Midland County, MI Mortgage Lenders & HMDA Data, 2009

In 2009, lenders reported 4,912 mortgage applications in Midland County, MI totaling $631.6 million, up 30% from 2008. The average application was for $128,000, and applicants reported an average income of $74,000. 55% of applications resulted in an originated loan and 12% were denied. The most active lender was Chemical Bank, with 540 applications, followed by Dow Credit Union and Wolverine Bank FSB.

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Total Number of Mortgage Applications 4,912
Total Mortgage Loan Application Amount $631,591,000
Average Mortgage Loan Application Amount $128,000
Highest Mortgage Loan Application Amount $999,000
Average Applicant Income $74,000
Highest Applicant Income $3,900,000

Mortgage Company List for Lending in Midland County, MI for 2009

* 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
Chemical Bank
333 E MAIN STREET
MIDLAND, MI 48640
* $ 3,866,622,000 540 $ 66,943,000
Dow Credit Union
600 E. LYON ROAD P.O. BOX 1649
MIDLAND, MI 48641
* $ 1,159,689,000 525 $ 60,671,000
Wolverine Bank FSB
5710 EASTMAN AVE
MIDLAND, MI 48640
* $ 318,836,000 461 $ 65,226,000
Bank of America, N.A.
4500 PARK GRANADA
CALABASAS, CA 91302
* $ 1,471,631,047,000 398 $ 52,866,000
Wells Fargo Bank, NA
1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042
DES MOINES, IA 50328
* $ 538,958,000,000 383 $ 60,001,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 1,746,242,000,000 210 $ 27,198,000
Citibank, N.A.
601 LEXINGTON AVENUE, 20TH FLOOR
NEW YORK, NY 10022
* $ 1,227,040,000,000 171 $ 9,946,000
Citizens Bank
328 S SAGINAW ST
FLINT, MI 48502
* $ 12,266,600,000 165 $ 24,050,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 135 $ 21,393,000
Independent Mortgage Co
230 W MAIN ST
IONIA, MI 48846
* $ 2,953,214,000 122 $ 16,218,000
Isabella Bank
139 E. BROADWAY
MT PLEASANT, MI 48858
* $ 1,083,993,000 120 $ 11,389,000
Citimortgage, Inc
601 LEXINGTON AVENUE, 20TH FLOOR
NEW YORK, NY 10022
* $ 1,019,497,000,000 116 $ 18,924,000
Wildfire Credit Union
6640 BAY RD
SAGINAW, MI 48605
* $ 454,334,000 104 $ 8,819,000
W. J. Bradley Mortgage Capital
6465 GREENWOOD PLAZA BLVD, SUITE 500
CENTENNIAL, CO 80111
* $ 10,000,000 99 $ 14,383,000
Member First Mortgage, LLC
616 44TH STREET SE
GRAND RAPIDS, MI 49548
* $ 11,800,000 84 $ 8,411,000
Flagstar Bank
5151 CORPORATE DR
TROY, MI 48098
* $ 14,157,838,000 80 $ 10,073,000
Wells Fargo Funding, Inc
100 N MAIN STREEET MAC D4001-063
WINSTON-SALEM, NC 27150
* $ 25,457,000 79 $ 10,749,000
Countrywide Bank FSB
30930 RUSSELL RANCH ROAD MS CA6-916-02-0
WESTLAKE VILLAGE, CA 91362
* $ 117,978,966,000 73 $ 10,733,000
Fifth Third Mortgage, Mi LLC
5001 KINGSLEY DRIVE MD 1MOB2W
CINCINNATI, OH 45227
* $ 48,969,000 62 $ 8,779,000
Arbor Mortgage Corporation
2311 EAST BELTLINE AVE SE 200
GRAND RAPIDS, MI 49546
* $ 15,555,000 62 $ 7,155,000
Ally Bank F/K/A/ Gmac Bank
1100 VIRGINIA DRIVE
FT. WASHINGTON, PA 19034
* $ 32,882,574,000 54 $ 7,474,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 140,777,455,000 45 $ 5,160,000
Tranex Financial Inc.
26200 AMERICAN DRIVE
SOUTHFIELD, MI 48034
* $ 10,000,000 42 $ 7,091,000
US Bank, N.A.
