Ontonagon County, MI Mortgage Lenders & HMDA Data, 2024
In 2024, lenders reported 143 mortgage applications in Ontonagon County, MI totaling $18.1 million, up 16% from 2023. The average application was for $126,000, and applicants reported an average income of $87,000. 48% of applications resulted in an originated loan and 21% were denied. The most active lender was Mortgage Research Center, with 8 applications, followed by Flagstar Bank NA and Discover Bank.
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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 | 143 |
| Total Mortgage Loan Application Amount | $18,125,000 |
| Average Mortgage Loan Application Amount | $126,000 |
| Highest Mortgage Loan Application Amount | $545,000 |
| Average Applicant Income | $87,000 |
| Highest Applicant Income | $450,000 |
* 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 |
|---|---|---|---|---|
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 8 | $ 1,240,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ n/a | 8 | $ 640,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ n/a | 7 | $ 865,000 |
| Superior National Bank 235 QUINCY ST HANCOCK, MI 49930 |
* | $ n/a | 7 | $ 725,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 6 | $ 570,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ n/a | 6 | $ 480,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 5 | $ 695,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 5 | $ 755,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 5 | $ 465,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ n/a | 4 | $ 360,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ n/a | 4 | $ 620,000 |
| Incrediblebank 327 N 17TH AVE WAUSAU, WI 54401 |
* | $ n/a | 3 | $ 385,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 3 | $ 665,000 |
| Ark-La-Tex Financial Services LLC 5160 TENNYSON PKWY STE 1000 PLANO, TX 75024 |
* | $ n/a | 3 | $ 475,000 |
| Nicolet National Bank 111 N WASHINGTON ST GREEN BAY, WI 54301 |
* | $ n/a | 3 | $ 275,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ n/a | 3 | $ 435,000 |
| BMO Harris Bank NA 111 W. MONROE CHICAGO, IL 60606 |
* | $ n/a | 2 | $ 310,000 |
| Bankers' Bank 7700 MINERAL POINT ROAD MADISON, WI 53717 |
* | $ n/a | 2 | $ 240,000 |
| Covantage Credit Union 723 6TH AVE, PO BOX 107 ANTIGO, WI 54409 |
* | $ n/a | 2 | $ 470,000 |
| Servion 500 MAIN STREET NEW BRIGHTON, MN 55112 |
* | $ n/a | 2 | $ 140,000 |
| Associated Bank NA 200 NORTH ADAMS STREET GREEN BAY, WI 54301 |
* | $ n/a | 2 | $ 90,000 |
| Range Bank 100 N FRONT ST MARQUETTE, MI 49855 |
* | $ n/a | 2 | $ 130,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ n/a | 2 | $ 110,000 |
| Summit Credit Union PO BOX 8046 COTTAGE GROVE, WI 53527 |
* | $ n/a | 2 | $ 120,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ n/a | 1 | $ 155,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ n/a | 1 | $ 115,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ n/a | 1 | $ 95,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 1 | $ 205,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ n/a | 1 | $ 225,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ n/a | 1 | $ 175,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ n/a | 1 | $ 85,000 |
| Fox Communities Credit Union 3401 E CALUMET STREET APPLETON, WI 54913 |
* | $ n/a | 1 | $ 165,000 |
| Dow Credit Union 600 E. LYON ROAD P.O. BOX 1649 MIDLAND, MI 48641 |
* | $ n/a | 1 | $ 85,000 |
| Thrivent Federal Credit Union SHAKOPEE, MN 55379 |
* | $ n/a | 1 | $ 125,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ n/a | 1 | $ 285,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 1 | $ 185,000 |
| Chippewa Valley Bank 15755 W COUNTY ROAD B HAYWARD, WI 54843 |
* | $ n/a | 1 | $ 545,000 |
| NFM, Inc 1190 WINTERSON ROAD, SUITE 300 LINTHICUM, MD 21090 |
* | $ n/a | 1 | $ 125,000 |
| Connexus Credit Union 2600 PINE RIDGE WAUSAU, WI 54401 |
* | $ n/a | 1 | $ 65,000 |
| Network Funding, L.P. 9700 RICHMOND, SUITE 320 HOUSTON, TX 77042 |
