Ontonagon County, MI Mortgage Lenders & HMDA Data, 2025
In 2025, lenders reported 165 mortgage applications in Ontonagon County, MI totaling $24.6 million, up 15% from 2024. The average application was for $149,000, and applicants reported an average income of $107,000. 55% of applications resulted in an originated loan and 17% were denied. The most active lender was Flagstar Bank NA, with 8 applications, followed by Bankers' Bank and Mortgage Research Center.
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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 | 165 |
| Total Mortgage Loan Application Amount | $24,585,000 |
| Average Mortgage Loan Application Amount | $149,000 |
| Highest Mortgage Loan Application Amount | $775,000 |
| Average Applicant Income | $107,000 |
| Highest Applicant Income | $1,061,000 |
* 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 |
|---|---|---|---|---|
| Flagstar Bank NA TROY, MI 49098 |
* | $ n/a | 8 | $ 830,000 |
| Bankers' Bank 7700 MINERAL POINT ROAD MADISON, WI 53717 |
* | $ n/a | 8 | $ 1,340,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 7 | $ 1,245,000 |
| Greenstone Farm Credit Services 3515 WEST RD EAST LANSING, MI 48823 |
* | $ n/a | 7 | $ 1,395,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 7 | $ 1,705,000 |
| Covantage Credit Union 723 6TH AVE, PO BOX 107 ANTIGO, WI 54409 |
* | $ n/a | 6 | $ 750,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 6 | $ 770,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ n/a | 6 | $ 980,000 |
| Goodleap, LLC 8781 SIERRA COLLEGE BLVD ROSEVILLE, CA 95661 |
* | $ n/a | 4 | $ 340,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 4 | $ 710,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ n/a | 4 | $ 230,000 |
| Incrediblebank 327 N 17TH AVE WAUSAU, WI 54401 |
* | $ n/a | 4 | $ 1,180,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 4 | $ 590,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 4 | $ 400,000 |
| Associated Bank NA 200 NORTH ADAMS STREET GREEN BAY, WI 54301 |
* | $ n/a | 3 | $ 455,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ n/a | 3 | $ 265,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ n/a | 3 | $ 185,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ n/a | 3 | $ 375,000 |
| Paramount Residential Mortgage 1265 CORONA POINTE CT SUITE 301 CORONA, CA 92879 |
* | $ n/a | 3 | $ 705,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ n/a | 3 | $ 465,000 |
| Superior National Bank 235 QUINCY ST HANCOCK, MI 49930 |
* | $ n/a | 2 | $ 820,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 2 | $ 190,000 |
| Fifth Third Bank, National Association 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ n/a | 2 | $ 110,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ n/a | 1 | $ 305,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ n/a | 1 | $ 85,000 |
| The Loan Store, Inc TUCSON, AZ 85718 |
* | $ n/a | 1 | $ 45,000 |
| First National Bank of America 241 EAST SAGINAW EAST LANSING, MI 48823 |
* | $ n/a | 1 | $ 65,000 |
| Forward Bank 1001 N CENTRAL AVE MARSHFIELD, WI 54449 |
* | $ n/a | 1 | $ 165,000 |
| Sierra Pacific Mortgage Co. Inc 1180 IRON POINT RD, SUITE 200 FOLSOM, CA 95630 |
* | $ n/a | 1 | $ 155,000 |
| Michigan One Community Credit Union 510 S DEXTER ST. IONIA, MI 48446 |
* | $ n/a | 1 | $ 185,000 |
| Nicolet National Bank 111 N WASHINGTON ST GREEN BAY, WI 54301 |
* | $ n/a | 1 | $ 305,000 |
| Chippewa Valley Bank 15755 W COUNTY ROAD B HAYWARD, WI 54843 |
* | $ n/a | 1 | $ 115,000 |
| NFM, Inc 1190 WINTERSON ROAD, SUITE 300 LINTHICUM, MD 21090 |
* | $ n/a | 1 | $ 455,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ n/a | 1 | $ 85,000 |
| Thrivent Bank 2855 EAST COTTONWOOD PARKWAY SUITE 100 SALT LAKE, UT 84121 |
* | $ n/a | 1 | $ 25,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ n/a | 1 | $ 135,000 |
| Servion 500 MAIN STREET NEW BRIGHTON, MN 55112 |
* | $ n/a | 1 | $ 105,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ n/a | 1 | $ 45,000 |
| Cbi Bank & Trust 301 IOWA AVE MUSCATINE, IA 52761 |
* | $ n/a | 1 | $ 375,000 |
| Ark-La-Tex Financial Services LLC 5160 TENNYSON PKWY STE 1000 PLANO, TX 75024 |
