Luce County, MI Mortgage Lenders & HMDA Data, 2012
In 2012, lenders reported 141 mortgage applications in Luce County, MI totaling $13.1 million, up 26% from 2011. The average application was for $92,000, and applicants reported an average income of $70,000. 57% of applications resulted in an originated loan and 23% were denied. The most active lender was Mbank, with 38 applications, followed by Wells Fargo Bank NA and JPMorgan Chase Bank, NA.
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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 | $13,107,000 |
| Average Mortgage Loan Application Amount | $92,000 |
| Highest Mortgage Loan Application Amount | $288,000 |
| Average Applicant Income | $70,000 |
| Highest Applicant Income | $433,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Mbank 130 S CEDAR ST MANISTIQUE, MI 49854 |
* | $ 498,255,000 | 38 | $ 2,806,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,161,490,000,000 | 26 | $ 2,240,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,811,678,000,000 | 6 | $ 506,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 114,540,379,000 | 4 | $ 483,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,459,157,302,000 | 4 | $ 266,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,288,658,000,000 | 3 | $ 479,000 |
| Fifth Third Mortgage, Mi LLC 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 48,969,000 | 3 | $ 432,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 3 | $ 254,000 |
| Hantz Bank 26200 AMERICAN DRIVE, 2ND FLOOR SOUTHFIELD, MI 48034 |
* | $ 55,071,000 | 2 | $ 255,000 |
| Ally Bank 2101 REXFORD ROAD, SUITE 350W CHARLOTTE, NC 28211 |
* | $ 85,381,954,000 | 2 | $ 246,000 |
| Lake Trust Credit Union 4605 S OLD US HIGHWAY 23 BRIGHTON, MI 48114 |
* | $ 1,516,907,000 | 2 | $ 223,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 54,183,383,000 | 2 | $ 127,000 |
| Greenstone Farm Credit Services 3515 WEST RD EAST LANSING, MI 48823 |
* | $ 10,000,000 | 2 | $ 265,000 |
| Arbor Mortgage Corporation 2311 EAST BELTLINE AVE SE 200 GRAND RAPIDS, MI 49546 |
* | $ 15,555,000 | 1 | $ 201,000 |
| Northern Ohio Investment Company 6444 MONROE STREET, SUITE 6 SYLVANIA, OH 43560 |
* | $ 10,000,000 | 1 | $ 58,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 1 | $ 67,000 |
| Mms Mortgage Services, Ltd. 38275 TWELVE MILE RD., SUITE 100 FARMINGTON HILLS, MI 48331 |
* | $ 5,598,000 | 1 | $ 73,000 |
| Michigan Mutual, Inc 911 MILITARY STREET PORT HURON, MI 48060 |
* | $ 35,000,000,000 | 1 | $ 129,000 |
| Rmc Vanguard 7670 WOODWAY, SUITE 162 HOUSTON, TX 77063 |
* | $ 20,000,000 | 1 | $ 184,000 |
| Mortgage 1 Incorporated 43456 MOUND ROAD STERLING HEIGHTS, MI 48314 |
* | $ 9,135,000 | 1 | $ 91,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 13,623,469,000 | 1 | $ 201,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 1 | $ 288,000 |
| Generation Mortgage Company 3565 PIEDMONT ROAD, NE STE. 300 ATLANTA, GA 30305 |
* | $ 73,926,000 | 1 | $ 19,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 76,887,082,000 | 1 | $ 58,000 |
| Chippewa Valley Bank 15755 W COUNTY ROAD B HAYWARD, WI 54843 |
* | $ 248,087,000 | 1 | $ 35,000 |
| United Bank and Trust 2723 S STATE ST ANN ARBOR, MI 48104 |
* | $ 883,856,000 | 1 | $ 108,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 1 | $ 103,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 263,309,559,000 | 1 | $ 56,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 168,867,640,000 | 1 | $ 73,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 14,736,579,000 | 1 | $ 26,000 |
| Metlife Bank, N.A. 1555 WEST WALNUT HILL LANE, STE. 200 IRVING, TX 75038 |
* | $ 25,513,620,000 | 1 | $ 185,000 |
| 1st State Bank PO BOX 1468 SAGINAW, MI 48605 |
* | $ 173,787,000 | 1 | $ 127,000 |
| Citizens Bank 328 S SAGINAW ST FLINT, MI 48502 |
