Montmorency County, MI Mortgage Lenders & HMDA Data, 2025

In 2025, lenders reported 520 mortgage applications in Montmorency County, MI totaling $79.7 million, up 15% from 2024. The average application was for $153,000, and applicants reported an average income of $93,000. 61% of applications resulted in an originated loan and 17% were denied. The most active lender was Community Financial, with 104 applications, followed by Huntington National Bank and United Wholesale Mortgage.

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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 520
Total Mortgage Loan Application Amount $79,710,000
Average Mortgage Loan Application Amount $153,000
Highest Mortgage Loan Application Amount $795,000
Average Applicant Income $93,000
Highest Applicant Income $557,000

Mortgage Company List for Lending in Montmorency County, MI for 2025

* 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
Community Financial
500 S HARVEY ST
PLYMOUTH, MI 48170
* $ n/a 104 $ 9,490,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ n/a 43 $ 4,495,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ n/a 37 $ 7,835,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ n/a 25 $ 5,405,000
Nicolet National Bank
111 N WASHINGTON ST
GREEN BAY, WI 54301
* $ n/a 12 $ 1,530,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ n/a 12 $ 1,430,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ n/a 9 $ 1,715,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ n/a 8 $ 1,900,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ n/a 8 $ 1,280,000
Greenstone Farm Credit Services
3515 WEST RD
EAST LANSING, MI 48823
* $ n/a 8 $ 1,260,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ n/a 7 $ 1,445,000
Mortgage 1 Incorporated
43456 MOUND ROAD
STERLING HEIGHTS, MI 48314
* $ n/a 7 $ 1,495,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ n/a 7 $ 1,125,000
Fifth Third Bank, National Association
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ n/a 7 $ 565,000
Lake Michigan Credit Union
PO BOX 2848
GRAND RAPIDS, MI 49501
* $ n/a 6 $ 990,000
Ruoff Mortgage Company
1700 MAGNAVOX WAY SUITE 220
FORT WAYNE, IN 46804
* $ n/a 6 $ 710,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ n/a 6 $ 1,020,000
Genisys Credit Union
2100 EXECUTIVE HILLS BLVD
AUBURN HILLS, MI 48326
* $ n/a 5 $ 715,000
State Savings Bank
703 MAIN ST
FRANKFORT, MI 49635
* $ n/a 5 $ 895,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ n/a 4 $ 600,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ n/a 4 $ 1,050,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ n/a 4 $ 1,140,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ n/a 4 $ 810,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ n/a 4 $ 380,000
Coastal Community Bank
PO BOX 12220
EVERETT, WA 98203
* $ n/a 3 $ 125,000
Choiceone Bank
109 E. DIVISION ST.
SPARTA, MI 49345
* $ n/a 3 $ 585,000
Mortgage Center Lc
26555 EVERGREEN RD SUITE 900
SOUTHFIELD, MI 48076
* $ n/a 3 $ 485,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ n/a 3 $ 745,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ n/a 3 $ 845,000
Isabella Bank
139 E. BROADWAY
MT PLEASANT, MI 48858
* $ n/a 3 $ 355,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ n/a 3 $ 395,000
Michigan Mutual, Inc
911 MILITARY STREET
PORT HURON, MI 48060
* $ n/a 3 $ 325,000
Success Mortgage Partners, Inc
1200 S. SHELDON RD.
PLYMOUTH, MI 48170
* $ n/a 3 $ 895,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ n/a 3 $ 235,000
Security Credit Union
5255 SECURITY PARK BLVD
HOLLY, MI 48442
* $ n/a 3 $ 215,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ n/a 3 $ 515,000
Dow Credit Union
600 E. LYON ROAD P.O. BOX 1649
MIDLAND, MI 48641
* $ n/a 3 $ 895,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ n/a 3 $ 155,000
Credit Union One
400 E NINE MILE RD
FERNDALE, MI 48220
* $ n/a 2 $ 330,000
American Heritage Lending, LLC
19800 MACARTHUR BLVD SUITE 950
IRVINE, CA 92612
* $ n/a 2 $ 190,000
University of Michigan Credit Union
340 E. HURON
ANN ARBOR, MI 48104
* $ n/a 2 $ 340,000
Elga Credit Union
2303 S. CENTER ROAD
GRAND BLANC, MI 48439
* $ n/a 2 $ 480,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ n/a 2 $ 140,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ n/a 2 $ 350,000
Dort Financial Credit Union
9048 HOLLY ROAD
GRAND BLANC, MI 48439
* $ n/a 2 $ 580,000
Flagstar Bank NA

