Mackinac County, MI Mortgage Lenders & HMDA Data, 2009
In 2009, lenders reported 402 mortgage applications in Mackinac County, MI totaling $62.3 million, down 9% from 2008. The average application was for $155,000, and applicants reported an average income of $93,000. 47% of applications resulted in an originated loan and 24% were denied. The most active lender was Wells Fargo Bank, NA, with 48 applications, followed by The Huntington National Bank 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 | 402 |
| Total Mortgage Loan Application Amount | $62,311,000 |
| Average Mortgage Loan Application Amount | $155,000 |
| Highest Mortgage Loan Application Amount | $1,229,000 |
| Average Applicant Income | $93,000 |
| Highest Applicant Income | $1,215,000 |
* 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 |
|---|---|---|---|---|
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 538,958,000,000 | 48 | $ 6,224,000 |
| The Huntington National Bank 7575 HUNTINGTON PARK DR COLUMBUS, OH 43235 |
* | $ 53,586,626,000 | 34 | $ 4,876,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,471,631,047,000 | 34 | $ 5,179,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,746,242,000,000 | 24 | $ 4,119,000 |
| Fifth Third Mortgage, Mi LLC 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 48,969,000 | 15 | $ 2,915,000 |
| Mbank 130 S CEDAR ST MANISTIQUE, MI 49854 |
* | $ 452,006,000 | 13 | $ 3,527,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 69,459,606,000 | 13 | $ 2,573,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 140,777,455,000 | 10 | $ 1,547,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 14,157,838,000 | 10 | $ 1,353,000 |
| Countrywide Bank FSB 30930 RUSSELL RANCH ROAD MS CA6-916-02-0 WESTLAKE VILLAGE, CA 91362 |
* | $ 117,978,966,000 | 10 | $ 2,126,000 |
| Citifinancial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 8 | $ 598,000 |
| First National Bank of America 241 EAST SAGINAW EAST LANSING, MI 48823 |
* | $ 409,625,000 | 7 | $ 227,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 32,882,574,000 | 7 | $ 1,531,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 6 | $ 1,366,000 |
| Citibank, N.A. 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,227,040,000,000 | 6 | $ 627,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 261,775,591,000 | 6 | $ 584,000 |
| Member First Mortgage, LLC 616 44TH STREET SE GRAND RAPIDS, MI 49548 |
* | $ 11,800,000 | 6 | $ 693,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 32,584,979,000 | 5 | $ 924,000 |
| Lake Michigan Credit Union PO BOX 2848 GRAND RAPIDS, MI 49501 |
* | $ 1,488,726,000 | 4 | $ 445,000 |
| New York Community Bank 1 JERICHO PLAZA JERICHO, NY 11753 |
* | $ 30,307,736,000 | 4 | $ 599,000 |
| Independent Mortgage Co 230 W MAIN ST IONIA, MI 48846 |
* | $ 2,953,214,000 | 4 | $ 942,000 |
| Fifth Third Bank 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 69,459,606,000 | 4 | $ 391,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 4 | $ 555,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 4 | $ 670,000 |
| Greenstone Farm Credit Services 3515 WEST RD EAST LANSING, MI 48823 |
* | $ 10,000,000 | 3 | $ 539,000 |
| Arbor Mortgage Corporation 2311 EAST BELTLINE AVE SE 200 GRAND RAPIDS, MI 49546 |
* | $ 15,555,000 | 3 | $ 360,000 |
