Oscoda County, MI Mortgage Lenders & HMDA Data, 2025

In 2025, lenders reported 409 mortgage applications in Oscoda County, MI totaling $62.6 million, up 8% from 2024. The average application was for $153,000, and applicants reported an average income of $98,000. 50% of applications resulted in an originated loan and 19% were denied. The most active lender was Huntington National Bank, with 61 applications, followed by Community Financial and United Wholesale Mortgage.

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Whether you're an industry professional, homebuyer, or researcher, this data helps you stay informed about local mortgage trends and lending activity.

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 409
Total Mortgage Loan Application Amount $62,595,000
Average Mortgage Loan Application Amount $153,000
Highest Mortgage Loan Application Amount $765,000
Average Applicant Income $98,000
Highest Applicant Income $582,000

Mortgage Company List for Lending in Oscoda 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
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ n/a 61 $ 7,905,000
Community Financial
500 S HARVEY ST
PLYMOUTH, MI 48170
* $ n/a 28 $ 2,860,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ n/a 24 $ 4,190,000
Mercantile Bank
310 LEONARD STREET NORTH WEST
GRAND RAPIDS, MI 49504
* $ n/a 17 $ 1,835,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ n/a 11 $ 1,805,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ n/a 10 $ 1,780,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ n/a 9 $ 1,635,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ n/a 9 $ 1,255,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ n/a 8 $ 1,400,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ n/a 8 $ 1,060,000
Mortgage Center Lc
26555 EVERGREEN RD SUITE 900
SOUTHFIELD, MI 48076
* $ n/a 7 $ 895,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ n/a 7 $ 1,215,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ n/a 7 $ 1,045,000
Figure Lending LLC

SAN FRANCISCO, CA 94108
* $ n/a 6 $ 330,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ n/a 6 $ 1,180,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ n/a 5 $ 905,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ n/a 5 $ 1,185,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ n/a 4 $ 390,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ n/a 4 $ 400,000
Mortgage 1 Incorporated
43456 MOUND ROAD
STERLING HEIGHTS, MI 48314
* $ n/a 4 $ 550,000
Greenstone Farm Credit Services
3515 WEST RD
EAST LANSING, MI 48823
* $ n/a 4 $ 880,000
Nicolet National Bank
111 N WASHINGTON ST
GREEN BAY, WI 54301
* $ n/a 4 $ 650,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ n/a 4 $ 450,000
Genisys Credit Union
2100 EXECUTIVE HILLS BLVD
AUBURN HILLS, MI 48326
* $ n/a 4 $ 240,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ n/a 4 $ 530,000
Legacy Mortgage
1537 E HILL RD SUITE 100
GRAND BLANC, MI 48439
* $ n/a 3 $ 385,000
First State Bank
24300 LITTLE MACK
ST CLAIR SHORES, MI 48080
* $ n/a 3 $ 735,000
Sofi Bank, National Association

FRISCO, TX 75034
* $ n/a 3 $ 575,000
Dart Bank
368 S. PARK ST.
MASON, MI 48854
* $ n/a 3 $ 705,000
Fifth Third Bank, National Association
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ n/a 3 $ 175,000
Staunton Financial Inc
25800 NORTHWESTERN HIGHWAY SUITE 110
SOUTHFIELD, MI 48076
* $ n/a 3 $ 435,000
Lake Michigan Credit Union
PO BOX 2848
GRAND RAPIDS, MI 49501
* $ n/a 3 $ 375,000
Dfcu Financial
400 TOWN CENTER DRIVE
DEARBORN, MI 48121
* $ n/a 3 $ 445,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ n/a 2 $ 310,000
First National Bank of America
241 EAST SAGINAW
EAST LANSING, MI 48823
* $ n/a 2 $ 210,000
Superior National Bank
235 QUINCY ST
HANCOCK, MI 49930
* $ n/a 2 $ 460,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ n/a 2 $ 300,000
Flagstar Bank NA