TROY, MI 49098
* $ n/a 2 $ 690,000
Figure Lending LLC

SAN FRANCISCO, CA 94108
* $ n/a 2 $ 130,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ n/a 2 $ 170,000
Msu Federal Credit Union
3777 WEST ROAD
EAST LANSING, MI 48823
* $ n/a 2 $ 580,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ n/a 2 $ 200,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ n/a 2 $ 200,000
Charles Schwab Bank, SSB

LONE TREE, CO 80124
* $ n/a 2 $ 950,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ n/a 2 $ 150,000
Neighborhood Mortgage Solutions, LLC
PO BOX 209 544 N MAIN ST
FRANKENMUTH, MI 48734
* $ n/a 2 $ 460,000
Member First Mortgage, LLC
616 44TH STREET SE
GRAND RAPIDS, MI 49548
* $ n/a 2 $ 300,000
Towne Mortgage Company
888 WEST BIG BEAVER ROAD SUITE 310
TROY, MI 48084
* $ n/a 2 $ 630,000
Dfcu Financial
400 TOWN CENTER DRIVE
DEARBORN, MI 48121
* $ n/a 2 $ 260,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ n/a 2 $ 230,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ n/a 2 $ 270,000
Frankenmuth Credit Union
580 N. MAIN ST., PO BOX 209
FRANKENMUTH, MI 48734
* $ n/a 2 $ 560,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ n/a 2 $ 190,000
Financial Plus Credit Union
G-3381 VAN SLYKE RD, P.O. BOX 7006
FLINT, MI 48507
* $ n/a 2 $ 240,000
Sunflower Bank, N.A.
3025 CORTLAND CIRCLE - PO BOX 800
DALLAS, TX 75225
* $ n/a 1 $ 245,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ n/a 1 $ 135,000
Merchants Bank of Indiana
11555 N. MERIDIAN STREET
CARMEL, IN 46032
* $ n/a 1 $ 295,000
Magnolia Bank
PO BOX 188
HODGENVILLE, KY 42748
* $ n/a 1 $ 75,000
First Merchants Bank
200 E. JACKSON ST.
MUNCIE, IN 47305
* $ n/a 1 $ 245,000
Finance of America Reverse LLC
8023 EAST 63RD PLACE, SUITE 700
TULSA, OK 74133
* $ n/a 1 $ 85,000
Staunton Financial Inc
25800 NORTHWESTERN HIGHWAY SUITE 110
SOUTHFIELD, MI 48076
* $ n/a 1 $ 155,000
University Bank
2015 WASHTENAW AVE
ANN ARBOR, MI 48104
* $ n/a 1 $ 405,000
The Richwood Banking Company
28 N. FRANKLIN ST.
RICHWOOD, OH 43344
* $ n/a 1 $ 335,000
Southern Michigan Bank & Trust
51 WEST PEARL STREET
COLDWATER, MI 49036
* $ n/a 1 $ 135,000
Mercantile Bank
310 LEONARD STREET NORTH WEST
GRAND RAPIDS, MI 49504
* $ n/a 1 $ 125,000
Hall Financial
888 W BIG BEAVER RD, SUITE 800
TROY, MI 48083
* $ n/a 1 $ 395,000
Longbridge Financial, LLC
1 INTERNATIONAL BOULEVARD, SUITE 900
MAHWAH, NJ 07495
* $ n/a 1 $ 55,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ n/a 1 $ 125,000
Service 1st Federal Credit Uni
1985 MONTOUR BLVD PO BOX 159
DANVILLE, PA 17821
* $ n/a 1 $ 175,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ n/a 1 $ 115,000
Gold Star Mortgage Financial Group, Corporation
2350 GREEN ROAD SUITE 100B
ANN ARBOR, MI 48105
* $ n/a 1 $ 105,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ n/a 1 $ 265,000
Equity Prime Mortgage LLC
5 CONCOURSE PKWY, STE 2250
ATLANTA, GA 30328
* $ n/a 1 $ 465,000
Alliance Catholic Credit Union
26913 NORTHWESTERN HWY STE 520
FARMINGTON HILLS, MI 48334
* $ n/a 1 $ 265,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ n/a 1 $ 155,000
Kind Lending, LLC
1920 MAIN STREET SUITE 1100 & 1200
IRVINE, CA 92614
* $ n/a 1 $ 65,000
Sofi Bank, National Association

