Mackinac County, MI Mortgage Lenders & HMDA Data, 2015
In 2015, lenders reported 272 mortgage applications in Mackinac County, MI totaling $36.7 million, up 1% from 2014. The average application was for $134,000, and applicants reported an average income of $95,000. 53% of applications resulted in an originated loan and 22% were denied. The most active lender was Mbank, with 17 applications, followed by PNC Bank N.A. and Wells Fargo 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 | 272 |
| Total Mortgage Loan Application Amount | $36,690,000 |
| Average Mortgage Loan Application Amount | $134,000 |
| Highest Mortgage Loan Application Amount | $617,000 |
| Average Applicant Income | $95,000 |
| Highest Applicant Income | $1,557,000 |
* 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 |
|---|---|---|---|---|
| Mbank 130 S CEDAR ST MANISTIQUE, MI 49854 |
* | $ 727,892,000 | 17 | $ 2,008,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 335,060,015,000 | 16 | $ 2,286,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,532,784,000,000 | 16 | $ 1,502,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 66,111,039,000 | 12 | $ 1,508,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,074,981,000,000 | 9 | $ 1,431,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ 6,260,444,000 | 7 | $ 849,000 |
| Chippewa Valley Bank 15755 W COUNTY ROAD B HAYWARD, WI 54843 |
* | $ 295,298,000 | 7 | $ 653,000 |
| Lake Michigan Credit Union PO BOX 2848 GRAND RAPIDS, MI 49501 |
* | $ 3,540,518,000 | 6 | $ 858,000 |
| Top Flite Financial, Inc. 123 E GRAND RIVER AVE WILLIAMSTON, MI 48895 |
* | $ 40,394,000 | 5 | $ 437,000 |
| Firstmerit Bank NA III CASCADE PLAZA - CAS46 AKRON, OH 44308 |
* | $ 24,884,993,000 | 5 | $ 771,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 5 | $ 653,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 4 | $ 544,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 67,301,894,000 | 4 | $ 291,000 |
| Fifth Third Mortgage, Mi LLC 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 48,969,000 | 4 | $ 763,000 |
| Chemical Bank 333 E MAIN STREET MIDLAND, MI 48640 |
* | $ 7,312,796,000 | 4 | $ 1,251,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 4 | $ 220,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 4 | $ 381,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 4 | $ 790,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 3 | $ 413,000 |
| 1st Alliance Lending, LLC 111 FOUNDERS PLAZA, SUITE 1300 EAST HARTFORD, CT 06108 |
* | $ 3,285,000 | 3 | $ 223,000 |
| Amerifirst Financial Corporation 950 TRADE CENTRE WAY SUITE 400 KALAMAZOO, MI 49009 |
* | $ 10,000,000 | 3 | $ 374,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ 10,000,000 | 3 | $ 337,000 |
| Mercantile Bank 310 LEONARD STREET NORTH WEST GRAND RAPIDS, MI 49504 |
* | $ 2,873,028,000 | 3 | $ 551,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 3 | $ 263,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 136,279,317,000 | 2 | $ 292,000 |
| Firstmerit Mortgage Corp 4455 HILLS AND DALES RD. NW - MTG80 CANTON, OH 44708 |
* | $ 6,000,000,000 | 2 | $ 488,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 21,610,491,000 | 2 | $ 285,000 |
| Arvest Bank TULSA, OK 74103 |
* | $ 14,944,176,000 | 2 | $ 391,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,356,442,000,000 | 2 | $ 232,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,574,093,000,000 | 2 | $ 102,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 398,978,359,000 | 2 | $ 217,000 |
| First National Bank of America 241 EAST SAGINAW EAST LANSING, MI 48823 |
* | $ 668,685,000 | 2 | $ 366,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 2 | $ 209,000 |
| Independent Bank 4200 EAST BELTLINE GRAND RAPIDS, MI 49525 |
* | $ 2,237,914,000 | 2 | $ 338,000 |
| 1st Source Bank P O BOX 1602 SUITE 400 SOUTH BEND, IN 46601 |
* | $ 4,815,555,000 | 2 | $ 412,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ 11,000,000 | 2 | $ 171,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ 10,000,000 | 2 | $ 300,000 |
| Greenstone Farm Credit Services 3515 WEST RD EAST LANSING, MI 48823 |
* | $ 10,000,000 | 2 | $ 189,000 |
| Live Well Financial, Inc. 1011 BOULDER SPRINGS DRIVE RICHMOND, VA 23225 |