TROY, MI 49098
* $ n/a 2 $ 40,000
Elga Credit Union
2303 S. CENTER ROAD
GRAND BLANC, MI 48439
* $ n/a 2 $ 90,000
Loc Credit Union
6246 CHASE ROAD
FARMINGTON, MI 48336
* $ n/a 2 $ 70,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD SUITE 400
BRENTWOOD, TN 37027
* $ n/a 2 $ 120,000
Michigan United Credit Union
576 E LINCOLN ST
BIRMINGHAM, MI 48009
* $ n/a 2 $ 110,000
Case Credit Union
PO BOX 22158 4316 SOUTH PENNSYLVANIA AVENUE
LANSING, MI 48909
* $ n/a 2 $ 1,530,000
Saygo Home Loans, LLC
8155 E INDIAN BEND RD, STE 107
SCOTTSDALE, AZ 85250
* $ n/a 2 $ 330,000
Spring Eq, LLC
1 WEST ELM STREET SUITE 450
CONSHOHOCKEN, PA 19428
* $ n/a 2 $ 100,000
Equity Prime Mortgage LLC
5 CONCOURSE PKWY, STE 2250
ATLANTA, GA 30328
* $ n/a 2 $ 730,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ n/a 2 $ 270,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ n/a 2 $ 320,000
Old National Bank
ONE MAIN STREET
EVANSVILLE, IN 47708
* $ n/a 2 $ 240,000
Michigan Schools and Governmen
40400 GARFIELD ROAD
CLINTON TOWNSHIP, MI 48038
* $ n/a 2 $ 160,000
Goodleap, LLC
8781 SIERRA COLLEGE BLVD
ROSEVILLE, CA 95661
* $ n/a 2 $ 210,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ n/a 1 $ 165,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ n/a 1 $ 455,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ n/a 1 $ 65,000
Gvc Mortgage, Inc.
ONE PLAZA DRIVE, SUITE 3
SUITE 200, IN 46064
* $ n/a 1 $ 275,000
Keybank National Association
127 PUBLIC SQUARE
CLEVELAND, OH 44114
* $ n/a 1 $ 35,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ n/a 1 $ 45,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ n/a 1 $ 435,000
State Savings Bank
703 MAIN ST
FRANKFORT, MI 49635
* $ n/a 1 $ 205,000
Northstar Bank
833 S. VAN DYKE RD.
BAD AXE, MI 48413
* $ n/a 1 $ 285,000
Top Flite Financial, Inc.
123 E GRAND RIVER AVE
WILLIAMSTON, MI 48895
* $ n/a 1 $ 275,000
Tomo Mortgage LLC
909 THIRD AVENUE 9TH FL
NEW YORK, NY 10018
* $ n/a 1 $ 525,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ n/a 1 $ 85,000
Plains Commerce Bank
220 MAIN ST
HOVEN, SD 57450
* $ n/a 1 $ 335,000
Msu Federal Credit Union
3777 WEST ROAD
EAST LANSING, MI 48823
* $ n/a 1 $ 35,000
A&D Mortgage LLC
899 W. CYPRESS CREEK ROAD
FT. LAUDERDALE, FL 33309
* $ n/a 1 $ 475,000
Comerica Bank

FARMINGTON HILLS, MI 48331
* $ n/a 1 $ 85,000
Cornerstone First Mortgage, LLC
2655 CAMINO DEL RIO N #450
SAN DIEGO, CA 92108
* $ n/a 1 $ 195,000
Consumer Real Estate Finance Co dba Society Mortgage
330 SW 2ND ST #111
FORT LAUDERDALE, FL 33312
* $ n/a 1 $ 145,000
Longbridge Financial, LLC
1 INTERNATIONAL BOULEVARD, SUITE 900
MAHWAH, NJ 07495
* $ n/a 1 $ 55,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ n/a 1 $ 105,000
Change Lending
175 N. RIVERVIEW DRIVE SUITE C
ANAHEIM, CA 92808
* $ n/a 1 $ 265,000
Milend, Inc
375 NORTHRIDGE RD, SUITE 600
ALPHARETTA, GA 30009
* $ n/a 1 $ 145,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ n/a 1 $ 55,000
County National Bank
ONE SOUTH HOWELL ST
HILLSDALE, MI 49242
* $ n/a 1 $ 135,000
Independent Bank
4200 EAST BELTLINE
GRAND RAPIDS, MI 49525
* $ n/a 1 $ 485,000
Blg Holdings, LLC
2353 S. LINDEN RD. SUITE A
FLINT, MI 48507
* $ n/a 1 $ 125,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ n/a 1 $ 185,000
Mortgage300 Corporation
10 SE CENTRAL PARKWAY SUITE 325
STUART, FL 34994
* $ n/a 1 $ 85,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ n/a 1 $ 125,000
Flat Branch Mortgage, Inc.
101 S. FIFTH STREET, STE 200
COLUMBIA, MO 65201
* $ n/a 1 $ 205,000
Click N' Close, Inc.
15301 SPECTRUM DRIVE, SUITE 405
ADDISON, TX 75001
* $ n/a 1 $ 115,000
Citizens Equity First Credit U
5401 W DIRKSEN PKWY
PEORIA, IL 61607
* $ n/a 1 $ 65,000
Dort Financial Credit Union
9048 HOLLY ROAD
GRAND BLANC, MI 48439
* $ n/a 1 $ 95,000
Ross Mortgage Corporation
2075 W. BIG BEAVER, SUITE 700
TROY, MI 48084
* $ n/a 1 $ 475,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ n/a 1 $ 225,000
Bell Bank
3100 13TH AVE S
FARGO, ND 58103
* $ n/a 1 $ 225,000
First Home Mortgage
6211 GREENLEIGH AVENUE SUITE 300
BALTIMORE, MD 21220
* $ n/a 1 $ 135,000
Data Mortgage, Inc