| Citizens Bank 328 S SAGINAW ST FLINT, MI 48502 |
* | $ 12,266,600,000 | 3 | $ 151,000 |
| Chemical Bank 333 E MAIN STREET MIDLAND, MI 48640 |
* | $ 3,866,622,000 | 3 | $ 346,000 |
| Amera Mortgage Corporation 1050 CORPORATE OFFICE DR #200 MILFORD, MI 48381 |
* | $ 1,300,000,000 | 3 | $ 759,000 |
| Rbs Citizens, N.A. ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 129,725,957,000 | 3 | $ 345,000 |
| Macatawa Bank, N.A. ROSEMONT, IL 60018 |
* | $ 2,147,294,000 | 3 | $ 773,000 |
| Mortgage Center Lc 26555 EVERGREEN RD SUITE 900 SOUTHFIELD, MI 48076 |
* | $ 30,000,000 | 2 | $ 396,000 |
| Freestar Financial Credit Union PO BOX 2800 MT. CLEMENS, MI 48046 |
* | $ 140,613,000 | 2 | $ 276,000 |
| First Place Bank 185 EAST MARKET WARREN, OH 44481 |
* | $ 3,311,463,000 | 2 | $ 562,000 |
| Nfcu 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 36,351,625,000 | 2 | $ 122,000 |
| Isabella Bank 139 E. BROADWAY MT PLEASANT, MI 48858 |
* | $ 1,083,993,000 | 2 | $ 886,000 |
| Incrediblebank 327 N 17TH AVE WAUSAU, WI 54401 |
* | $ 917,297,000 | 2 | $ 138,000 |
| Bank of Ann Arbor 1333 W ANN ARBOR ROAD ANN ARBOR, MI 48104 |
* | $ 489,167,000 | 2 | $ 412,000 |
| Chippewa Valley Bank 15755 W COUNTY ROAD B HAYWARD, WI 54843 |
* | $ 201,171,000 | 2 | $ 156,000 |
| Towne Mortgage Company 888 WEST BIG BEAVER ROAD SUITE 310 TROY, MI 48084 |
* | $ 10,000,000 | 2 | $ 467,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 2 | $ 236,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 2 | $ 124,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 2 | $ 196,000 |
| Franklin American Mortgage Co 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 2 | $ 278,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 1 | $ 211,000 |
| American Internet Mortgage, Inc. 4121 CAMINO DEL RIO SOUTH SAN DIEGO, CA 92108 |
* | $ 10,000,000 | 1 | $ 174,000 |
| Shore Mortgage 770 S. ADAMS ROAD #300 BIRMINGHAM, MI 48009 |
* | $ 10,000,000 | 1 | $ 139,000 |
| Taylor, Bean & Whitaker 315 NE 14TH STREET OCALA, FL 34470 |
* | $ 10,000,000 | 1 | $ 64,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 1 | $ 130,000 |
| Freedom Mortgage Corp. 10500 KINCAID DR. STE. 300 FISHERS, IN 46037 |
* | $ 10,000,000 | 1 | $ 169,000 |
| World Alliance Financial Corp. 3 HUNTINGTON QUADRANGLE SUITE 201N MELVILLE, NY 11747 |
* | $ 389,397,000 | 1 | $ 58,000 |
| Home Loan Center 163 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 1 | $ 166,000 |
| Tranex Financial Inc. 26200 AMERICAN DRIVE SOUTHFIELD, MI 48034 |
* | $ 10,000,000 | 1 | $ 95,000 |
| Premier Community Bank 230 MAVIS ROAD MARION, WI 54950 |
* | $ 214,067,000 | 1 | $ 125,000 |
| Equifirst Corporation 13000 S TRYON ST, STE F, PMB 317 CHARLOTTE, NC 28278 |
* | $ 279,777,049,000 | 1 | $ 172,000 |
| The Farmers & Merchants State Bank 307 N DEFIANCE ST ARCHBOLD, OH 43502 |
* | $ 805,564,000 | 1 | $ 94,000 |
| Branch Banking and Trust Co 223 W NASH STREET WILSON, NC 27893 |
* | $ 147,483,646,000 | 1 | $ 105,000 |
| Lakestone Bank & Trust 83 W NEPESSING ST LAPEER, MI 48446 |
* | $ 256,139,000 | 1 | $ 170,000 |
| Independent Bank 4200 EAST BELTLINE GRAND RAPIDS, MI 49525 |
* | $ 2,953,214,000 | 1 | $ 20,000 |
| Sterling National Mortgage Co. 98 CUTTERMILL RD GREAT NECK, NY 11021 |
* | $ 964,388,000 | 1 | $ 125,000 |
| Merrill Lynch Credit Corp 4500 PARK GRANADA CA7-910-01-24 CALABASAS, CA 91302 |