777 EAST WISCONSIN AVE
MILWAUKEE, WI 53202
* $ 261,775,591,000 41 $ 4,524,000
Fifth Third Mortgage Company
5001 KINGSLEY DRIVE MD 1MOB2W
CINCINNATI, OH 45227
* $ 69,459,606,000 41 $ 5,706,000
Gmac Mortgage LLC
1100 VIRGINIA DRIVE
FT. WASHINGTON, PA 19034
* $ 31,000,000 40 $ 4,796,000
Firstbank - Alma Mortgage Co
311 WOODWORTH AVE.
ALMA, MI 48801
* $ 260,365,000 39 $ 3,881,000
Comerica Bank
500 WOODWARD AVE - MC 3352
DETROIT, MI 48226
* $ 67,597,552,000 31 $ 4,050,000
Fifth Third Bank
5001 KINGSLEY DRIVE MD 1MOB2W
CINCINNATI, OH 45227
* $ 69,459,606,000 22 $ 1,789,000
First National Bank of America
241 EAST SAGINAW
EAST LANSING, MI 48823
* $ 409,625,000 15 $ 849,000
Wanigas Credit Union
4026 SHATTUCK RD
SAGINAW, MI 48603
* $ 232,023,000 15 $ 1,594,000
Provident Funding Associates
1235 NORTH DUTTON AVE STE E
SANTA ROSA, CA 95401
* $ 10,000,000 15 $ 3,211,000
Towne Mortgage Company
888 WEST BIG BEAVER ROAD SUITE 310
TROY, MI 48084
* $ 10,000,000 14 $ 1,688,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ 3,930,807,000 14 $ 1,788,000
New York Community Bank
1 JERICHO PLAZA
JERICHO, NY 11753
* $ 30,307,736,000 12 $ 2,223,000
Citifinancial, Inc.
300 ST. PAUL PLACE
BALTIMORE, MD 21202
* $ 1,494,037,000,000 11 $ 866,000
Mortgage Center Lc
26555 EVERGREEN RD SUITE 900
SOUTHFIELD, MI 48076
* $ 30,000,000 11 $ 1,366,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 32,584,979,000 11 $ 1,485,000
Jolt Credit Union
6180 STATE STREET
SAGINAW, MI 48603
* $ 227,958,000 10 $ 938,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ 10,000,000 10 $ 1,677,000
Bank of Ann Arbor
1333 W ANN ARBOR ROAD
ANN ARBOR, MI 48104
* $ 489,167,000 10 $ 1,919,000
Independent Bank
4200 EAST BELTLINE
GRAND RAPIDS, MI 49525
* $ 2,953,214,000 9 $ 220,000
Team One Credit Union
520 HAYDEN
SAGINAW, MI 48607
* $ 278,016,000 9 $ 819,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ 8,994,122,000 9 $ 962,000
Franklin American Mortgage Co
501 CORPORATE CENTRE DRIVE, SUITE 400
FRANKLIN, TN 37067
* $ 10,000,000 9 $ 1,408,000
Shore Mortgage
770 S. ADAMS ROAD #300
BIRMINGHAM, MI 48009
* $ 10,000,000 9 $ 896,000
Greenstone Farm Credit Services
3515 WEST RD
EAST LANSING, MI 48823
* $ 10,000,000 8 $ 1,784,000
Hallmark Home Mortgage, LLC
7421 COLDWATER ROAD
FORT WAYNE, IN 46825
* $ 2,915,000 8 $ 694,000
Thumb National Mortgage LLC
7254 MICHIGAN AVE
PIGEON, MI 48755
* $ 181,354,000 8 $ 1,375,000
Freeland State Bank
185 E WASHINGTON ST
FREELAND, MI 48623
* $ 55,013,000 8 $ 577,000
Ing Bank, FSB
1 SOUTH ORANGE STREET
WILMINGTON, DE 19801
* $ 82,416,721,000 7 $ 835,000
Platinum Home Mortgage Corporation
2200 HICKS RD, STE 101
SPRINGFIELD, IL 60008
* $ 10,000,000 7 $ 1,295,000
Taylor, Bean & Whitaker
315 NE 14TH STREET
OCALA, FL 34470
* $ 10,000,000 6 $ 889,000
Metlife Bank, N.A.
