Montmorency County, MI Mortgage Lenders & HMDA Data, 2011
In 2011, lenders reported 406 mortgage applications in Montmorency County, MI totaling $34.0 million, down 5% from 2010. The average application was for $83,000, and applicants reported an average income of $62,000. 53% of applications resulted in an originated loan and 22% were denied. The most active lender was Community Financial Credit Uni, with 76 applications, followed by Independent Bank and PNC Bank 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 | 406 |
| Total Mortgage Loan Application Amount | $34,006,000 |
| Average Mortgage Loan Application Amount | $83,000 |
| Highest Mortgage Loan Application Amount | $425,000 |
| Average Applicant Income | $62,000 |
| Highest Applicant Income | $456,000 |
* 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 |
|---|---|---|---|---|
| Community Financial Credit Uni PO BOX 8050 PLYMOUTH, MI 48170 |
* | $ 457,006,000 | 76 | $ 4,413,000 |
| Independent Bank 4200 EAST BELTLINE GRAND RAPIDS, MI 49525 |
* | $ 2,536,098,000 | 53 | $ 4,596,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 254,825,730,000 | 38 | $ 2,231,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,791,060,000,000 | 29 | $ 3,246,000 |
| Fifth Third Mortgage, Mi LLC 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 48,969,000 | 23 | $ 2,050,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 108,971,662,000 | 16 | $ 1,601,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,104,833,000,000 | 13 | $ 1,147,000 |
| Amerifirst Financial Corporati 616 WEST CENTRE AVENUE PORTAGE, MI 49024 |
* | $ 10,000,000 | 13 | $ 964,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,454,050,584,000 | 11 | $ 722,000 |
| Ally Bank 2101 REXFORD ROAD, SUITE 350W CHARLOTTE, NC 28211 |
* | $ 77,423,723,000 | 11 | $ 922,000 |
| Neighborhood Mortgage Solutions, LLC PO BOX 209 544 N MAIN ST FRANKENMUTH, MI 48734 |
* | $ 77,551,000 | 9 | $ 712,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 12,648,357,000 | 6 | $ 672,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 52,799,993,000 | 6 | $ 678,000 |
| Fifth Third Bank 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 108,668,289,000 | 6 | $ 293,000 |
| Citizens Bank 328 S SAGINAW ST FLINT, MI 48502 |
* | $ 9,709,977,000 | 5 | $ 371,000 |
| First National Bank of America 241 EAST SAGINAW EAST LANSING, MI 48823 |
* | $ 467,975,000 | 5 | $ 169,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 4 | $ 518,000 |
| Chemical Bank 333 E MAIN STREET MIDLAND, MI 48640 |
* | $ 5,237,745,000 | 4 | $ 549,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 4 | $ 497,000 |
| Staunton Financial Inc 25800 NORTHWESTERN HIGHWAY SUITE 110 SOUTHFIELD, MI 48076 |
* | $ 10,000,000 | 3 | $ 178,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 3 | $ 227,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 2 | $ 133,000 |
| Comerica Bank FARMINGTON HILLS, MI 48331 |
* | $ 54,071,375,000 | 2 | $ 175,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,216,291,000,000 | 2 | $ 297,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 48,783,813,000 | 2 | $ 131,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 109,283,991,000 | 2 | $ 378,000 |
| Qr Lending Inc 555 ZOR SHRINE PLACE MADISON, WI 53719 |