FRISCO, TX 75034
* $ n/a 1 $ 185,000
Horizon Bank
515 FRANKLIN ST
MICHIGAN CITY, IN 46360
* $ n/a 1 $ 85,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ n/a 1 $ 445,000
Spring Eq, LLC
1 WEST ELM STREET SUITE 450
CONSHOHOCKEN, PA 19428
* $ n/a 1 $ 75,000
Lendage, LLC dba Achieve Loans
1875 S GRANT ST
SAN MATEO, CA 94402
* $ n/a 1 $ 85,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ n/a 1 $ 125,000
Top Flite Financial, Inc.
123 E GRAND RIVER AVE
WILLIAMSTON, MI 48895
* $ n/a 1 $ 165,000
Champions Funding, LLC
365 E GERMANN RD #140
GILBERT, AZ 85297
* $ n/a 1 $ 165,000
Cornerstone First Mortgage, LLC
2655 CAMINO DEL RIO N #450
SAN DIEGO, CA 92108
* $ n/a 1 $ 165,000
Consumer Real Estate Finance Co dba Society Mortgage
330 SW 2ND ST #111
FORT LAUDERDALE, FL 33312
* $ n/a 1 $ 165,000
First State Bank
24300 LITTLE MACK
ST CLAIR SHORES, MI 48080
* $ n/a 1 $ 195,000
First Community Mortgage, Inc.
275 ROBERT ROSE DRIVE
MURFREESBORO, TN 37129
* $ n/a 1 $ 125,000
Honor Bank
2254 HENRY ST
HONOR, MI 49640
* $ n/a 1 $ 185,000
Data Mortgage, Inc

OCALA, FL 34475
* $ n/a 1 $ 175,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ n/a 1 $ 25,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ n/a 1 $ 75,000
Loanunited.Com, LLC
3235 SATELLITE BLVD SUITE 314
DULUTH, GA 30096
* $ n/a 1 $ 695,000
Community Choice Credit Union
31155 NORTHWESTERN HWY
FARMINGTON HILLS, MI 48334
* $ n/a 1 $ 125,000
Ross Mortgage Corporation
2075 W. BIG BEAVER, SUITE 700
TROY, MI 48084
* $ n/a 1 $ 435,000
Quorum Federal Credit Union
2500 WESTCHESTER AVENUE
PURCHASE, NY 10577
* $ n/a 1 $ 55,000
Jolt Credit Union
6180 STATE STREET
SAGINAW, MI 48603
* $ n/a 1 $ 105,000
Directions Credit Union
5121 WHITEFORD ROAD
TOLEDO, OH 43604
* $ n/a 1 $ 205,000
Sturgis Bank & Trust
113-125 E CHICAGO RD
STURGIS, MI 49091
* $ n/a 1 $ 165,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD SUITE 400
BRENTWOOD, TN 37027
* $ n/a 1 $ 115,000
Pfcu
9077 CHARLOTTE HWY
PORTLAND, MI 48875
* $ n/a 1 $ 15,000
Provident Funding Associates
1235 NORTH DUTTON AVE STE E
SANTA ROSA, CA 95401
* $ n/a 1 $ 85,000
Michigan United Credit Union
576 E LINCOLN ST
BIRMINGHAM, MI 48009
* $ n/a 1 $ 35,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ n/a 1 $ 55,000
Independent Bank
4200 EAST BELTLINE
GRAND RAPIDS, MI 49525
* $ n/a 1 $ 25,000

