Ogemaw County, MI Mortgage Lenders & HMDA Data, 2012

In 2012, lenders reported 739 mortgage applications in Ogemaw County, MI totaling $68.1 million, up 18% from 2011. The average application was for $92,000, and applicants reported an average income of $74,000. 50% of applications resulted in an originated loan and 25% were denied. The most active lender was Independent Bank, with 157 applications, followed by JPMorgan Chase Bank, NA 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 739
Total Mortgage Loan Application Amount $68,122,000
Average Mortgage Loan Application Amount $92,000
Highest Mortgage Loan Application Amount $417,000
Average Applicant Income $74,000
Highest Applicant Income $1,044,000

Mortgage Company List for Lending in Ogemaw County, MI for 2012

* 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
Independent Bank
4200 EAST BELTLINE
GRAND RAPIDS, MI 49525
* $ 2,304,743,000 157 $ 13,117,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 1,811,678,000,000 51 $ 4,544,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,161,490,000,000 43 $ 4,193,000
Citizens Bank
328 S SAGINAW ST
FLINT, MI 48502
* $ 9,212,296,000 38 $ 1,730,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 263,309,559,000 37 $ 2,762,000
Chemical Bank
333 E MAIN STREET
MIDLAND, MI 48640
* $ 5,331,931,000 31 $ 2,557,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,288,658,000,000 30 $ 2,851,000
Amerifirst Financial Corporation
950 TRADE CENTRE WAY SUITE 400
KALAMAZOO, MI 49009
* $ 10,000,000 18 $ 1,830,000
Fifth Third Mortgage, Mi LLC
5001 KINGSLEY DRIVE MD 1MOB2W
CINCINNATI, OH 45227
* $ 48,969,000 17 $ 2,492,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ 1,019,497,000,000 16 $ 1,643,000
Ally Bank
2101 REXFORD ROAD, SUITE 350W
CHARLOTTE, NC 28211
* $ 85,381,954,000 14 $ 1,252,000
Flagstar Bank NA

TROY, MI 49098
* $ 13,623,469,000 13 $ 1,490,000
Member First Mortgage, LLC
616 44TH STREET SE
GRAND RAPIDS, MI 49548
* $ 11,800,000 11 $ 1,048,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 11 $ 1,207,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,459,157,302,000 11 $ 925,000
Mortgage Center Lc
26555 EVERGREEN RD SUITE 900
SOUTHFIELD, MI 48076
* $ 30,000,000 11 $ 1,027,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 330,470,810,000 7 $ 707,000
Greenstone Farm Credit Services
3515 WEST RD
EAST LANSING, MI 48823
* $ 10,000,000 7 $ 840,000
Fifth Third Bank
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ 114,540,379,000 7 $ 422,000
Fifth Third Mortgage Company
5001 KINGSLEY DRIVE MD 1MOB2W
CINCINNATI, OH 45227
* $ 114,540,379,000 7 $ 978,000
Wildfire Credit Union
6640 BAY RD
SAGINAW, MI 48605
* $ 652,375,000 6 $ 545,000
Mortgage Investors Corp
6090 CENTRAL AVE
ST. PETERSBURG, FL 33707
* $ 10,000,000 6 $ 562,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ 54,183,383,000 6 $ 830,000
Wanigas Credit Union
4026 SHATTUCK RD
SAGINAW, MI 48603
* $ 263,240,000 6 $ 360,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ 4,088,336,000 5 $ 740,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ 10,000,000 5 $ 491,000
Mortgage300 Corporation
10 SE CENTRAL PARKWAY SUITE 325
STUART, FL 34994
* $ 500,000 5 $ 485,000
Jolt Credit Union
6180 STATE STREET
SAGINAW, MI 48603
* $ 297,935,000 5 $ 524,000
Gmac Mortgage, LLC
1100 VIRGINIA DRIVE
FT. WASHINGTON, PA 19034
* $ 31,000,000 4 $ 380,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 106,940,591,000 3 $ 410,000
First National Bank of America
241 EAST SAGINAW
EAST LANSING, MI 48823
* $ 569,541,000 3 $ 33,000
Thumb National Bank and Trust Company
7254 MICHIGAN AVE., P.O. BOX 560
PIGEON, MI 48755
* $ 215,436,000 3 $ 164,000
First Place Bank
185 EAST MARKET
WARREN, OH 44481
* $ 2,716,563,000 3 $ 550,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ 10,000,000 3 $ 482,000
Michigan Mutual, Inc
911 MILITARY STREET
PORT HURON, MI 48060
* $ 35,000,000,000 3 $ 500,000
United Financial Credit Union
4685 STATE ST.
SAGINAW, MI 48603
* $ 158,843,000 3 $ 264,000
One Reverse Mortgage, LLC
4445 EASTGATE MALL, SUITE 320
SAN DIEGO, CA 92121
* $ 39,000,000 3 $ 176,000
Frankenmuth Credit Union
580 N. MAIN ST., PO BOX 209
FRANKENMUTH, MI 48734
* $ 229,087,000 3 $ 216,000
Lake Michigan Credit Union
PO BOX 2848
GRAND RAPIDS, MI 49501
* $ 2,423,017,000 2 $ 334,000
Msu Federal Credit Union
3777 WEST ROAD
EAST LANSING, MI 48823
* $ 2,135,169,000 2 $ 227,000
Success Mortgage Partners, Inc
1200 S. SHELDON RD.
PLYMOUTH, MI 48170
* $ 1,912,000 2 $ 197,000
Finance of America Reverse LLC
8023 EAST 63RD PLACE, SUITE 700
TULSA, OK 74133
* $ 3,125,000 2 $ 183,000
Service Finance Company, LLC
555 S FEDERAL HIGHWAY SUITE 200
BOCA RATON, FL 33432
* $ 10,000,000 2 $ 37,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ 10,000,000 2 $ 131,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ 10,000,000 2 $ 260,000
Comerica Bank