* | $ 1,093,327,000 | 2 | $ 191,000 |
| Guardian Mortgage Company, Inc 100 N. CENTRAL EXPRESSWAY SUITE 190 RICHARDSON, TX 75083 |
* | $ 10,000,000 | 2 | $ 117,000 |
| Gmac Mortgage, LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 2 | $ 144,000 |
| Onemain Financial Servi 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 0 | 2 | $ 62,000 |
| Michigan Schools and Governmen 40400 GARFIELD ROAD CLINTON TOWNSHIP, MI 48038 |
* | $ 1,048,990,000 | 2 | $ 175,000 |
| Mortgage Center Lc 26555 EVERGREEN RD SUITE 900 SOUTHFIELD, MI 48076 |
* | $ 30,000,000 | 2 | $ 356,000 |
| Genisys Credit Union 2100 EXECUTIVE HILLS BLVD AUBURN HILLS, MI 48326 |
* | $ 1,335,052,000 | 1 | $ 10,000 |
| Jolt Credit Union 6180 STATE STREET SAGINAW, MI 48603 |
* | $ 286,500,000 | 1 | $ 52,000 |
| Msu Federal Credit Union 3777 WEST ROAD EAST LANSING, MI 48823 |
* | $ 1,962,910,000 | 1 | $ 60,000 |
| Wildfire Credit Union 6640 BAY RD SAGINAW, MI 48605 |
* | $ 609,242,000 | 1 | $ 34,000 |
| Freestar Financial Credit Union PO BOX 2800 MT. CLEMENS, MI 48046 |
* | $ 152,931,000 | 1 | $ 17,000 |
| Alliance Catholic Credit Union 26913 NORTHWESTERN HWY STE 520 FARMINGTON HILLS, MI 48334 |
* | $ 255,930,000 | 1 | $ 225,000 |
| Elga Credit Union 2303 S. CENTER ROAD GRAND BLANC, MI 48439 |
* | $ 260,017,000 | 1 | $ 35,000 |
| Education Plus Credit Union 15470 S TELEGRAPH MONROE, MI 48161 |
* | $ 68,353,000 | 1 | $ 75,000 |
| Farmers Bank and Trust NA 1017 HARRISON GREAT BEND, KS 67530 |
* | $ 665,875,000 | 1 | $ 100,000 |
| UBS Ag, Tampa Branch 3000 BAYPORT TAMPA, FL 33607 |
* | $ 1,400,000,000 | 1 | $ 240,000 |
| Nationwide Bank ONE NATIONWIDE PLAZA COLUMBUS, OH 43215 |
* | $ 3,942,789,000 | 1 | $ 104,000 |
| First National Acceptance Company 241 EAST SAGINAW/P.O. BOX 980 EAST LANSING, MI 48826 |
* | $ 10,498,000 | 1 | $ 38,000 |
| Isabella Bank 139 E. BROADWAY MT PLEASANT, MI 48858 |
* | $ 1,168,698,000 | 1 | $ 183,000 |
| United Bank and Trust 2723 S STATE ST ANN ARBOR, MI 48104 |
* | $ 861,244,000 | 1 | $ 101,000 |
| Mbank 130 S CEDAR ST MANISTIQUE, MI 49854 |
* | $ 478,912,000 | 1 | $ 102,000 |
| Community State Bank PO BOX 469 BIRCH RUN, MI 48415 |
* | $ 192,086,000 | 1 | $ 47,000 |
| First Independence Bank 7310 WOODWARD AVE SUITE 101 DETROIT, MI 48202 |
* | $ 183,830,000 | 1 | $ 108,000 |
| Macatawa Bank, N.A. ROSEMONT, IL 60018 |
* | $ 1,576,134,000 | 1 | $ 132,000 |
| Talmer Bank and Trust 2301 W. BIG BEAVER RD., SUITE 200 TROY, MI 48084 |
* | $ 1,691,253,000 | 1 | $ 284,000 |
| Blueleaf Lending, LLC 112 S SANGAMON STREET 2ND FLOOR CHICAGO, IL 60607 |
* | $ 221,438,000 | 1 | $ 76,000 |
| Energy One Federal Credit Union 6100 S YALE AVE, SUITE 100 TULSA, OK 74136 |
* | $ 183,940,000 | 1 | $ 104,000 |
| PHH Home Loans, LLC 1 MORTGAGE WAY 2ND FLOOR MT LAUREL, NJ 08054 |
* | $ 4,597,939,000 | 1 | $ 375,000 |
| Mortgage 1 Incorporated 43456 MOUND ROAD STERLING HEIGHTS, MI 48314 |
* | $ 9,135,000 | 1 | $ 55,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 1 | $ 16,000 |
| Greenstone Farm Credit Services 3515 WEST RD EAST LANSING, MI 48823 |
* | $ 10,000,000 | 1 | $ 150,000 |
| Amera Mortgage Corporation 1050 CORPORATE OFFICE DRIVE, STE 250 MILFORD, MI 48381 |
* | $ 1,300,000,000 | 1 | $ 135,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ 10,000,000 | 1 | $ 162,000 |