334 MADISON AVENUE
CONVENT STATION, NJ 07961
* $ 10,273,647,000 6 $ 541,000
The Huntington National Bank
7575 HUNTINGTON PARK DR
COLUMBUS, OH 43235
* $ 53,586,626,000 6 $ 576,000
Capital One NA
11130 INDUSTRIALPLEX BLVD
BATON ROUGE, LA 70809
* $ 115,142,306,000 5 $ 67,000
Hfc Company LLC
26525 NORTH RIVERWOODS BLVD.
METTAWA, IL 60045
* $ 15,000,000 5 $ 464,000
Everbank
8100 NATIONS WAY
JACKSONVILLE, FL 32256
* $ 7,047,356,000 5 $ 704,000
Wachovia Mortgage FSB
TONYA YOUNG 100 N MAIN ST MAC D4001-063
WINSTON-SALEM, NC 27101
* $ 69,166,325,000 5 $ 796,000
Midfirst Bank
501 NW GRAND BLVD.
OKLAHOMA CITY, OK 73118
* $ 14,649,039,000 5 $ 387,000
Citicorp Trust Bank, FSB
601 LEXINGTON AVENUE, 20TH FLOOR
NEW YORK, NY 10022
* $ 21,270,147,000 5 $ 319,000
Msu Federal Credit Union
3777 WEST ROAD
EAST LANSING, MI 48823
* $ 1,569,230,000 5 $ 783,000
United Financial Credit Union
4685 STATE ST.
SAGINAW, MI 48603
* $ 103,219,000 5 $ 322,000
D & R Mortgage Corp
29870 MIDDLEBELT ROAD
FARMINGTON HILLS, MI 48334
* $ 10,000,000 5 $ 585,000
Residential Finance Corp.
401 N. FRONT STREET, SUITE 300
COLUMBUS, OH 43215
* $ 17,533,484,000 4 $ 601,000
Sirva Mortgage, Inc.
6200 OAK TREE BLVD STE 300
SEVEN HILLS, OH 44131
* $ 101,315,000 4 $ 1,138,000
Nuunion Credit Union
501 S CAPITOL
LANSING, MI 48933
* $ 802,008,000 4 $ 278,000
University Bank
2015 WASHTENAW AVE
ANN ARBOR, MI 48104
* $ 129,691,000 4 $ 539,000
First Independence Bank
7310 WOODWARD AVE SUITE 101
DETROIT, MI 48202
* $ 160,410,000 4 $ 305,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ 10,000,000 4 $ 473,000
Mortgage 1 Incorporated
43456 MOUND ROAD
STERLING HEIGHTS, MI 48314
* $ 9,135,000 4 $ 791,000
Capital Mortgage Funding, LLC
17170 WEST 12 MILE ROAD
SOUTHFIELD, MI 48076
* $ 10,000,000 4 $ 778,000
Ifreedom Direct Corporation
124 N. CHARLES LINDBERGH DRIVE
SLC, UT 84116
* $ 10,000,000 3 $ 288,000
Freedom Mortgage Corp.