FARMINGTON HILLS, MI 48331
* $ 60,970,527,000 2 $ 245,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 46,925,466,000 2 $ 196,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 52,181,685,000 2 $ 161,000
Morgan Stanley Private Bank NA
2000 WESTCHESTER AVE
PURCHASE, NY 10577
* $ 12,019,539,000 2 $ 270,000
State Farm Bank, F.S.B.
1 STATE FARM PLAZA E-6
BLOOMINGTON, IL 61710
* $ 14,736,579,000 2 $ 47,000
Gold Star Mortgage Financial Group, Corporation
2350 GREEN ROAD SUITE 100B
ANN ARBOR, MI 48105
* $ 10,000,000 2 $ 200,000
Homeowners Mortgage of America
100 GALLERIA PARKWAY STE 1400
ATLANTA, GA 30339
* $ 10,000,000 2 $ 309,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ 10,000,000 2 $ 223,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ 10,000,000 2 $ 153,000
Towne Mortgage Company
888 WEST BIG BEAVER ROAD SUITE 310
TROY, MI 48084
* $ 35,475,880,000 2 $ 283,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 9,790,194,000 2 $ 64,000
Hantz Bank
26200 AMERICAN DRIVE, 2ND FLOOR
SOUTHFIELD, MI 48034
* $ 55,071,000 2 $ 278,000
Talmer Bank and Trust
2301 W. BIG BEAVER RD., SUITE 200
TROY, MI 48084
* $ 2,126,678,000 2 $ 118,000
Level One Bank
32991 HAMILTON COURT
FARMINGTON HILLS, MI 48334
* $ 463,033,000 1 $ 194,000
Bbmc Mortgage, LLC
100 W. 22ND ST
LOMBARD, IL 60148
* $ 149,000,000 1 $ 133,000
Rbc Bank (Georgia), N.A.
8081 ARCO CORPORATE DRIVE
RALEIGH, NC 27617
* $ 291,219,000 1 $ 40,000
Grand Bank, National Association
2297 HWY 33
HAMILTON, NJ 08690
* $ 341,507,000 1 $ 167,000
Wolverine Bank FSB
5710 EASTMAN AVE
MIDLAND, MI 48640
* $ 293,814,000 1 $ 116,000
Premier Bank
601 CLINTON STREET
YOUNGSTOWN, OH 44503
* $ 2,053,207,000 1 $ 109,000
Proficio Bank
6985 UNION PARK CENTER, SUITE 150
COTTONWOOD HEIGHTS, UT 84047
* $ 142,947,000 1 $ 226,000
Northpointe Bank
3333 DEPOSIT DRIVE NE
GRAND RAPIDS, MI 49546
* $ 298,844,000 1 $ 46,000
First Federal Bank
4705 US HWY 90 W
LAKE CITY, FL 32055
* $ 978,405,000 1 $ 166,000
Main Street Bank
31780 TELEGRAPH ROAD, SUITE 100
BINGHAM FARMS, MI 48025
* $ 107,192,000 1 $ 116,000
Community Financial Credit Uni
PO BOX 8050
PLYMOUTH, MI 48170
* $ 477,875,000 1 $ 6,000
Financial Plus Credit Union
G-3381 VAN SLYKE RD, P.O. BOX 7006
FLINT, MI 48507
* $ 379,917,000 1 $ 53,000
Polish-Am Federal Credit Union
11905 JOSEPH CAMPAU
TROY, MI 48083
* $ 96,442,000 1 $ 51,000
Dow Credit Union
600 E. LYON ROAD P.O. BOX 1649
MIDLAND, MI 48641
* $ 1,397,606,000 1 $ 136,000
Tlc Community Credit Union
3030 S ADRIAN HWY
ADRIAN, MI 49221
* $ 325,866,000 1 $ 32,000
Michigan Educational
9200 HAGGERTY ROAD
PLYMOUTH, MI 48170
* $ 621,921,000 1 $ 134,000
Security Credit Union
5255 SECURITY PARK BLVD
HOLLY, MI 48442
* $ 356,049,000 1 $ 19,000
Vibe Credit Union
1375 N OAKLAND BLVD
NOVI, MI 48377
* $ 166,524,000 1 $ 46,000
Sagelink Credit Union
311 N SAGINAW ST
