Luce County, MI Mortgage Lenders & HMDA Data, 2010
In 2010, lenders reported 141 mortgage applications in Luce County, MI totaling $12.0 million, down 20% from 2009. The average application was for $85,000, and applicants reported an average income of $72,000. 53% of applications resulted in an originated loan and 23% were denied. The most active lender was Wells Fargo Bank, NA, with 35 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 | 141 |
| Total Mortgage Loan Application Amount | $12,009,000 |
| Average Mortgage Loan Application Amount | $85,000 |
| Highest Mortgage Loan Application Amount | $226,000 |
| Average Applicant Income | $72,000 |
| Highest Applicant Income | $415,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Wells Fargo Bank, NA 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 608,778,000,000 | 35 | $ 3,476,000 |
| Mbank 130 S CEDAR ST MANISTIQUE, MI 49854 |
* | $ 515,515,000 | 31 | $ 1,819,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,465,221,449,000 | 10 | $ 912,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,627,684,000,000 | 7 | $ 725,000 |
| Fifth Third Mortgage, Mi LLC 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 48,969,000 | 7 | $ 962,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 112,736,105,000 | 5 | $ 682,000 |
| Fifth Third Bank 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 112,736,105,000 | 4 | $ 234,000 |
| Citifinancial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 3 | $ 89,000 |
| First Independence Bank 7310 WOODWARD AVE SUITE 101 DETROIT, MI 48202 |
* | $ 159,260,000 | 2 | $ 139,000 |
| First Place Bank 185 EAST MARKET WARREN, OH 44481 |
* | $ 3,245,297,000 | 2 | $ 133,000 |
| Thrivent Financial Bank 122 EAST COLLEGE AVE., SUITE 1E APPLETON, WI 54911 |
* | $ 548,648,000 | 1 | $ 128,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 1 | $ 59,000 |
| State Farm Bank 1 STATE FARM PLAZA BLOOMINGTON, IL 61710 |
* | $ 16,157,711,000 | 1 | $ 26,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 260,309,849,000 | 1 | $ 130,000 |
| Firstmerit Mortgage Corp III CASCADE PLAZA, CAS46 AKRON, OH 44308 |
* | $ 6,000,000,000 | 1 | $ 80,000 |
| Citizens Bank 328 S SAGINAW ST FLINT, MI 48502 |
* | $ 11,336,105,000 | 1 | $ 3,000 |
| Chemical Bank 333 E MAIN STREET MIDLAND, MI 48640 |
* | $ 4,243,065,000 | 1 | $ 103,000 |
| Midland States Bank 1201 NETWORK CENTRE DRIVE EFFINGHAM, IL 62401 |
* | $ 1,139,962,000 | 1 | $ 156,000 |
| National Bank of St Anne 158 WEST STATION ST ST ANNE, IL 60964 |
* | $ 44,286,000 | 1 | $ 78,000 |
| First National Bank of America 241 EAST SAGINAW EAST LANSING, MI 48823 |
* | $ 475,815,000 | 1 | $ 26,000 |
| United Bank and Trust 2723 S STATE ST ANN ARBOR, MI 48104 |
* | $ 512,610,000 | 1 | $ 120,000 |
| Incrediblebank 327 N 17TH AVE WAUSAU, WI 54401 |
* | $ 951,759,000 | 1 | $ 226,000 |
| Bank of Ann Arbor 1333 W ANN ARBOR ROAD ANN ARBOR, MI 48104 |
* | $ 543,312,000 | 1 | $ 71,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 55,302,902,000 | 1 | $ 57,000 |
| First Federal Bank 601 CLINTON STREET DEFIANCE, OH 43512 |
* | $ 2,051,628,000 | 1 | $ 54,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 37,922,355,000 | 1 | $ 54,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 14,483,100,000 | 1 | $ 124,000 |
| Community Financial Credit Uni PO BOX 8050 PLYMOUTH, MI 48170 |
* | $ 456,765,000 | 1 | $ 195,000 |