* | $ n/a | 1 | $ 55,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ n/a | 1 | $ 285,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ n/a | 1 | $ 255,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 1 | $ 55,000 |
| Consumer Real Estate Finance Co dba Society Mortgage 330 SW 2ND ST #111 FORT LAUDERDALE, FL 33312 |
* | $ n/a | 1 | $ 75,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ n/a | 1 | $ 75,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ n/a | 1 | $ 45,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 1 | $ 185,000 |
| Redwood Residential Acquisition Corporation 1 BELVEDERE PLACE MILL VALLEY, CA 94951 |
* | $ n/a | 1 | $ 185,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ n/a | 1 | $ 85,000 |
| Bayshore Mortgage Funding 1920 GREENSPRING DRIVE, SUITE 140 TIMONIUM, MD 21093 |
* | $ n/a | 1 | $ 95,000 |
| Advia Credit Union 550 S RIVERVIEW DR KALAMAZOO, MI 49009 |
* | $ n/a | 1 | $ 35,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 1 | $ 75,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ n/a | 1 | $ 235,000 |
| Aaa Capital Investment, Inc 41 E LIVE OAK AVE ARCADIA, CA 91006 |
* | $ n/a | 1 | $ 305,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ n/a | 1 | $ 105,000 |
| Legacy Mortgage 1537 E HILL RD SUITE 100 GRAND BLANC, MI 48439 |
* | $ n/a | 1 | $ 135,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ n/a | 1 | $ 125,000 |
The tables below break down 2025 mortgage applications in Ontonagon 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 Ontonagon 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 | 69 | $13,055,000 | $189,000 | $775,000 | $126,000 | $1,061,000 |
| Cash-out Refinancing | 51 | $6,225,000 | $122,000 | $505,000 | $87,000 | $269,000 |
| Refinancing | 20 | $2,960,000 | $148,000 | $385,000 | $96,000 | $252,000 |
| Other Purpose | 16 | $1,610,000 | $100,000 | $305,000 | $105,000 | $518,000 |
| Home Improvement | 8 | $660,000 | $82,000 | $205,000 | $100,000 | $277,000 |
| Not Applicable | 1 | $75,000 | $75,000 | $75,000 | $108,000 | $108,000 |
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 | 126 | $16,950,000 | $134,000 | $505,000 | $108,000 | $1,061,000 |
| Not Provided | 22 | $3,410,000 | $155,000 | $585,000 | $81,000 | $216,000 |
| Not applicable | 14 | $3,780,000 | $270,000 | $775,000 | $98,000 | $136,000 |
| Asian | 2 | $340,000 | $170,000 | $285,000 | $297,000 | $345,000 |
| American Indian or Alaskan Native | 1 | $105,000 | $105,000 | $105,000 | $63,000 | $63,000 |
| 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) | 113 | $15,875,000 | $140,000 | $775,000 | $119,000 | $1,061,000 |
| VA-guaranteed (Veterans Administration) | 26 | $5,620,000 | $216,000 | $585,000 | $84,000 | $164,000 |
| FHA-insured (Federal Housing Administration) | 23 | $2,775,000 | $120,000 | $295,000 | $59,000 | $114,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $315,000 | $105,000 | $125,000 | $50,000 | $60,000 |
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 | 91 | $14,435,000 | $158,000 | $775,000 | $103,000 | $330,000 |
| Application Denied By Financial Institution | 28 | $3,190,000 | $113,000 | $305,000 | $80,000 | $518,000 |
| Application Withdrawn By Applicant | 25 | $2,995,000 | $119,000 | $385,000 | $92,000 | $345,000 |
| Loan Purchased By The Institution | 12 | $2,360,000 | $196,000 | $585,000 | $98,000 | $136,000 |
| File Closed For Incompleteness | 5 | $585,000 | $117,000 | $255,000 | $126,000 | $250,000 |
| Application Approved But Not Accepted | 4 | $1,020,000 | $255,000 | $375,000 | $539,000 | $1,061,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 136 | $21,280,000 | $156,000 | $775,000 | $112,000 | $1,061,000 |
| Collateral | 15 | $1,965,000 | $131,000 | $305,000 | $110,000 | $518,000 |
| Debt-To-Income Ratio | 7 | $495,000 | $70,000 | $115,000 | $66,000 | $213,000 |
| Credit Application Incomplete | 3 | $215,000 | $71,000 | $105,000 | $52,000 | $98,000 |
| Credit History | 2 | $340,000 | $170,000 | $235,000 | $49,000 | $54,000 |
| Other | 1 | $35,000 | $35,000 | $35,000 | $41,000 | $41,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $255,000 | $255,000 | $255,000 | $45,000 | $45,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| 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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