10500 KINCAID DR. STE. 300
FISHERS, IN 46037
* $ 10,000,000 3 $ 329,000
Mountain States Mortgage
1333 E 9400 S
SANDY, UT 84093
* $ 10,000,000 3 $ 369,000
Cf Bancorp Mortgage Company
525 WATER STREET
PORT HURON, MI 48060
* $ 1,422,966,000 3 $ 646,000
Suntrust Mortgage, Inc
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ 185,098,787,000 3 $ 261,000
Discover Bank
502 EAST MARKET STREET
GREENWOOD, DE 19950
* $ 36,276,270,000 3 $ 38,000
Firsbank - Alma
311 WOODWORTH AVE
ALMA, MI 48846
* $ 261,342,000 3 $ 86,000
South Central Bank, National Association
525 W ROOSEVELT RD
CHICAGO, IL 60607
* $ 213,972,000 3 $ 45,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 2,677,931,000 3 $ 119,000
Pentagon Federal Credit Union
14300 SULLYFIELD CIRCLE
CHANTILLY, VA 20151
* $ 12,942,945,000 3 $ 368,000
First Place Bank
185 EAST MARKET
WARREN, OH 44481
* $ 3,311,463,000 3 $ 715,000
Thrivent Financial Bank
122 EAST COLLEGE AVE., SUITE 1E
APPLETON, WI 54911
* $ 542,847,000 3 $ 494,000
1st State Bank
PO BOX 1468
SAGINAW, MI 48605
* $ 137,981,000 3 $ 277,000
Guaranty Bank, FSB
4000 W BROWN DEER ROAD
BROWN DEER, WI 53209
* $ 1,629,217,000 3 $ 458,000
Shelter Mortgage Company, LLC
4000 W BROWN DEER ROAD
BROWN DEER, WI 53209
* $ 12,000,000 3 $ 458,000
Everhome Mortgage Company
8100 NATIONS WAY
JACKSONVILLE, FL 32256
* $ 3,027,261,000 3 $ 496,000
Primary Residential Mortgage
4750 W WILEY POST WAY SUITE 200
SALT LAKE CITY, UT 84116
* $ 10,000,000 3 $ 416,000
One Reverse Mortgage, LLC
4445 EASTGATE MALL, SUITE 320
SAN DIEGO, CA 92121
* $ 39,000,000 2 $ 181,000
Lake Huron Credit Union
1540 TITTABAWASSEE RD
SAGINAW, MI 48603
* $ 42,204,000 2 $ 41,000
Frankenmuth Credit Union
580 N. MAIN ST., PO BOX 209
FRANKENMUTH, MI 48734
* $ 197,237,000 2 $ 160,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ 10,000,000 2 $ 87,000
Megastar Financial
1080 CHEROKEE ST
DENVER, CO 80204
* $ 10,000,000 2 $ 203,000
First Ohio Banc & Lending Inc
6100 ROCKSIDE WOODS BLVD
INDEPENDENCE, OH 44131
* $ 10,000,000 2 $ 275,000
American Bank
9001 EDMONSTON ROAD, SUITE 100
GREENBELT, MD 20770
* $ 529,592,000 2 $ 189,000
State Farm Bank
1 STATE FARM PLAZA
BLOOMINGTON, IL 61710
* $ 16,669,297,000 2 $ 310,000
Purdue Federal CU
1551 WIN HENTSCHEL BLVD., PO BOX 2433
WEST LAFAYETTE, IN 47906
* $ 529,362,000 2 $ 385,000
Nfcu
820 FOLLIN LANE
VIENNA, VA 22180
* $ 36,351,625,000 2 $ 28,000
Copoco Community Credit Union
4265 E WILDER RD
BAY CITY, MI 48706
* $ 61,674,000 2 $ 134,000
Rbs Citizens, N.A.
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 129,725,957,000 2 $ 238,000
US Bank North Dakota
777 EAST WISCONSIN AVE
MILWAUKEE, WI 53202
* $ 4,858,594,000 2 $ 601,000
HSBC Mortgage Corp
2929 WALDEN AVE
DEPEW, NY 14043
* $ 92,958,000 2 $ 353,000
Capwest Mortgage Corporation
14231 METCALF AVE. STE. 200
OVERLAND PARK, KS 66223
* $ 629,176,000 2 $ 372,000
M&T Bank
1 M&T PLAZA -15TH FLOOR
BUFFALO, NY 14203
* $ 64,824,244,000 2 $ 127,000
Branch Banking and Trust Co
223 W NASH STREET
WILSON, NC 27893
* $ 147,483,646,000 2 $ 296,000
Community State Bank
PO BOX 469
BIRCH RUN, MI 48415
* $ 186,958,000 2 $ 179,000
Amera Mortgage Corporation
1050 CORPORATE OFFICE DR #200
MILFORD, MI 48381
* $ 1,300,000,000 2 $ 255,000
First State Mortgage Services
502 N HERSHEY ROAD
BLOOMINGTON, IL 61704
* $ 327,995,000 2 $ 280,000
Equity Services, Inc.
