 | 2 | $ 494,000 |
| The Bank of Holland 150 CENTRAL AVE HOLLAND, MI 49423 |
* | $ 602,292,000 | 1 | $ 68,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 32,882,574,000 | 1 | $ 56,000 |
| Southern Michigan Bank & Trust 51 WEST PEARL STREET COLDWATER, MI 49036 |
* | $ 331,971,000 | 1 | $ 50,000 |
| Branch Banking and Trust Co 223 W NASH STREET WILSON, NC 27893 |
* | $ 147,483,646,000 | 1 | $ 68,000 |
| Chippewa Valley Bank 15755 W COUNTY ROAD B HAYWARD, WI 54843 |
* | $ 201,171,000 | 1 | $ 79,000 |
| The Union Bank Company 105 PROGRESSIVE DRIVE COLUMBUS GROVE, OH 45830 |
* | $ 615,139,000 | 1 | $ 417,000 |
| Lafcu 106 N MARKETPLACE BLVD LANSING, MI 48917 |
* | $ 479,688,000 | 1 | $ 58,000 |
| Community Financial Credit Uni PO BOX 8050 PLYMOUTH, MI 48170 |
* | $ 426,321,000 | 1 | $ 215,000 |
| Jolt Credit Union 6180 STATE STREET SAGINAW, MI 48603 |
* | $ 227,958,000 | 1 | $ 42,000 |
| Wildfire Credit Union 6640 BAY RD SAGINAW, MI 48605 |
* | $ 454,334,000 | 1 | $ 80,000 |
| Tlc Community Credit Union 3030 S ADRIAN HWY ADRIAN, MI 49221 |
* | $ 290,265,000 | 1 | $ 98,000 |
| Lake Trust Credit Union 4605 S OLD US HIGHWAY 23 BRIGHTON, MI 48114 |
* | $ 665,197,000 | 1 | $ 86,000 |
| Mortgage Center Lc 26555 EVERGREEN RD SUITE 900 SOUTHFIELD, MI 48076 |
* | $ 30,000,000 | 1 | $ 138,000 |
| Residential Finance Corp. 401 N. FRONT STREET, SUITE 300 COLUMBUS, OH 43215 |
* | $ 17,533,484,000 | 1 | $ 87,000 |
| Mortgage Now, Inc. 1161 BROAD ST SUITE 212 SHREWSBURY, NJ 07702 |
* | $ 10,000,000 | 1 | $ 127,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 140,777,455,000 | 1 | $ 44,000 |
| Associated Bank, N.A. 200 N ADAMS ST GREEN BAY, WI 54301 |
* | $ 23,843,152,000 | 1 | $ 30,000 |
| National Bank of Kansas City 10700 NALL AVENUE OVERLAND PARK, KS 66211 |
* | $ 823,318,000 | 1 | $ 200,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 1 | $ 200,000 |
| Isabella Bank 139 E. BROADWAY MT PLEASANT, MI 48858 |
* | $ 1,083,993,000 | 1 | $ 88,000 |
| Citizens Bank 328 S SAGINAW ST FLINT, MI 48502 |
* | $ 12,266,600,000 | 1 | $ 12,000 |
| Fifth Third Bank 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 69,459,606,000 | 1 | $ 20,000 |
| Independent Mortgage Co 230 W MAIN ST IONIA, MI 48846 |
* | $ 2,953,214,000 | 1 | $ 65,000 |
| First Federal Bank 601 CLINTON STREET DEFIANCE, OH 43512 |
* | $ 1,949,553,000 | 1 | $ 80,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 32,584,979,000 | 1 | $ 148,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 14,157,838,000 | 1 | $ 174,000 |
| Admirals Bank Former Domestic 815 RESERVOIR AVE CRANSTON, RI 02910 |
* | $ 248,819,000 | 1 | $ 18,000 |
| Taylor, Bean & Whitaker 315 NE 14TH STREET OCALA, FL 34470 |
* | $ 10,000,000 | 1 | $ 137,000 |
The tables below break down 2009 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 2009
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 |
|---|---|---|---|---|---|---|
| Refinancing | 126 | $13,175,000 | $104,000 | $417,000 | $60,000 | $454,000 |
| Home Purchase | 43 | $2,755,000 | $64,000 | $186,000 | $57,000 | $184,000 |
| Home Improvement | 8 | $552,000 | $69,000 | $188,000 | $53,000 | $85,000 |
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 | 147 | $14,147,000 | $96,000 | $417,000 | $58,000 | $184,000 |
| Not Provided | 18 | $1,489,000 | $82,000 | $256,000 | $63,000 | $454,000 |
| Not applicable | 6 | $474,000 | $79,000 | $200,000 | $81,000 | $454,000 |
| American Indian or Alaskan Native | 5 | $184,000 | $36,000 | $79,000 | $37,000 | $52,000 |
| Hispanic | 1 | $188,000 | $188,000 | $188,000 | $62,000 | $62,000 |
| 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) | 127 | $11,568,000 | $91,000 | $417,000 | $68,000 | $454,000 |
| FHA-insured (Federal Housing Administration) | 36 | $3,955,000 | $109,000 | $239,000 | $33,000 | $97,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 12 | $824,000 | $68,000 | $106,000 | $37,000 | $61,000 |
| VA-guaranteed (Veterans Administration) | 2 | $135,000 | $67,000 | $68,000 | $49,000 | $57,000 |
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 | 90 | $8,710,000 | $96,000 | $266,000 | $64,000 | $454,000 |
| Application Denied By Financial Institution | 34 | $2,424,000 | $71,000 | $199,000 | $45,000 | $111,000 |
| Loan Purchased By The Institution | 23 | $2,296,000 | $99,000 | $239,000 | $45,000 | $454,000 |
| Application Withdrawn By Applicant | 17 | $1,626,000 | $95,000 | $256,000 | $59,000 | $136,000 |
| Application Approved But Not Accepted | 10 | $1,228,000 | $122,000 | $417,000 | $91,000 | $157,000 |
| File Closed For Incompleteness | 3 | $198,000 | $66,000 | $87,000 | $38,000 | $60,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 9 | $513,000 | $57,000 | $95,000 | $34,000 | $76,000 |
| Collateral | 7 | $949,000 | $135,000 | $199,000 | $46,000 | $71,000 |
| Credit Application Incomplete | 2 | $117,000 | $58,000 | $68,000 | $95,000 | $104,000 |
| Debt-To-Income Ratio | 2 | $67,000 | $33,000 | $51,000 | $16,000 | $20,000 |
| Employment History | 1 | $75,000 | $75,000 | $75,000 | $31,000 | $31,000 |
| Other | 1 | $20,000 | $20,000 | $20,000 | $25,000 | $25,000 |
| Unverifiable Information | 1 | $107,000 | $107,000 | $107,000 | $52,000 | $52,000 |
| 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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