* | $ 2,223,299,000 | 1 | $ 90,000 |
| Src Mortgage 402 E. FRONT STREET TRAVERSE CITY, MI 49686 |
* | $ 2,223,299,000 | 1 | $ 216,000 |
| Keybank National Association 100 PUBLIC SQUARE STE 600 OH-01-10-06006 CLEVELAND, OH 44113 |
* | $ 101,868,610,000 | 1 | $ 135,000 |
| US Bank North Dakota 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 4,858,594,000 | 1 | $ 111,000 |
| Associated Bank, N.A. 200 N ADAMS ST GREEN BAY, WI 54301 |
* | $ 23,843,152,000 | 1 | $ 131,000 |
| Metlife Bank, N.A. 334 MADISON AVENUE CONVENT STATION, NJ 07961 |
* | $ 10,273,647,000 | 1 | $ 62,000 |
| Capital One NA 11130 INDUSTRIALPLEX BLVD BATON ROUGE, LA 70809 |
* | $ 115,142,306,000 | 1 | $ 14,000 |
| Harleysville National Bank 483 MAIN STREET HARLEYSVILLE, PA 19438 |
* | $ 5,478,061,000 | 1 | $ 150,000 |
| Dfcu Financial 400 TOWN CENTER DRIVE DEARBORN, MI 48126 |
* | $ 2,140,880,000 | 1 | $ 111,000 |
| Financial Plus Credit Union G-3381 VAN SLYKE RD, P.O. BOX 7006 FLINT, MI 48507 |
* | $ 301,455,000 | 1 | $ 249,000 |
| Jolt Credit Union 6180 STATE STREET SAGINAW, MI 48603 |
* | $ 227,958,000 | 1 | $ 37,000 |
| Msu Federal Credit Union 3777 WEST ROAD EAST LANSING, MI 48823 |
* | $ 1,569,230,000 | 1 | $ 175,000 |
| Wildfire Credit Union 6640 BAY RD SAGINAW, MI 48605 |
* | $ 454,334,000 | 1 | $ 30,000 |
| Dow Credit Union 600 E. LYON ROAD P.O. BOX 1649 MIDLAND, MI 48641 |
* | $ 1,159,689,000 | 1 | $ 97,000 |
| Ing Bank, FSB 1 SOUTH ORANGE STREET WILMINGTON, DE 19801 |
* | $ 82,416,721,000 | 1 | $ 26,000 |
| Charles Schwab Bank 211 MAIN STREET SAN FRANCISCO, CA 94105 |
* | $ 25,365,108,000 | 1 | $ 239,000 |
| Nrl Federal Credit Union 5440 CHEROKEE AVE SUITE 200 ALEXANDRIA, VA 22312 |
* | $ 372,740,000 | 1 | $ 200,000 |
| Consumers Professional Credit Union 525 W WILLOW STREET LANSING, MI 48906 |
* | $ 69,735,000 | 1 | $ 100,000 |
| Alliance Catholic Credit Union 26913 NORTHWESTERN HWY STE 520 FARMINGTON HILLS, MI 48334 |
* | $ 232,504,000 | 1 | $ 150,000 |
| Team One Credit Union 520 HAYDEN SAGINAW, MI 48607 |
* | $ 278,016,000 | 1 | $ 80,000 |
| Marshall Community Credit Union 839 W GREEN ST MARSHALL, MI 49068 |
* | $ 139,392,000 | 1 | $ 137,000 |
| Vibe 44575 W 12 MILE NOVI, MI 48377 |
* | $ 451,710,000 | 1 | $ 130,000 |
| One Reverse Mortgage, LLC 4445 EASTGATE MALL, SUITE 320 SAN DIEGO, CA 92121 |
* | $ 39,000,000 | 1 | $ 56,000 |
| Genisys Credit Union 2100 EXECUTIVE HILLS BLVD AUBURN HILLS, MI 48326 |
* | $ 1,215,323,000 | 1 | $ 187,000 |
| The Bank of Holland 150 CENTRAL AVE HOLLAND, MI 49423 |
* | $ 602,292,000 | 1 | $ 140,000 |
| Summit Community Bank 1600 ABBOT RD EAST LANSING, MI 48823 |
* | $ 170,293,000 | 1 | $ 255,000 |
| Liberty Savings Bank, FSB 2251 ROMBACH AVE. WILMINGTON, OH 45177 |
* | $ 1,519,961,000 | 1 | $ 104,000 |
| Gateway Bank, FSB 2336 MERCED STREET SAN LEANDRO, CA 94577 |
* | $ 479,176,000 | 1 | $ 95,000 |
| Raymond James Bank 710 CARILLON PKWY ST PETERSBURG, FL 33716 |
* | $ 9,457,854,000 | 1 | $ 378,000 |
| Wachovia Mortgage FSB TONYA YOUNG 100 N MAIN ST MAC D4001-063 WINSTON-SALEM, NC 27101 |
* | $ 69,166,325,000 | 1 | $ 381,000 |
| Midfirst Bank 501 NW GRAND BLVD. OKLAHOMA CITY, OK 73118 |
* | $ 14,649,039,000 | 1 | $ 145,000 |
| United Mortgage Company 205 E. CHICAGO BLVD. TECUMSEH, MI 49286 |
* | $ 468,861,000 | 1 | $ 117,000 |
