In 2008, lenders reported 745 mortgage applications in Missaukee County, MI totaling $67.5 million, down 29% from 2007. The average application was for $90,000, and applicants reported an average income of $52,000. 54% of applications resulted in an originated loan and 21% were denied. The most active lender was Chemical Bank, with 171 applications, followed by Citizens Bank and Fifth Third Mortgage Company.
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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 | 745 |
| Total Mortgage Loan Application Amount | $67,476,000 |
| Average Mortgage Loan Application Amount | $90,000 |
| Highest Mortgage Loan Application Amount | $402,000 |
| Average Applicant Income | $52,000 |
| Highest Applicant Income | $889,000 |
| 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 |
* | $ 3,746,851,000 | 171 | $ 14,337,000 |
| Citizens Bank 328 S SAGINAW ST FLINT, MI 48502 |
* | $ 12,524,748,000 | 75 | $ 5,567,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 61,450,273,000 | 49 | $ 4,895,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,318,888,000,000 | 47 | $ 4,376,000 |
| Fifth Third Mortgage, Mi LLC 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 48,969,650,000 | 41 | $ 4,423,000 |
| Fifth Third Bank Michigan 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 53,421,606,000 | 28 | $ 1,602,000 |
| Countrywide Bank FSB 30930 RUSSELL RANCH ROAD MS CA6-916-02-0 WESTLAKE VILLAGE, CA 91362 |
* | $ 121,054,736,000 | 27 | $ 3,093,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 15,757,171,000 | 22 | $ 2,156,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 19 | $ 1,730,000 |
| Greenstone Farm Credit Services 3515 WEST RD EAST LANSING, MI 48823 |
* | $ 10,000,000 | 17 | $ 1,891,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 467,861,000,000 | 14 | $ 1,619,000 |
| Citifinancial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 13 | $ 618,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 13 | $ 1,327,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 12 | $ 1,381,000 |
| Hfc Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 15,000,000 | 11 | $ 1,004,000 |
| Independent Bank 4200 EAST BELTLINE GRAND RAPIDS, MI 49525 |
* | $ 3,268,684,000 | 8 | $ 149,000 |
| The Huntington National Bank 7575 HUNTINGTON PARK DR COLUMBUS, OH 43235 |
* | $ 54,098,791,000 | 8 | $ 839,000 |
| First Tennessee Bank NA 165 MADISON 5TH FLOOR MEMPHIS, TN 38103 |
* | $ 36,725,591,000 | 7 | $ 733,000 |
| First National Bank of America 241 EAST SAGINAW EAST LANSING, MI 48823 |
* | $ 395,864,000 | 7 | $ 429,000 |
| Independent Mortgage Co 230 W MAIN ST IONIA, MI 48846 |
* | $ 3,268,684,000 | 7 | $ 717,000 |
| Npb Mortgage LLC 3333 DEPOSIT DRIVE NE GRAND RAPIDS, MI 49546 |
* | $ 145,000,000 | 7 | $ 536,000 |
| Citicorp Trust Bank, FSB 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 18,878,056,000 | 7 | $ 841,000 |
| American General Fin.Serv.(De) 601 N.W. SECOND STREET, P.O. BOX 59 EVANSVILLE, IN 47701 |
* | $ 10,000,000 | 7 | $ 140,000 |
| Arbor Mortgage Corporation 2311 EAST BELTLINE AVE SE 200 GRAND RAPIDS, MI 49546 |