5711 SIX FORKS ROAD, STE 201
RALEIGH, NC 27609
* $ 10,000,000 2 $ 192,000
Homeowners Mortgage of America
100 GALLERIA PARKWAY STE 1400
ATLANTA, GA 30339
* $ 10,000,000 2 $ 432,000
Gold Star Mortgage Financial Group, Corporation
2350 GREEN ROAD SUITE 100B
ANN ARBOR, MI 48105
* $ 10,000,000 2 $ 362,000
Security Atlantic Wholesale
499 THORNALL ST, SUITE 220
EDISON, NJ 08837
* $ 10,000,000 2 $ 272,000
Birmingham Bancorp Mortgage
6230 ORCHARD LAKE ROAD
WEST BLOOMFIELD, MI 48322
* $ 10,000,000 2 $ 301,000
Allied Home Mortgage Corp.
6110 PINEMONT DR., STE. 220
HOUSTON, TX 77092
* $ 10,000,000 2 $ 299,000
Ranlife, Inc.
9272 S. 700 E.
SANDY, UT 84070
* $ 303,000 1 $ 129,000
Homeplus Finance Corporation
2143 S. SEPULVEDA BLVD
LOS ANGELES, CA 90025
* $ 40,000,000 1 $ 6,000
Inlanta Mortgage, Inc.
W239 N3490 PEWAUKEE ROAD, STE.200
PEWAUKEE, WI 53072
* $ 39,000,000 1 $ 173,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ 10,000,000 1 $ 55,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ 10,000,000 1 $ 181,000