| Arbor Mortgage Corporation 2311 EAST BELTLINE AVE SE 200 GRAND RAPIDS, MI 49546 |
* | $ 15,555,000 | 1 | $ 92,000 |
| Member First Mortgage, LLC 616 44TH STREET SE GRAND RAPIDS, MI 49548 |
* | $ 11,800,000 | 1 | $ 225,000 |
| Mortgage Investors Corp 6090 CENTRAL AVE ST. PETERSBURG, FL 33707 |
* | $ 10,000,000 | 1 | $ 52,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 1 | $ 97,000 |
| American Internet Mortgage, Inc. 4121 CAMINO DEL RIO SOUTH SAN DIEGO, CA 92108 |
* | $ 10,000,000 | 1 | $ 106,000 |
| US Bk NA Nd 4325 17TH AVENUE, S.W. FARGO, ND 58103 |
* | $ 5,955,059,000 | 1 | $ 115,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 12,522,585,000 | 1 | $ 89,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 310,099,589,000 | 1 | $ 80,000 |
The tables below break down 2011 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 2011
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 | 238 | $23,559,000 | $98,000 | $425,000 | $67,000 | $456,000 |
| Home Purchase | 130 | $9,604,000 | $73,000 | $284,000 | $60,000 | $271,000 |
| Home Improvement | 38 | $843,000 | $22,000 | $189,000 | $39,000 | $142,000 |
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 | 352 | $29,054,000 | $82,000 | $425,000 | $62,000 | $417,000 |
| Not Provided | 41 | $3,561,000 | $86,000 | $295,000 | $72,000 | $456,000 |
| Not applicable | 13 | $1,391,000 | $107,000 | $240,000 | $24,000 | $204,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 338 | $28,866,000 | $85,000 | $425,000 | $67,000 | $456,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 32 | $2,384,000 | $74,000 | $119,000 | $31,000 | $63,000 |
| FHA-insured (Federal Housing Administration) | 27 | $1,839,000 | $68,000 | $143,000 | $39,000 | $136,000 |
| VA-guaranteed (Veterans Administration) | 9 | $917,000 | $101,000 | $257,000 | $55,000 | $209,000 |
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 | 217 | $18,848,000 | $86,000 | $375,000 | $65,000 | $412,000 |
| Application Denied By Financial Institution | 89 | $6,352,000 | $71,000 | $425,000 | $55,000 | $417,000 |
| Loan Purchased By The Institution | 39 | $3,609,000 | $92,000 | $240,000 | $56,000 | $271,000 |
| Application Withdrawn By Applicant | 26 | $2,384,000 | $91,000 | $225,000 | $90,000 | $456,000 |
| Application Approved But Not Accepted | 23 | $1,831,000 | $79,000 | $190,000 | $45,000 | $110,000 |
| File Closed For Incompleteness | 12 | $982,000 | $81,000 | $152,000 | $44,000 | $84,000 |
| 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 | 24 | $2,241,000 | $93,000 | $425,000 | $78,000 | $417,000 |
| Credit History | 23 | $1,223,000 | $53,000 | $147,000 | $40,000 | $121,000 |
| Debt-To-Income Ratio | 10 | $461,000 | $46,000 | $100,000 | $50,000 | $246,000 |
| Credit Application Incomplete | 6 | $465,000 | $77,000 | $184,000 | $51,000 | $143,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $287,000 | $57,000 | $79,000 | $34,000 | $65,000 |
| Other | 4 | $281,000 | $70,000 | $92,000 | $72,000 | $147,000 |
| Mortgage Insurance Denied | 1 | $51,000 | $51,000 | $51,000 | $45,000 | $45,000 |
| Unverifiable Information | 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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