* | $ 15,555,000 | 7 | $ 961,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 5 | $ 495,000 |
| Wmcu 1319 FRONT AVE NW GRAND RAPIDS, MI 49504 |
* | $ 84,520,000 | 5 | $ 365,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 28,404,352,000 | 5 | $ 411,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 232,759,503,000 | 5 | $ 539,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,312,794,218,000 | 4 | $ 377,000 |
| Wells Fargo Fin'l America, Inc 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 36,752,895,000 | 4 | $ 526,000 |
| Eloan 9600 WEST BRYN MAWR ROSEMONT, IL 60018 |
* | $ 48,624,000,000 | 4 | $ 530,000 |
| D & R Mortgage Corp 29870 MIDDLEBELT ROAD FARMINGTON HILLS, MI 48334 |
* | $ 10,000,000 | 4 | $ 316,000 |
| Wildfire Credit Union 6640 BAY RD SAGINAW, MI 48605 |
* | $ 443,804,000 | 3 | $ 286,000 |
| First Residential Mortgage 9721 ORMSBY STATION RD. LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 3 | $ 441,000 |
| First Place Bank 185 EAST MARKET WARREN, OH 44481 |
* | $ 33,000 | 3 | $ 489,000 |
| Premium Capital Funding LLC 125 JERICHO TPKE JERICHO, NY 11753 |
* | $ 10,000,000 | 3 | $ 390,000 |
| Member First Mortgage, LLC 616 44TH STREET SE GRAND RAPIDS, MI 49548 |
* | $ 11,800,000 | 3 | $ 433,000 |
| Taylor, Bean & Whitaker 315 NE 14TH STREET OCALA, FL 34470 |
* | $ 10,000,000 | 3 | $ 269,000 |
| Franklin American Mortgage Co 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 2 | $ 291,000 |
| Gvc Mortgage, Inc. ONE PLAZA DRIVE, SUITE 3 SUITE 200, IN 46064 |
* | $ 11,000,000 | 2 | $ 161,000 |
| Ukrainian Selfreliance Mfcu 26791 RYAN WARREN, MI 48091 |
* | $ 144,818,000 | 2 | $ 29,000 |
| Allen Mortgage, LLC P.O. BOX 1168 CENTENNIAL PARK, AZ 86021 |
* | $ 10,000,000 | 2 | $ 319,000 |
| The Dart Mortgage Co., LLC 368 S. PARK ST., P.O. BOX 40 MASON, MI 48854 |
* | $ 218,941,000 | 2 | $ 228,000 |
| Amtrust Bank 1801 E. 9TH ST #200 CLEVELAND, OH 44114 |
* | $ 16,938,391,000 | 2 | $ 193,000 |
| Progressive Mortgage Company 125 S. FIFTH AVE. ANN ARBOR, MI 48104 |
* | $ 327,000,000 | 2 | $ 175,000 |
| United Bank Mortgage Corporati 900 EAST PARIS AVE SE GRAND RAPIDS, MI 49546 |
* | $ 264,000,000 | 2 | $ 61,000 |
| Beneficial Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 4,017,643,000 | 2 | $ 121,000 |
| Capital One NA 11130 INDUSTRIALPLEX BLVD BATON ROUGE, LA 70809 |
* | $ 97,517,902,000 | 2 | $ 14,000 |
| National City Bank 1900 E NINTH ST LOC 01-3144 CLEVELAND, OH 44114 |
* | $ 138,755,343,000 | 2 | $ 133,000 |
| Tcf National Bank 2508 LOUISE AVE S (002-01-P) SIOUX FALLS, SD 57106 |
* | $ 16,041,338,000 | 1 | $ 240,000 |
| Metlife Bank, N.A. 334 MADISON AVENUE CONVENT STATION, NJ 07961 |
* | $ 7,406,877,000 | 1 | $ 60,000 |
| Rbs Citizens, N.A. ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 128,863,082,000 | 1 | $ 50,000 |
| Capital One Home Loans, LLC 12800 FOSTER STREET OVERLAND PARK, KS 66213 |
* | $ 88,701,411,000 | 1 | $ 29,000 |
| Thumb National Mortgage LLC 7254 MICHIGAN AVE PIGEON, MI 48755 |
* | $ 181,354,000 | 1 | $ 125,000 |
| Rose Acceptance, Inc. 241 EAST SAGINAW/PO BOX 980 EAST LANSING, MI 48826 |
* | $ 412,768,000 | 1 | $ 41,000 |
| Wintrust Mortgage Corporation 660 MIDWEST RD SUITE 100 OAK BROOK TERRACE, IL 60181 |