| Fentura Mortgage Corp P O BOX 725 FENTON, MI 48430 |
* | $ 295,000,000 | 1 | $ 375,000 |
| Firstbank - Alma Mortgage Co 311 WOODWORTH AVE. ALMA, MI 48801 |
* | $ 260,365,000 | 1 | $ 102,000 |
| First State Mortgage Services 502 N HERSHEY ROAD BLOOMINGTON, IL 61704 |
* | $ 327,995,000 | 1 | $ 109,000 |
| Home Savings of America 35 E BROADWAY LITTLE FALLS, MN 56345 |
* | $ 427,899,000 | 1 | $ 163,000 |
| First Federal Bank 601 CLINTON STREET DEFIANCE, OH 43512 |
* | $ 1,949,553,000 | 1 | $ 400,000 |
| First Federal Savings Bank 301 E 9TH STREET ROCHESTER, IN 46975 |
* | $ 376,910,000 | 1 | $ 417,000 |
The tables below break down 2009 mortgage applications in Mackinac 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 Mackinac 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 | 329 | $55,138,000 | $167,000 | $1,229,000 | $93,000 | $984,000 |
| Home Purchase | 56 | $6,356,000 | $113,000 | $400,000 | $103,000 | $1,215,000 |
| Home Improvement | 17 | $817,000 | $48,000 | $157,000 | $63,000 | $160,000 |
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 | 327 | $51,276,000 | $156,000 | $550,000 | $97,000 | $1,215,000 |
| Not Provided | 33 | $4,680,000 | $141,000 | $417,000 | $72,000 | $290,000 |
| Not applicable | 20 | $4,477,000 | $223,000 | $1,229,000 | $75,000 | $929,000 |
| American Indian or Alaskan Native | 15 | $1,124,000 | $74,000 | $138,000 | $67,000 | $638,000 |
| Black or African American | 4 | $441,000 | $110,000 | $173,000 | $96,000 | $161,000 |
| Hispanic | 3 | $313,000 | $104,000 | $119,000 | $71,000 | $128,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 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) | 329 | $54,019,000 | $164,000 | $1,229,000 | $107,000 | $1,215,000 |
| FHA-insured (Federal Housing Administration) | 60 | $6,759,000 | $112,000 | $401,000 | $31,000 | $79,000 |
| VA-guaranteed (Veterans Administration) | 8 | $1,015,000 | $126,000 | $211,000 | $42,000 | $98,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 5 | $518,000 | $103,000 | $128,000 | $17,000 | $34,000 |
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 | 187 | $30,208,000 | $161,000 | $1,229,000 | $108,000 | $984,000 |
| Application Denied By Financial Institution | 97 | $14,070,000 | $145,000 | $417,000 | $76,000 | $446,000 |
| Loan Purchased By The Institution | 63 | $9,634,000 | $152,000 | $417,000 | $64,000 | $984,000 |
| Application Withdrawn By Applicant | 29 | $4,906,000 | $169,000 | $550,000 | $90,000 | $638,000 |
| Application Approved But Not Accepted | 18 | $2,764,000 | $153,000 | $506,000 | $145,000 | $1,215,000 |
| File Closed For Incompleteness | 8 | $729,000 | $91,000 | $195,000 | $65,000 | $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 | 47 | $8,127,000 | $172,000 | $417,000 | $103,000 | $446,000 |
| Debt-To-Income Ratio | 14 | $2,057,000 | $146,000 | $381,000 | $34,000 | $75,000 |
| Credit History | 10 | $538,000 | $53,000 | $138,000 | $43,000 | $135,000 |
| Credit Application Incomplete | 6 | $830,000 | $138,000 | $361,000 | $62,000 | $186,000 |
| Unverifiable Information | 3 | $938,000 | $312,000 | $401,000 | $26,000 | $80,000 |
| Other | 2 | $186,000 | $93,000 | $140,000 | $14,000 | $29,000 |
| 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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