The tables below break down 2025 mortgage applications in Montmorency 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 Montmorency County, MI in 2025

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
Home Purchase 234 $44,440,000 $189,000 $795,000 $107,000 $485,000
Cash-out Refinancing 109 $16,035,000 $147,000 $505,000 $79,000 $443,000
Other Purpose 73 $4,805,000 $65,000 $235,000 $72,000 $337,000
Refinancing 55 $10,985,000 $199,000 $695,000 $117,000 $557,000
Home Improvement 48 $3,270,000 $68,000 $505,000 $75,000 $269,000
Not Applicable 1 $175,000 $175,000 $175,000 $0 $0

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 435 $65,235,000 $149,000 $795,000 $92,000 $557,000
Not Provided 54 $8,800,000 $162,000 $475,000 $96,000 $443,000
Not applicable 21 $4,315,000 $205,000 $575,000 $104,000 $158,000
Hispanic 6 $920,000 $153,000 $255,000 $69,000 $101,000
American Indian or Alaskan Native 2 $190,000 $95,000 $135,000 $81,000 $115,000
Asian 1 $115,000 $115,000 $115,000 $485,000 $485,000
Black or African American 1 $135,000 $135,000 $135,000 $47,000 $47,000
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) 391 $52,815,000 $135,000 $795,000 $99,000 $557,000
VA-guaranteed (Veterans Administration) 70 $17,290,000 $247,000 $695,000 $75,000 $180,000
FHA-insured (Federal Housing Administration) 54 $8,730,000 $161,000 $345,000 $64,000 $162,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 5 $875,000 $175,000 $225,000 $62,000 $90,000

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 316 $47,500,000 $150,000 $795,000 $101,000 $557,000
Application Denied By Financial Institution 86 $12,260,000 $142,000 $505,000 $76,000 $387,000
Application Withdrawn By Applicant 52 $8,870,000 $170,000 $465,000 $87,000 $485,000
Loan Purchased By The Institution 26 $5,600,000 $215,000 $605,000 $169,000 $306,000
Application Approved But Not Accepted 20 $1,750,000 $87,000 $205,000 $62,000 $205,000
File Closed For Incompleteness 19 $3,555,000 $187,000 $485,000 $59,000 $151,000
Preapproval Approved but not Accepted 1 $175,000 $175,000 $175,000 $151,000 $151,000
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
Not applicable 427 $66,235,000 $155,000 $795,000 $97,000 $557,000
Debt-To-Income Ratio 29 $3,855,000 $132,000 $395,000 $67,000 $198,000
Collateral 23 $4,535,000 $197,000 $475,000 $98,000 $349,000
Credit History 23 $2,475,000 $107,000 $325,000 $85,000 $387,000
Credit Application Incomplete 9 $1,235,000 $137,000 $245,000 $62,000 $120,000
Other 3 $705,000 $235,000 $505,000 $99,000 $104,000
Unverifiable Information 3 $315,000 $105,000 $135,000 $66,000 $115,000
Employment History 2 $200,000 $100,000 $125,000 $15,000 $31,000
Insufficient Cash (Downpayment, Closing Cost) 1 $155,000 $155,000 $155,000 $13,000 $13,000
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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