Nationwide Mortgage Concepts,
40380 DESERT CREEK LANE
RANCHO MIRAGE, CA 92270
* $ 10,000,000 1 $ 88,000
Ctx Mortgage Company, LLC
1603 LBJ FREEWAY FL 6
DALLAS, TX 75234
* $ 31,000,000 1 $ 528,000
Guidance Residential, LLC
11107 SUNSET HILLS ROAD, STES 100 & 200
RESTON, VA 20190
* $ 10,000,000 1 $ 120,000
Affiliated Mortgage Company
1301 HUDSON LANE
MONROE, LA 71201
* $ 212,423,000 1 $ 129,000
Fentura Mortgage Corp
P O BOX 725
FENTON, MI 48430
* $ 295,000,000 1 $ 100,000
Npb Mortgage LLC
3333 DEPOSIT DRIVE NE
GRAND RAPIDS, MI 49546
* $ 145,000,000 1 $ 338,000
M&I Bank FSB
W57N14280 DOERR WAY
CEDARBURG, WI 53012
* $ 2,568,044,000 1 $ 161,000
Home Savings of America
35 E BROADWAY
LITTLE FALLS, MN 56345
* $ 427,899,000 1 $ 178,000
Aurora Bank FSB
1271 SIXTH AVENUE, 46TH FLOOR
NEW YORK, NY 10020
* $ 6,513,521,000 1 $ 139,000
Incrediblebank
327 N 17TH AVE
WAUSAU, WI 54401
* $ 917,297,000 1 $ 228,000
Community Central Bank
120 N. MAIN STREET
MOUNT CLEMENS, MI 48043
* $ 554,415,000 1 $ 175,000
Uif Corporation
29777 TELEGRAPH RD. SUITE 3590
SOUTHFIELD, MI 48034
* $ 133,851,000 1 $ 189,000
Paramount Bank
31000 NORTHWESTERN HWY., #200
FARMINGTON HILLS, MI 48334
* $ 277,998,000 1 $ 139,000
Equifirst Corporation
13000 S TRYON ST, STE F, PMB 317
CHARLOTTE, NC 28278
* $ 279,777,049,000 1 $ 198,000
Tcb Mortgage LLC
4511 VAN DYKE
ALMONT, MI 48003
* $ 189,681,000 1 $ 135,000
Dart Bank
368 S. PARK ST.
MASON, MI 48854
* $ 266,772,000 1 $ 6,000
Chippewa Valley Bank
15755 W COUNTY ROAD B
HAYWARD, WI 54843
* $ 201,171,000 1 $ 171,000
Centier Bank
600 E 84TH AVENUE
MERRILLVILLE, IN 46410
* $ 1,959,803,000 1 $ 14,000
Cole Taylor Bank
9550 W HIGGINS RAOD
ROSEMONT, IL 60018
* $ 4,378,470,000 1 $ 77,000
M&I Marshall & Ilsley Bank
W57N14280 DOERR WAY
CEDARBURG, WI 53012
* $ 55,486,249,000 1 $ 52,000
Edward Jones Mortgage, LLC
100 N MAIN STREET MAC D4001-063
WINSTON-SALEM, NC 27150
* $ 25,000,000 1 $ 95,000
Access National Mortgage Corp
1800 ROBERT FULTON DR, SUITE 350
RESTON, VA 20191
* $ 10,000,000 1 $ 188,000
Premia Mortgage, LLC
100 N MAIN STREET MAC D4001-063
WINSTON-SALEM, NC 27150
* $ 467,861,000,000 1 $ 200,000
Merrill Lynch Credit Corp
4500 PARK GRANADA CA7-910-01-24
CALABASAS, CA 91302
* $ 2,223,299,000 1 $ 134,000
HSBC Bank USA, NA
1 HSBC CENTER - 24TH FLOOR
BUFFALO, NY 14203
* $ 181,604,079,000 1 $ 136,000
Keybank National Association
100 PUBLIC SQUARE STE 600 OH-01-10-06006
CLEVELAND, OH 44113
* $ 101,868,610,000 1 $ 20,000
Sunflower Bank, N.A.
3025 CORTLAND CIRCLE - PO BOX 800
DALLAS, TX 75225
* $ 1,647,527,000 1 $ 212,000
First National Bank of Cc
P.O. BOX 523
WEST CHESTER, PA 19381
* $ 1,297,208,000 1 $ 122,000
Capital One Home Loans, LLC
12800 FOSTER STREET
OVERLAND PARK, KS 66213
* $ 88,701,411,000 1 $ 120,000
United Bay Community CU
1309 N. LINCOLN AVE.
BAY CITY, MI 48708
* $ 142,296,000 1 $ 4,000
Digital Federal Credit Union
220 DONALD LYNCH BOULEVARD
MARLBOROUGH, MA 01752
* $ 4,494,575,000 1 $ 165,000
American Airlines Federal Cred
4151 AMON CARTER BLVD
FORT WORTH, TX 76155
* $ 5,317,250,000 1 $ 128,000
Health Advantage Federal Credi
4550 STATE ST.
SAGINAW, MI 48603
* $ 88,435,000 1 $ 30,000
Quorum Federal Credit Union
2500 WESTCHESTER AVENUE
PURCHASE, NY 10577
* $ 592,101,000 1 $ 194,000
Affinity Federal Credit Union
73 MOUNTAINVIEW BLVD.
BASKING RIDGE, NJ 07920
* $ 1,845,089,000 1 $ 10,000
Advancial Federal Credit Union
1845 WOODALL RODGERS FWY, SUITE 1300
DALLAS, TX 75231
* $ 626,876,000 1 $ 252,000
Downriver Community Federal CU
4320 W. JEFFERSON
ECORSE, MI 48229
* $ 135,815,000 1 $ 55,000
Nrl Federal Credit Union
5440 CHEROKEE AVE SUITE 200
ALEXANDRIA, VA 22312
* $ 372,740,000 1 $ 115,000
Financial Freedom Acquisition
1 BANTING
IRVINE, CA 92618
* $ 36,000,000,000 1 $ 74,000
Charles Schwab Bank
211 MAIN STREET
SAN FRANCISCO, CA 94105
* $ 25,365,108,000 1 $ 408,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ 11,000,000 1 $ 99,000