* | $ n/a | 1 | $ 55,000 |
| Honor Bank 2254 HENRY ST HONOR, MI 49640 |
* | $ n/a | 1 | $ 45,000 |
| Third Federal Savings and Loan 7007 BROADWAY AVENUE CLEVELAND, OH 44105 |
* | $ n/a | 1 | $ 15,000 |
| Mms Mortgage Services, Ltd. 38275 TWELVE MILE RD., SUITE 100 FARMINGTON HILLS, MI 48331 |
* | $ n/a | 1 | $ 55,000 |
| Horizon Bank 515 FRANKLIN ST MICHIGAN CITY, IN 46360 |
* | $ n/a | 1 | $ 95,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ n/a | 1 | $ 95,000 |
| Mortgage Center Lc 26555 EVERGREEN RD SUITE 900 SOUTHFIELD, MI 48076 |
* | $ n/a | 1 | $ 55,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ n/a | 1 | $ 75,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ n/a | 1 | $ 115,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 1 | $ 105,000 |
| Ruoff Mortgage Company 1700 MAGNAVOX WAY SUITE 220 FORT WAYNE, IN 46804 |
* | $ n/a | 1 | $ 105,000 |
| Loanunited.Com, LLC 3235 SATELLITE BLVD SUITE 314 DULUTH, GA 30096 |
* | $ n/a | 1 | $ 255,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ n/a | 1 | $ 225,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 1 | $ 405,000 |
| Summit Mortgage Corporation 13355 10TH AVE N, SUITE 100 PLYMOUTH, MN 55442 |
* | $ n/a | 1 | $ 175,000 |
The tables below break down 2024 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 2024
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 | 64 | $9,130,000 | $142,000 | $545,000 | $97,000 | $450,000 |
| Cash-out Refinancing | 40 | $4,970,000 | $124,000 | $335,000 | $87,000 | $323,000 |
| Other Purpose | 17 | $1,845,000 | $108,000 | $255,000 | $69,000 | $209,000 |
| Refinancing | 13 | $1,685,000 | $129,000 | $255,000 | $88,000 | $404,000 |
| Home Improvement | 8 | $450,000 | $56,000 | $105,000 | $61,000 | $140,000 |
| Not Applicable | 1 | $45,000 | $45,000 | $45,000 | $91,000 | $91,000 |
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 | 104 | $12,880,000 | $123,000 | $545,000 | $84,000 | $450,000 |
| Not Provided | 23 | $3,255,000 | $141,000 | $425,000 | $112,000 | $404,000 |
| Not applicable | 10 | $1,230,000 | $123,000 | $225,000 | $0 | $0 |
| Hispanic | 3 | $355,000 | $118,000 | $185,000 | $41,000 | $83,000 |
| Black or African American | 2 | $300,000 | $150,000 | $175,000 | $60,000 | $96,000 |
| American Indian or Alaskan Native | 1 | $105,000 | $105,000 | $105,000 | $38,000 | $38,000 |
| Asian | 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) | 99 | $11,575,000 | $116,000 | $545,000 | $96,000 | $450,000 |
| FHA-insured (Federal Housing Administration) | 22 | $2,830,000 | $128,000 | $335,000 | $70,000 | $169,000 |
| VA-guaranteed (Veterans Administration) | 20 | $3,490,000 | $174,000 | $285,000 | $60,000 | $96,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $230,000 | $115,000 | $125,000 | $82,000 | $82,000 |
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 | 69 | $9,605,000 | $139,000 | $545,000 | $110,000 | $450,000 |
| Application Denied By Financial Institution | 30 | $2,990,000 | $99,000 | $335,000 | $62,000 | $140,000 |
| Application Withdrawn By Applicant | 24 | $3,020,000 | $125,000 | $285,000 | $59,000 | $135,000 |
| File Closed For Incompleteness | 8 | $1,130,000 | $141,000 | $255,000 | $80,000 | $201,000 |
| Loan Purchased By The Institution | 8 | $1,010,000 | $126,000 | $225,000 | $0 | $0 |
| Application Approved But Not Accepted | 4 | $370,000 | $92,000 | $125,000 | $94,000 | $180,000 |
| 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 | 110 | $14,460,000 | $131,000 | $425,000 | $89,000 | $404,000 |
| Debt-To-Income Ratio | 11 | $1,365,000 | $124,000 | $545,000 | $113,000 | $450,000 |
| Collateral | 10 | $1,150,000 | $115,000 | $255,000 | $53,000 | $89,000 |
| Credit History | 8 | $560,000 | $70,000 | $165,000 | $75,000 | $140,000 |
| Credit Application Incomplete | 4 | $590,000 | $147,000 | $335,000 | $82,000 | $100,000 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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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