* | $ 176,870,000 | 2 | $ 278,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ 10,000,000 | 2 | $ 190,000 |
| Talmer Bank and Trust 2301 W. BIG BEAVER RD., SUITE 200 TROY, MI 48084 |
* | $ 5,045,286,000 | 2 | $ 820,000 |
| Financial Plus Credit Union G-3381 VAN SLYKE RD, P.O. BOX 7006 FLINT, MI 48507 |
* | $ 425,715,000 | 2 | $ 83,000 |
| Mortgage Center Lc 26555 EVERGREEN RD SUITE 900 SOUTHFIELD, MI 48076 |
* | $ 30,000,000 | 1 | $ 186,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ 100,000,000 | 1 | $ 215,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 1 | $ 53,000 |
| Columbus First Bank 6877 N HIGH STREET WORTHINGTON, OH 43085 |
* | $ 280,833,000 | 1 | $ 150,000 |
| Warsaw Federal Savings and Loan Association 3533 WARSAW AVE CINCINNATI, OH 45205 |
* | $ 66,709,000 | 1 | $ 232,000 |
| Home Federal Savings Bank 1016 CIVIC CENTER DR NW ROCHESTER, MN 55901 |
* | $ 576,143,000 | 1 | $ 183,000 |
| North American Savings Bank 12498 S 71 HIGHWAY GRANDVIEW, MO 64030 |
* | $ 1,281,397,000 | 1 | $ 120,000 |
| Premier Bank 601 CLINTON STREET YOUNGSTOWN, OH 44503 |
* | $ 2,163,319,000 | 1 | $ 360,000 |
| Wildfire Credit Union 6640 BAY RD SAGINAW, MI 48605 |
* | $ 675,074,000 | 1 | $ 28,000 |
| Community Choice Credit Union 31155 NORTHWESTERN HWY FARMINGTON HILLS, MI 48334 |
* | $ 532,291,000 | 1 | $ 232,000 |
| Howard Bank 6011 UNIVERSITY BLVD #370 ELLICOTT CITY, MD 21043 |
* | $ 691,345,000 | 1 | $ 50,000 |
| Main Street Bank 31780 TELEGRAPH ROAD, SUITE 100 BINGHAM FARMS, MI 48025 |
* | $ 176,602,000 | 1 | $ 164,000 |
| Reliant Bank 1736 CAROTHERS PARKWAY BRENTWOOD, TN 37027 |
* | $ 295,168,000 | 1 | $ 120,000 |
| Stearns Lending, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ 10,000,000 | 1 | $ 124,000 |
| Mortgage 1 Incorporated 43456 MOUND ROAD STERLING HEIGHTS, MI 48314 |
* | $ 9,135,000 | 1 | $ 82,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ 4,410,000 | 1 | $ 79,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ 10,000,000 | 1 | $ 122,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 1 | $ 152,000 |
| Msu Federal Credit Union 3777 WEST ROAD EAST LANSING, MI 48823 |
* | $ 2,775,046,000 | 1 | $ 7,000 |
| Genisys Credit Union 2100 EXECUTIVE HILLS BLVD AUBURN HILLS, MI 48326 |
* | $ 1,661,461,000 | 1 | $ 137,000 |
| Community Financial 500 S HARVEY ST PLYMOUTH, MI 48170 |
* | $ 604,957,000 | 1 | $ 51,000 |
| Lafcu 106 N MARKETPLACE BLVD LANSING, MI 48917 |
* | $ 573,815,000 | 1 | $ 62,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ 945,758,000 | 1 | $ 155,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ 40,000,000 | 1 | $ 144,000 |
| Dart Bank 368 S. PARK ST. MASON, MI 48854 |
* | $ 290,341,000 | 1 | $ 200,000 |
| Inland Bank & Trust 1900 W STATE ST GENEVA, IL 60134 |
* | $ 1,148,005,000 | 1 | $ 215,000 |
| Gvc Mortgage, Inc. ONE PLAZA DRIVE, SUITE 3 SUITE 200, IN 46064 |
* | $ 10,000,000 | 1 | $ 61,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ 10,000,000 | 1 | $ 97,000 |
| Member First Mortgage, LLC 616 44TH STREET SE GRAND RAPIDS, MI 49548 |
* | $ 11,800,000 | 1 | $ 200,000 |
| Inlanta Mortgage, Inc. W239 N3490 PEWAUKEE ROAD, STE.200 PEWAUKEE, WI 53072 |
* | $ 39,000,000 | 1 | $ 279,000 |
| J.G. Wentworth Home Lending, LLC 3350 COMMISSION COURT WOODBRIDGE, VA 22192 |
* | $ 10,000,000 | 1 | $ 97,000 |
| Wyndham Capital Mortgage, Inc. 6115 PARK SOUTH DRIVE, STE 200 RALEIGH, NC 28210 |
* | $ 10,000,000 | 1 | $ 177,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ 10,000,000 | 1 | $ 127,000 |
| Bank of Ann Arbor 1333 W ANN ARBOR ROAD ANN ARBOR, MI 48104 |
* | $ 1,075,338,000 | 1 | $ 310,000 |
| First Internet Bank of Indiana 11201 USA PARKWAY FISHERS, IN 46038 |
* | $ 968,312,000 | 1 | $ 285,000 |
| Bbmc Mortgage, LLC 100 W. 22ND ST LOMBARD, IL 60148 |
* | $ 149,000,000 | 1 | $ 312,000 |
| United Federal Credit Union 2807 SOUTH STATE ST ST. JOSEPH, MI 49085 |
* | $ 1,834,761,000 | 1 | $ 30,000 |
| Gerber Federal Credit Union 508 STATE STREET PO BOX 116 FREMONT, MI 49412 |
* | $ 125,501,000 | 1 | $ 225,000 |
| Case Credit Union PO BOX 22158 4316 SOUTH PENNSYLVANIA AVENUE LANSING, MI 48909 |
* | $ 240,883,000 | 1 | $ 4,000 |
| Michigan Community Credit Unio 1425 W PARNALL RD JACKSON, MI 49201 |
* | $ 131,786,000 | 1 | $ 152,000 |
| Lake City Bank P.O. BOX 1387 WARSAW, IN 46581 |