| Financial Plus Credit Union G-3381 VAN SLYKE RD, P.O. BOX 7006 FLINT, MI 48507 |
* | $ 374,412,000 | 1 | $ 50,000 |
| Wildfire Credit Union 6640 BAY RD SAGINAW, MI 48605 |
* | $ 538,520,000 | 1 | $ 37,000 |
| Freestar Financial Credit Union PO BOX 2800 MT. CLEMENS, MI 48046 |
* | $ 153,145,000 | 1 | $ 34,000 |
| Security Credit Union 5255 SECURITY PARK BLVD HOLLY, MI 48442 |
* | $ 356,477,000 | 1 | $ 34,000 |
| Lake Trust Credit Union 4605 S OLD US HIGHWAY 23 BRIGHTON, MI 48114 |
* | $ 681,978,000 | 1 | $ 40,000 |
| Mycumortgage 3560 PENTAGON BLVD. SUITE 301 BEAVERCREEK, OH 45431 |
* | $ 1,159,238,000 | 1 | $ 45,000 |
| Qr Lending Inc 555 ZOR SHRINE PLACE MADISON, WI 53719 |
* | $ 1,093,327,000 | 1 | $ 78,000 |
| Neighborhood Mortgage Solutions, LLC PO BOX 209 544 N MAIN ST FRANKENMUTH, MI 48734 |
* | $ 77,551,000 | 1 | $ 57,000 |
| Amera Mortgage Corporation 1050 CORPORATE OFFICE DRIVE, STE 250 MILFORD, MI 48381 |
* | $ 1,300,000,000 | 1 | $ 101,000 |
| Mortgage 1 Incorporated 43456 MOUND ROAD STERLING HEIGHTS, MI 48314 |
* | $ 9,135,000 | 1 | $ 62,000 |
The tables below break down 2010 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 2010
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 | 91 | $8,674,000 | $95,000 | $226,000 | $75,000 | $415,000 |
| Home Purchase | 46 | $3,166,000 | $68,000 | $211,000 | $68,000 | $356,000 |
| Home Improvement | 4 | $169,000 | $42,000 | $100,000 | $61,000 | $126,000 |
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 | 132 | $11,236,000 | $85,000 | $226,000 | $73,000 | $415,000 |
| Not Provided | 8 | $708,000 | $88,000 | $195,000 | $59,000 | $140,000 |
| Hispanic | 1 | $65,000 | $65,000 | $65,000 | $36,000 | $36,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 105 | $9,006,000 | $85,000 | $226,000 | $81,000 | $415,000 |
| FHA-insured (Federal Housing Administration) | 22 | $1,867,000 | $84,000 | $187,000 | $45,000 | $120,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 9 | $727,000 | $80,000 | $180,000 | $41,000 | $61,000 |
| VA-guaranteed (Veterans Administration) | 5 | $409,000 | $81,000 | $110,000 | $78,000 | $135,000 |
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 | 75 | $6,574,000 | $87,000 | $226,000 | $72,000 | $356,000 |
| Application Denied By Financial Institution | 33 | $2,761,000 | $83,000 | $200,000 | $69,000 | $270,000 |
| Loan Purchased By The Institution | 12 | $1,070,000 | $89,000 | $187,000 | $62,000 | $136,000 |
| Application Withdrawn By Applicant | 10 | $932,000 | $93,000 | $211,000 | $110,000 | $415,000 |
| Application Approved But Not Accepted | 9 | $552,000 | $61,000 | $128,000 | $57,000 | $144,000 |
| File Closed For Incompleteness | 2 | $120,000 | $60,000 | $63,000 | $83,000 | $90,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 13 | $1,346,000 | $103,000 | $200,000 | $72,000 | $162,000 |
| Debt-To-Income Ratio | 5 | $621,000 | $124,000 | $159,000 | $46,000 | $67,000 |
| Credit History | 4 | $230,000 | $57,000 | $97,000 | $38,000 | $61,000 |
| Employment History | 1 | $65,000 | $65,000 | $65,000 | $32,000 | $32,000 |
| Credit Application Incomplete | 1 | $87,000 | $87,000 | $87,000 | $144,000 | $144,000 |
| Other | 1 | $56,000 | $56,000 | $56,000 | $32,000 | $32,000 |
| Unverifiable Information | 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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