* | $ 300,000,000 | 1 | $ 50,000 |
| Isabella Bank 139 E. BROADWAY MT PLEASANT, MI 48858 |
* | $ 919,703,000 | 1 | $ 57,000 |
| Amera Mortgage Corporation 1050 CORPORATE OFFICE DR #200 MILFORD, MI 48381 |
* | $ 1,247,334,000 | 1 | $ 115,000 |
| Countrywide Home Loans 30930 RUSSELL RANCH ROAD MS WLRR-148 WESTLAKE VILLAGE, CA 91362 |
* | $ 199,946,230,000 | 1 | $ 224,000 |
| M&T Bank 1 M&T PLAZA -15TH FLOOR BUFFALO, NY 14203 |
* | $ 64,072,546,000 | 1 | $ 95,000 |
| Beneficial Financial I, Inc. 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 11,000,000 | 1 | $ 180,000 |
| Chippewa Valley Bank 15755 W COUNTY ROAD B HAYWARD, WI 54843 |
* | $ 180,953,000 | 1 | $ 20,000 |
| Cf Bancorp 525 WATER STREET PORT HURON, MI 48060 |
* | $ 1,795,681,000 | 1 | $ 30,000 |
| Wachovia Mortgage FSB TONYA YOUNG 100 N MAIN ST MAC D4001-063 WINSTON-SALEM, NC 27101 |
* | $ 56,294,475,000 | 1 | $ 80,000 |
| Midfirst Bank 501 NW GRAND BLVD. OKLAHOMA CITY, OK 73118 |
* | $ 12,970,989,000 | 1 | $ 86,000 |
| Security Credit Union 3801 W BOULEVARD DR BOX 5160 FLINT, MI 48505 |
* | $ 260,620,000 | 1 | $ 50,000 |
| Dfcu Financial 400 TOWN CENTER DRIVE DEARBORN, MI 48126 |
* | $ 1,868,073,000 | 1 | $ 77,000 |
| American 1 Federal Credit Unio 718 E. MICHIGAN AVE. JACKSON, MI 49201 |
* | $ 155,654,000 | 1 | $ 45,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 30,219,506,000 | 1 | $ 156,000 |
| Mercantile Bank Mtg Co LLC 4613 ALPINE AVE NW COMSTOCK PARK, MI 49321 |
* | $ 698,000,000 | 1 | $ 179,000 |
| Warren Bank Mortgage Company 38880 GARFIELD CLINTON TOWNSHIP, MI 48038 |
* | $ 638,691,000 | 1 | $ 88,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 1 | $ 195,000 |
| Tlc Community Credit Union 3030 S ADRIAN HWY ADRIAN, MI 49221 |
* | $ 269,550,000 | 1 | $ 100,000 |
| Family First Credit Union 3550 TITTABAWASSEE SAGINAW, MI 48604 |
* | $ 54,007,000 | 1 | $ 20,000 |
| Providence Mortgage Company 500 N HOMER LANSING, MI 48912 |
* | $ 10,000,000 | 1 | $ 157,000 |
| Msu Federal Credit Union 3777 WEST ROAD EAST LANSING, MI 48823 |
* | $ 1,450,443,000 | 1 | $ 250,000 |
| Ge Money Bank 4246 SOUTH RIVERBOAT RDCSUITE 200 SALT LAKE CITY, UT 84123 |
* | $ 14,839,190,000 | 1 | $ 9,000 |
| Lake Michigan Credit Union PO BOX 2848 GRAND RAPIDS, MI 49501 |
* | $ 1,285,200,000 | 1 | $ 90,000 |
| Credit Union One 400 E NINE MILE RD FERNDALE, MI 48220 |
* | $ 764,137,000 | 1 | $ 5,000 |
| Genisys Credit Union 2100 EXECUTIVE HILLS BLVD AUBURN HILLS, MI 48326 |
* | $ 588,699,000 | 1 | $ 12,000 |
| Mortgage Center Lc 26555 EVERGREEN RD SUITE 900 SOUTHFIELD, MI 48076 |
* | $ 30,000,000 | 1 | $ 250,000 |
| Vandyk Mortgage Corporation 2449 CAMELOT CT SE GRAND RAPIDS, MI 49546 |
* | $ 10,000,000 | 1 | $ 90,000 |
| Gold Star Mortgage Financial Group, Corporation 2350 GREEN ROAD SUITE 100B ANN ARBOR, MI 48105 |
* | $ 10,000,000 | 1 | $ 104,000 |
| Homecomings Financial LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 10,000,000 | 1 | $ 115,000 |
| Ranlife, Inc. 9272 S. 700 E. SANDY, UT 84070 |
* | $ 303,000 | 1 | $ 181,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 1 | $ 79,000 |
| Origen Financial Services LLC 27777 FRANKLIN ROAD SUITE 1710 SOUTHFIELD, MI 48034 |