DURAND, MI 48429
* $ 167,201,000 1 $ 76,000
Chicago Mortgage Solutions LLC
9525 W BRYN MAWR AVE
ROSEMONT, IL 60018
* $ 10,000,000 1 $ 120,000
Wcs Lending, LLC
951 YAMATO ROAD, SUITE 150
BOCA RATON, FL 33431
* $ 25,076,000 1 $ 73,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ 8,994,122,000 1 $ 120,000
Neighborhood Mortgage Solutions, LLC
PO BOX 209 544 N MAIN ST
FRANKENMUTH, MI 48734
* $ 77,551,000 1 $ 135,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ 138,031,000 1 $ 218,000
Generation Mortgage Company
3565 PIEDMONT ROAD, NE STE. 300
ATLANTA, GA 30305
* $ 73,926,000 1 $ 55,000
Homeward Residential, Inc.
16675 ADDISON ROAD
ADDISON, TX 75001
* $ 3,809,880,000 1 $ 144,000
Arbor Mortgage Corporation
2311 EAST BELTLINE AVE SE 200
GRAND RAPIDS, MI 49546
* $ 15,555,000 1 $ 193,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 13,039,950,000 1 $ 124,000
Rmc Vanguard
7670 WOODWAY, SUITE 162
HOUSTON, TX 77063
* $ 20,000,000 1 $ 155,000
Mortgage 1 Incorporated
43456 MOUND ROAD
STERLING HEIGHTS, MI 48314
* $ 9,135,000 1 $ 44,000
Provident Funding Associates
1235 NORTH DUTTON AVE STE E
SANTA ROSA, CA 95401
* $ 10,000,000 1 $ 97,000
Ifreedom Direct Corporation
124 N. CHARLES LINDBERGH DRIVE
SLC, UT 84116
* $ 10,000,000 1 $ 83,000
Primary Residential Mortgage, Inc.
1480 N 2200 W
SALT LAKE CITY, UT 84116
* $ 242,587,000 1 $ 145,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 15,056,671,000 1 $ 165,000
Guardian Mortgage Company, Inc
100 N. CENTRAL EXPRESSWAY SUITE 190
RICHARDSON, TX 75083
* $ 10,000,000 1 $ 62,000
Arbor Financial Credit Union
1551 SOUTH 9TH STREET
KALAMAZOO, MI 49009
* $ 356,846,000 1 $ 128,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ 10,000,000 1 $ 46,000
Truhome Solutions, L.L.C.
9601 LEGLER RD
LENEXA, KS 66219
* $ 1,900,000,000 1 $ 40,000
Michigan Legacy Credit Union
144 E PIKE
WYANDOTTE, MI 48192
* $ 137,234,000 1 $ 40,000
Dart Bank
368 S. PARK ST.
MASON, MI 48854
* $ 272,376,000 1 $ 87,000
Centier Bank
600 E 84TH AVENUE
MERRILLVILLE, IN 46410
* $ 2,123,880,000 1 $ 14,000
United Bank and Trust
2723 S STATE ST
ANN ARBOR, MI 48104
* $ 883,856,000 1 $ 62,000
Community State Bank
PO BOX 469
BIRCH RUN, MI 48415
* $ 197,590,000 1 $ 20,000
Genisys Credit Union
2100 EXECUTIVE HILLS BLVD
AUBURN HILLS, MI 48326
* $ 1,385,299,000 1 $ 6,000
Alliance Catholic Credit Union
26913 NORTHWESTERN HWY STE 520
FARMINGTON HILLS, MI 48334
* $ 254,933,000 1 $ 150,000
Elga Credit Union
2303 S. CENTER ROAD
GRAND BLANC, MI 48439
* $ 284,756,000 1 $ 94,000
Dfcu Financial
400 TOWN CENTER DRIVE
DEARBORN, MI 48121
* $ 3,073,478,000 1 $ 76,000
Team One Credit Union
520 HAYDEN
SAGINAW, MI 48607
* $ 342,214,000 1 $ 40,000
Vibe
44575 W 12 MILE
NOVI, MI 48377
* $ 433,935,000 1 $ 70,000
Total Community Credit Union
25155 GODDARD ROAD
TAYLOR, MI 48180
* $ 49,222,000 1 $ 15,000