OCALA, FL 34475
* $ n/a 1 $ 275,000
Loanunited.Com, LLC
3235 SATELLITE BLVD SUITE 314
DULUTH, GA 30096
* $ n/a 1 $ 85,000
Resicentral LLC
700 LARKSPUR LANDING CIRCLE SUITE 199-18
LARKSPUR, CA 94939
* $ n/a 1 $ 255,000
Lafcu
106 N MARKETPLACE BLVD
LANSING, MI 48917
* $ n/a 1 $ 45,000
First Merchants Bank
200 E. JACKSON ST.
MUNCIE, IN 47305
* $ n/a 1 $ 435,000
Frankenmuth Credit Union
580 N. MAIN ST., PO BOX 209
FRANKENMUTH, MI 48734
* $ n/a 1 $ 245,000
Coastal Community Bank
PO BOX 12220
EVERETT, WA 98203
* $ n/a 1 $ 35,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ n/a 1 $ 595,000
Sunflower Bank, N.A.
3025 CORTLAND CIRCLE - PO BOX 800
DALLAS, TX 75225
* $ n/a 1 $ 205,000
The Loan Store, Inc

TUCSON, AZ 85718
* $ n/a 1 $ 325,000
Consumers Credit Union
PO BOX 525
KALAMAZOO, MI 49009
* $ n/a 1 $ 55,000
First Federal Bank
4705 US HWY 90 W
LAKE CITY, FL 32055
* $ n/a 1 $ 435,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ n/a 1 $ 65,000
Wildfire Credit Union
6640 BAY RD
SAGINAW, MI 48605
* $ n/a 1 $ 705,000
Choiceone Bank
109 E. DIVISION ST.
SPARTA, MI 49345
* $ n/a 1 $ 225,000
V.I.P. Mortgage, Inc.
9221 E VIA DE VENTURA
SCOTTSDALE, AZ 85258
* $ n/a 1 $ 435,000
Neighborhood Mortgage Solutions, LLC
PO BOX 209 544 N MAIN ST
FRANKENMUTH, MI 48734
* $ n/a 1 $ 65,000
Member First Mortgage, LLC
616 44TH STREET SE
GRAND RAPIDS, MI 49548
* $ n/a 1 $ 145,000
Marshall Community Credit Union
839 W GREEN ST
MARSHALL, MI 49068
* $ n/a 1 $ 105,000
Towne Mortgage Company
888 WEST BIG BEAVER ROAD SUITE 310
TROY, MI 48084
* $ n/a 1 $ 135,000

The tables below break down 2025 mortgage applications in Oscoda 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 Oscoda 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 163 $30,295,000 $185,000 $705,000 $113,000 $582,000
Cash-out Refinancing 94 $14,410,000 $153,000 $765,000 $77,000 $274,000
Refinancing 55 $8,565,000 $155,000 $485,000 $103,000 $479,000
Other Purpose 49 $5,645,000 $115,000 $765,000 $101,000 $481,000
Home Improvement 46 $3,260,000 $70,000 $305,000 $80,000 $306,000
Not Applicable 2 $420,000 $210,000 $275,000 $59,000 $59,000

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 331 $48,325,000 $145,000 $765,000 $95,000 $481,000
Not Provided 34 $5,680,000 $167,000 $525,000 $99,000 $479,000
Not applicable 25 $4,155,000 $166,000 $435,000 $60,000 $72,000
Hispanic 10 $2,330,000 $233,000 $475,000 $136,000 $549,000
American Indian or Alaskan Native 3 $515,000 $171,000 $305,000 $89,000 $107,000
Asian 3 $895,000 $298,000 $595,000 $269,000 $582,000
Black or African American 3 $695,000 $231,000 $305,000 $80,000 $159,000
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) 295 $43,055,000 $145,000 $765,000 $108,000 $582,000
FHA-insured (Federal Housing Administration) 69 $10,185,000 $147,000 $275,000 $57,000 $140,000
VA-guaranteed (Veterans Administration) 38 $8,400,000 $221,000 $475,000 $90,000 $204,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 7 $955,000 $136,000 $165,000 $56,000 $75,000

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 204 $32,320,000 $158,000 $765,000 $110,000 $582,000
Application Denied By Financial Institution 76 $10,870,000 $143,000 $525,000 $87,000 $363,000
Application Withdrawn By Applicant 66 $10,130,000 $153,000 $765,000 $79,000 $481,000
Loan Purchased By The Institution 26 $4,390,000 $168,000 $435,000 $57,000 $70,000
File Closed For Incompleteness 18 $2,410,000 $133,000 $365,000 $79,000 $145,000
Application Approved But Not Accepted 18 $2,120,000 $117,000 $435,000 $95,000 $275,000
Preapproval Approved but not Accepted 1 $355,000 $355,000 $355,000 $121,000 $121,000
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 330 $50,530,000 $153,000 $765,000 $100,000 $582,000
Credit History 22 $2,340,000 $106,000 $265,000 $90,000 $363,000
Collateral 20 $2,940,000 $147,000 $475,000 $105,000 $245,000
Debt-To-Income Ratio 19 $4,205,000 $221,000 $705,000 $65,000 $270,000
Credit Application Incomplete 13 $1,855,000 $142,000 $405,000 $105,000 $187,000
Other 3 $315,000 $105,000 $145,000 $70,000 $124,000
Unverifiable Information 1 $355,000 $355,000 $355,000 $89,000 $89,000
Employment History 1 $55,000 $55,000 $55,000 $55,000 $55,000
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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