* | $ 10,000,000 | 1 | $ 30,000 |
| Shore Mortgage 770 S. ADAMS ROAD #300 BIRMINGHAM, MI 48009 |
* | $ 10,000,000 | 1 | $ 61,000 |
| Nationwide Mortgage Concepts, 40380 DESERT CREEK LANE RANCHO MIRAGE, CA 92270 |
* | $ 10,000,000 | 1 | $ 78,000 |
| Ideal Mortgage Bankers, Ltd 520 BROADHOLLOW ROAD MELVILLE, NY 11747 |
* | $ 10,000,000 | 1 | $ 65,000 |
The tables below break down 2008 mortgage applications in Missaukee County, MI by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
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 | 477 | $49,140,000 | $103,000 | $402,000 | $48,000 | $294,000 |
| Home Purchase | 160 | $14,613,000 | $91,000 | $339,000 | $61,000 | $312,000 |
| Home Improvement | 108 | $3,723,000 | $34,000 | $336,000 | $61,000 | $889,000 |
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 | 665 | $59,387,000 | $89,000 | $402,000 | $56,000 | $889,000 |
| Not applicable | 41 | $4,210,000 | $102,000 | $296,000 | $7,000 | $151,000 |
| Not Provided | 33 | $3,628,000 | $109,000 | $295,000 | $38,000 | $108,000 |
| American Indian or Alaskan Native | 2 | $55,000 | $27,000 | $35,000 | $26,000 | $43,000 |
| Hispanic | 2 | $24,000 | $12,000 | $15,000 | $49,000 | $50,000 |
| Asian | 1 | $160,000 | $160,000 | $160,000 | $62,000 | $62,000 |
| Black or African American | 1 | $12,000 | $12,000 | $12,000 | $88,000 | $88,000 |
| 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) | 613 | $54,396,000 | $88,000 | $402,000 | $56,000 | $889,000 |
| FHA-insured (Federal Housing Administration) | 109 | $11,407,000 | $104,000 | $206,000 | $35,000 | $113,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 22 | $1,609,000 | $73,000 | $125,000 | $31,000 | $65,000 |
| VA-guaranteed (Veterans Administration) | 1 | $64,000 | $64,000 | $64,000 | $42,000 | $42,000 |
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 | 404 | $35,775,000 | $88,000 | $402,000 | $66,000 | $889,000 |
| Application Denied By Financial Institution | 158 | $13,706,000 | $86,000 | $295,000 | $45,000 | $175,000 |
| Loan Purchased By The Institution | 103 | $9,677,000 | $93,000 | $285,000 | $9,000 | $151,000 |
| Application Withdrawn By Applicant | 38 | $3,857,000 | $101,000 | $295,000 | $47,000 | $111,000 |
| Application Approved But Not Accepted | 34 | $3,629,000 | $106,000 | $231,000 | $63,000 | $294,000 |
| File Closed For Incompleteness | 8 | $832,000 | $104,000 | $192,000 | $50,000 | $76,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 35 | $2,408,000 | $68,000 | $224,000 | $41,000 | $153,000 |
| Collateral | 31 | $3,159,000 | $101,000 | $208,000 | $59,000 | $134,000 |
| Debt-To-Income Ratio | 25 | $2,951,000 | $118,000 | $295,000 | $47,000 | $175,000 |
| Credit Application Incomplete | 7 | $704,000 | $100,000 | $170,000 | $44,000 | $66,000 |
| Other | 7 | $525,000 | $75,000 | $180,000 | $39,000 | $88,000 |
| Unverifiable Information | 3 | $214,000 | $71,000 | $95,000 | $70,000 | $97,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $174,000 | $174,000 | $174,000 | $68,000 | $68,000 |
| 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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