The tables below break down 2012 mortgage applications in Ogemaw 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 Ogemaw County, MI in 2012

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 466 $48,949,000 $105,000 $367,000 $77,000 $648,000
Home Purchase 201 $17,939,000 $89,000 $417,000 $82,000 $1,044,000
Home Improvement 72 $1,234,000 $17,000 $117,000 $37,000 $230,000

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 640 $58,994,000 $92,000 $367,000 $77,000 $1,044,000
Not applicable 45 $4,398,000 $97,000 $212,000 $34,000 $275,000
Not Provided 36 $3,677,000 $102,000 $417,000 $97,000 $1,038,000
American Indian or Alaskan Native 8 $355,000 $44,000 $89,000 $49,000 $120,000
Hispanic 7 $368,000 $52,000 $90,000 $49,000 $111,000
Native Hawaiian or Other Pacific Islander 1 $88,000 $88,000 $88,000 $38,000 $38,000
Asian 1 $91,000 $91,000 $91,000 $106,000 $106,000
Black or African American 1 $151,000 $151,000 $151,000 $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) 576 $53,519,000 $92,000 $417,000 $84,000 $1,044,000
FHA-insured (Federal Housing Administration) 86 $7,420,000 $86,000 $226,000 $30,000 $110,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 41 $3,426,000 $83,000 $135,000 $53,000 $1,038,000
VA-guaranteed (Veterans Administration) 36 $3,757,000 $104,000 $250,000 $46,000 $120,000

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 367 $33,487,000 $91,000 $352,000 $85,000 $1,044,000
Application Denied By Financial Institution 184 $15,387,000 $83,000 $367,000 $59,000 $429,000
Loan Purchased By The Institution 84 $8,260,000 $98,000 $237,000 $47,000 $336,000
Application Withdrawn By Applicant 71 $7,954,000 $112,000 $417,000 $92,000 $1,038,000
File Closed For Incompleteness 17 $1,645,000 $96,000 $284,000 $64,000 $264,000
Application Approved But Not Accepted 16 $1,389,000 $86,000 $196,000 $90,000 $339,000
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 31 $3,381,000 $109,000 $355,000 $96,000 $429,000
Credit Application Incomplete 19 $1,728,000 $90,000 $196,000 $71,000 $158,000
Credit History 13 $997,000 $76,000 $165,000 $42,000 $110,000
Other 13 $1,137,000 $87,000 $163,000 $69,000 $181,000
Debt-To-Income Ratio 12 $895,000 $74,000 $135,000 $33,000 $77,000
Unverifiable Information 6 $482,000 $80,000 $180,000 $39,000 $72,000
Insufficient Cash (Downpayment, Closing Cost) 6 $577,000 $96,000 $201,000 $78,000 $213,000
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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