* | $ 9,212,296,000 | 1 | $ 10,000 |
| Chemical Bank 333 E MAIN STREET MIDLAND, MI 48640 |
* | $ 5,331,931,000 | 1 | $ 103,000 |
| Financial Plus Credit Union G-3381 VAN SLYKE RD, P.O. BOX 7006 FLINT, MI 48507 |
* | $ 379,917,000 | 1 | $ 80,000 |
| Wildfire Credit Union 6640 BAY RD SAGINAW, MI 48605 |
* | $ 652,375,000 | 1 | $ 256,000 |
| Dow Credit Union 600 E. LYON ROAD P.O. BOX 1649 MIDLAND, MI 48641 |
* | $ 1,397,606,000 | 1 | $ 66,000 |
| Elga Credit Union 2303 S. CENTER ROAD GRAND BLANC, MI 48439 |
* | $ 284,756,000 | 1 | $ 49,000 |
| First Independence Bank 7310 WOODWARD AVE SUITE 101 DETROIT, MI 48202 |
* | $ 165,219,000 | 1 | $ 107,000 |
| Mortgage Center Lc 26555 EVERGREEN RD SUITE 900 SOUTHFIELD, MI 48076 |
* | $ 30,000,000 | 1 | $ 42,000 |
| One Reverse Mortgage, LLC 4445 EASTGATE MALL, SUITE 320 SAN DIEGO, CA 92121 |
* | $ 39,000,000 | 1 | $ 64,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 1 | $ 45,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ 11,000,000 | 1 | $ 74,000 |
The tables below break down 2012 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 2012
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 | 88 | $8,965,000 | $101,000 | $288,000 | $72,000 | $433,000 |
| Home Purchase | 47 | $3,946,000 | $83,000 | $256,000 | $60,000 | $189,000 |
| Home Improvement | 6 | $196,000 | $32,000 | $100,000 | $101,000 | $313,000 |
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 | 115 | $10,844,000 | $94,000 | $288,000 | $74,000 | $417,000 |
| Not Provided | 12 | $1,304,000 | $108,000 | $211,000 | $80,000 | $433,000 |
| Not applicable | 7 | $619,000 | $88,000 | $129,000 | $10,000 | $73,000 |
| American Indian or Alaskan Native | 3 | $177,000 | $59,000 | $79,000 | $32,000 | $56,000 |
| Hispanic | 2 | $14,000 | $7,000 | $10,000 | $48,000 | $68,000 |
| Asian | 1 | $20,000 | $20,000 | $20,000 | $39,000 | $39,000 |
| Black or African American | 1 | $129,000 | $129,000 | $129,000 | $81,000 | $81,000 |
| 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) | 106 | $10,011,000 | $94,000 | $288,000 | $84,000 | $433,000 |
| FHA-insured (Federal Housing Administration) | 27 | $2,262,000 | $83,000 | $161,000 | $24,000 | $92,000 |
| VA-guaranteed (Veterans Administration) | 5 | $616,000 | $123,000 | $215,000 | $57,000 | $102,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $218,000 | $72,000 | $107,000 | $10,000 | $31,000 |
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 | 81 | $7,319,000 | $90,000 | $288,000 | $80,000 | $417,000 |
| Application Denied By Financial Institution | 33 | $2,897,000 | $87,000 | $256,000 | $52,000 | $118,000 |
| Loan Purchased By The Institution | 12 | $1,089,000 | $90,000 | $169,000 | $18,000 | $127,000 |
| Application Approved But Not Accepted | 8 | $988,000 | $123,000 | $201,000 | $107,000 | $433,000 |
| Application Withdrawn By Applicant | 5 | $499,000 | $99,000 | $129,000 | $46,000 | $81,000 |
| File Closed For Incompleteness | 2 | $315,000 | $157,000 | $169,000 | $168,000 | $220,000 |
| 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 | 10 | $1,228,000 | $122,000 | $256,000 | $68,000 | $118,000 |
| Other | 3 | $312,000 | $104,000 | $165,000 | $31,000 | $54,000 |
| Credit History | 3 | $113,000 | $37,000 | $99,000 | $45,000 | $68,000 |
| Credit Application Incomplete | 2 | $262,000 | $131,000 | $185,000 | $61,000 | $69,000 |
| Unverifiable Information | 1 | $201,000 | $201,000 | $201,000 | $49,000 | $49,000 |
| Debt-To-Income Ratio | 1 | $26,000 | $26,000 | $26,000 | $30,000 | $30,000 |
| Employment History | 1 | $63,000 | $63,000 | $63,000 | $21,000 | $21,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $58,000 | $58,000 | $58,000 | $65,000 | $65,000 |
| 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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