Envoy Mortgage, Ltd
10496 KATY FWY STE 250
HOUSTON, TX 77024
* $ 10,000,000 1 $ 127,000
First Residential Mortgage
9721 ORMSBY STATION RD.
LOUISVILLE, KY 40223
* $ 10,000,000 1 $ 148,000
Guardian Mortgage Company, Inc
100 N. CENTRAL EXPRESSWAY SUITE 190
RICHARDSON, TX 75083
* $ 10,000,000 1 $ 175,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ 4,088,336,000 1 $ 213,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ 10,000,000 1 $ 179,000
Vandyk Mortgage Corporation
2449 CAMELOT CT SE
GRAND RAPIDS, MI 49546
* $ 10,000,000 1 $ 78,000
Sunrise Family Credit Union
404 SOUTH EUCLID AVENUE
BAY CITY, MI 48706
* $ 78,229,000 1 $ 42,000
Michigan Schools and Governmen
40400 GARFIELD ROAD
CLINTON TOWNSHIP, MI 48038
* $ 924,359,000 1 $ 70,000
Meijer Credit Union
2410 GAYNOR AVE. NW
GRAND RAPIDS, MI 49544
* $ 50,787,000 1 $ 63,000
Lake Michigan Credit Union
PO BOX 2848
GRAND RAPIDS, MI 49501
* $ 1,488,726,000 1 $ 190,000
Eastman Credit Union
P.O. BOX 1989
KINGSPORT, TN 37662
* $ 2,044,273,000 1 $ 270,000
Prospect Mortgage, LLC
15301 VENTURA BLVD. SUITE D300
SHERMAN OAKS, CA 91403
* $ 10,000,000 1 $ 81,000
1st Advantage Mortgage
701 E 22ND ST, STE 125
LOMBARD, IL 60148
* $ 10,000,000 1 $ 225,000
World Alliance Financial Corp.
3 HUNTINGTON QUADRANGLE SUITE 201N
MELVILLE, NY 11747
* $ 389,397,000 1 $ 124,000

The tables below break down 2009 mortgage applications in Midland 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 Midland 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 3,405 $470,104,000 $138,000 $999,000 $79,000 $1,122,000
Home Purchase 1,314 $152,653,000 $116,000 $500,000 $65,000 $3,900,000
Home Improvement 193 $8,834,000 $45,000 $267,000 $58,000 $209,000

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 3,926 $504,772,000 $128,000 $999,000 $77,000 $1,122,000
Not applicable 457 $52,547,000 $114,000 $640,000 $32,000 $607,000
Not Provided 348 $42,898,000 $123,000 $565,000 $70,000 $635,000
Hispanic 69 $12,132,000 $175,000 $447,000 $167,000 $3,900,000
Asian 64 $12,711,000 $198,000 $417,000 $119,000 $395,000
Black or African American 26 $3,688,000 $141,000 $311,000 $96,000 $385,000
American Indian or Alaskan Native 20 $2,607,000 $130,000 $252,000 $89,000 $236,000
Native Hawaiian or Other Pacific Islander 2 $236,000 $118,000 $184,000 $65,000 $115,000

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) 3,701 $489,739,000 $132,000 $999,000 $86,000 $3,900,000
FHA-insured (Federal Housing Administration) 1,068 $125,801,000 $117,000 $290,000 $41,000 $402,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 78 $6,896,000 $88,000 $245,000 $16,000 $87,000
VA-guaranteed (Veterans Administration) 65 $9,155,000 $140,000 $317,000 $30,000 $127,000

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 2,686 $358,526,000 $133,000 $999,000 $86,000 $1,122,000
Loan Purchased By The Institution 993 $122,571,000 $123,000 $640,000 $44,000 $607,000
Application Denied By Financial Institution 604 $67,519,000 $111,000 $492,000 $63,000 $600,000
Application Withdrawn By Applicant 325 $42,530,000 $130,000 $420,000 $86,000 $3,900,000
Application Approved But Not Accepted 239 $32,276,000 $135,000 $417,000 $82,000 $405,000
File Closed For Incompleteness 65 $8,169,000 $125,000 $361,000 $59,000 $269,000
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 189 $25,981,000 $137,000 $417,000 $82,000 $600,000
Credit History 75 $5,742,000 $76,000 $267,000 $46,000 $114,000
Debt-To-Income Ratio 66 $6,862,000 $103,000 $484,000 $40,000 $113,000
Other 36 $3,921,000 $108,000 $329,000 $76,000 $319,000
Credit Application Incomplete 25 $3,688,000 $147,000 $369,000 $72,000 $175,000
Mortgage Insurance Denied 8 $944,000 $118,000 $200,000 $79,000 $185,000
Insufficient Cash (Downpayment, Closing Cost) 6 $970,000 $161,000 $234,000 $38,000 $94,000
Unverifiable Information 3 $307,000 $102,000 $140,000 $53,000 $100,000
Employment History 1 $121,000 $121,000 $121,000 $52,000 $52,000

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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