* | $ 3,427,475,000 | 1 | $ 336,000 |
| Neighborhood Mortgage Solutions, LLC PO BOX 209 544 N MAIN ST FRANKENMUTH, MI 48734 |
* | $ 77,551,000 | 1 | $ 55,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ 1,000,000,000 | 1 | $ 115,000 |
| Old National Bank ONE MAIN STREET EVANSVILLE, IN 47708 |
* | $ 7,873,796,000 | 1 | $ 246,000 |
| Comerica Bank FARMINGTON HILLS, MI 48331 |
* | $ 69,310,249,000 | 1 | $ 41,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 63,635,411,000 | 1 | $ 98,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 185,888,583,000 | 1 | $ 50,000 |
| Fifth Third Bank 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 136,279,317,000 | 1 | $ 65,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 102,971,333,000 | 1 | $ 300,000 |
| Associated Bank NA 200 NORTH ADAMS STREET GREEN BAY, WI 54301 |
* | $ 26,653,631,000 | 1 | $ 617,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 16,808,214,000 | 1 | $ 108,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ 10,000,000 | 1 | $ 120,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ 1,543,699,000 | 1 | $ 79,000 |
| Flagstar Bank 5151 CORPORATE DRIVE TROY, MI 48098 |
* | $ 9,779,461,000 | 1 | $ 99,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 9,781,238,000 | 1 | $ 43,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ 216,602,000 | 1 | $ 200,000 |
| Horizon Bank, N.A. 515 FRANKLIN ST MICHIGAN CITY, IN 46360 |
* | $ 2,079,078,000 | 1 | $ 80,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 1 | $ 71,000 |
The tables below break down 2015 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 2015
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 | 139 | $18,986,000 | $136,000 | $368,000 | $95,000 | $1,557,000 |
| Home Purchase | 113 | $16,096,000 | $142,000 | $617,000 | $100,000 | $842,000 |
| Home Improvement | 20 | $1,608,000 | $80,000 | $296,000 | $71,000 | $164,000 |
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 | 195 | $27,271,000 | $139,000 | $617,000 | $112,000 | $1,557,000 |
| Not Provided | 30 | $4,103,000 | $136,000 | $390,000 | $86,000 | $289,000 |
| American Indian or Alaskan Native | 26 | $2,622,000 | $100,000 | $339,000 | $44,000 | $120,000 |
| Not applicable | 16 | $2,150,000 | $134,000 | $400,000 | $9,000 | $59,000 |
| Hispanic | 3 | $244,000 | $81,000 | $144,000 | $53,000 | $62,000 |
| Black or African American | 2 | $300,000 | $150,000 | $160,000 | $54,000 | $55,000 |
| 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) | 205 | $29,094,000 | $141,000 | $617,000 | $112,000 | $1,557,000 |
| FHA-insured (Federal Housing Administration) | 36 | $3,325,000 | $92,000 | $192,000 | $37,000 | $135,000 |
| VA-guaranteed (Veterans Administration) | 24 | $3,687,000 | $153,000 | $312,000 | $60,000 | $127,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 7 | $584,000 | $83,000 | $143,000 | $23,000 | $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 | 143 | $19,960,000 | $139,000 | $480,000 | $112,000 | $1,557,000 |
| Application Denied By Financial Institution | 61 | $8,557,000 | $140,000 | $617,000 | $94,000 | $842,000 |
| Application Withdrawn By Applicant | 30 | $3,577,000 | $119,000 | $375,000 | $73,000 | $246,000 |
| Loan Purchased By The Institution | 19 | $2,385,000 | $125,000 | $390,000 | $36,000 | $289,000 |
| Application Approved But Not Accepted | 11 | $1,209,000 | $109,000 | $192,000 | $63,000 | $201,000 |
| File Closed For Incompleteness | 8 | $1,002,000 | $125,000 | $257,000 | $70,000 | $247,000 |
| 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 | 14 | $2,112,000 | $150,000 | $279,000 | $120,000 | $400,000 |
| Credit History | 8 | $1,078,000 | $134,000 | $346,000 | $79,000 | $183,000 |
| Debt-To-Income Ratio | 7 | $961,000 | $137,000 | $311,000 | $54,000 | $168,000 |
| Credit Application Incomplete | 3 | $502,000 | $167,000 | $260,000 | $132,000 | $226,000 |
| Other | 3 | $829,000 | $276,000 | $617,000 | $295,000 | $842,000 |
| Unverifiable Information | 2 | $147,000 | $73,000 | $76,000 | $70,000 | $82,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $296,000 | $148,000 | $220,000 | $210,000 | $311,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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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