Oscoda County, MI Mortgage Lenders & HMDA Data, 2016
In 2016, lenders reported 313 mortgage applications in Oscoda County, MI totaling $28.4 million, up 10% from 2015. The average application was for $90,000, and applicants reported an average income of $67,000. 53% of applications resulted in an originated loan and 23% were denied. The most active lender was Mercantile Bank, with 41 applications, followed by Chemical Bank and loanDepot.com LLC.
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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 | 313 |
| Total Mortgage Loan Application Amount | $28,408,000 |
| Average Mortgage Loan Application Amount | $90,000 |
| Highest Mortgage Loan Application Amount | $417,000 |
| Average Applicant Income | $67,000 |
| Highest Applicant Income | $600,000 |
* 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 |
|---|---|---|---|---|
| Mercantile Bank 310 LEONARD STREET NORTH WEST GRAND RAPIDS, MI 49504 |
* | $ 2,883,076,000 | 41 | $ 3,322,000 |
| Chemical Bank 333 E MAIN STREET MIDLAND, MI 48640 |
* | $ 9,166,710,000 | 14 | $ 1,188,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 14 | $ 2,364,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 70,879,778,000 | 11 | $ 777,000 |
| Amerifirst Financial Corporation 950 TRADE CENTRE WAY SUITE 400 KALAMAZOO, MI 49009 |
* | $ 10,000,000 | 10 | $ 690,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,610,580,000,000 | 8 | $ 821,000 |
| Community Financial 500 S HARVEY ST PLYMOUTH, MI 48170 |
* | $ 701,971,000 | 7 | $ 127,000 |
| Firstmerit Bank NA III CASCADE PLAZA - CAS46 AKRON, OH 44308 |
* | $ 25,520,808,000 | 6 | $ 306,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 348,291,098,000 | 6 | $ 277,000 |
| Freedom Mortgage Corporation 10500 KINCAID DRIVE FISHERS, IN 46037 |
* | $ 10,000,000 | 6 | $ 634,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 138,620,635,000 | 6 | $ 493,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 6 | $ 575,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 5 | $ 553,000 |
| Fifth Third Mortgage, Mi LLC 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 48,969,000 | 5 | $ 417,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,914,658,000,000 | 5 | $ 479,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ 6,260,444,000 | 5 | $ 393,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 4 | $ 618,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,639,305,000,000 | 4 | $ 523,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 71,130,930,000 | 4 | $ 529,000 |
| Greenstone Farm Credit Services 3515 WEST RD EAST LANSING, MI 48823 |
* | $ 10,000,000 | 4 | $ 402,000 |
| Frankenmuth Credit Union 580 N. MAIN ST., PO BOX 209 FRANKENMUTH, MI 48734 |
* | $ 410,754,000 | 4 | $ 525,000 |
| Towne Mortgage Company 888 WEST BIG BEAVER ROAD SUITE 310 TROY, MI 48084 |
* | $ 35,475,880,000 | 3 | $ 385,000 |
| Mortgage 1 Incorporated 43456 MOUND ROAD STERLING HEIGHTS, MI 48314 |
* | $ 9,135,000 | 3 | $ 462,000 |
| Mortgage Center Lc 26555 EVERGREEN RD SUITE 900 SOUTHFIELD, MI 48076 |
* | $ 30,000,000 | 3 | $ 308,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ 100,247,000 | 3 | $ 41,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,299,801,000,000 | 3 | $ 207,000 |
| Old National Bank ONE MAIN STREET EVANSVILLE, IN 47708 |
* | $ 11,846,211,000 | 3 | $ 145,000 |
| Msu Federal Credit Union 3777 WEST ROAD EAST LANSING, MI 48823 |
* | $ 3,034,515,000 | 3 | $ 65,000 |
| Union Home Mortgage Corp. 8241 DOW CIRCLE STRONGSVILLE, OH 44136 |
* | $ 10,000,000 | 3 | $ 217,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 2 | $ 137,000 |
| Gold Star Mortgage Financial Group, Corporation 2350 GREEN ROAD SUITE 100B ANN ARBOR, MI 48105 |
* | $ 10,000,000 | 2 | $ 212,000 |
| Member First Mortgage, LLC 616 44TH STREET SE GRAND RAPIDS, MI 49548 |
* | $ 11,800,000 | 2 | $ 104,000 |
| Northern Ohio Investment Company 6444 MONROE STREET, SUITE 6 SYLVANIA, OH 43560 |
* | $ 10,000,000 | 2 | $ 82,000 |
| Peoples Bank 4831 W 6TH ST LAWRENCE, KS 66049 |
* | $ 451,930,000 | 2 | $ 282,000 |
| Lake Michigan Credit Union PO BOX 2848 GRAND RAPIDS, MI 49501 |
* | $ 4,089,397,000 | 2 | $ 201,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 186,710,993,000 | 2 | $ 50,000 |
| Team One Credit Union 520 HAYDEN SAGINAW, MI 48607 |
* | $ 451,767,000 | 2 | $ 107,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ 945,758,000 | 2 | $ 107,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 13,649,486,000 | 2 | $ 152,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ 10,000,000 | 2 | $ 252,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ 4,410,000 | 2 | $ 439,000 |
| Dow Credit Union 600 E. LYON ROAD P.O. BOX 1649 MIDLAND, MI 48641 |
* | $ 1,464,830,000 | 2 | $ 193,000 |
| Blg Holdings, LLC 2353 S. LINDEN RD. SUITE A FLINT, MI 48507 |
* | $ 1,781,000 | 2 | $ 178,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ 10,000,000 | 2 | $ 185,000 |
| Stonegate Mortgage Corporation 9190 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 |
* | $ 10,000,000 | 1 | $ 142,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ 11,000,000 | 1 | $ 64,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ 1,825,398,000 | 1 | $ 213,000 |
| Vandyk Mortgage Corporation 2449 CAMELOT CT SE GRAND RAPIDS, MI 49546 |
* | $ 10,000,000 | 1 | $ 56,000 |
| Dfcu Financial 400 TOWN CENTER DRIVE DEARBORN, MI 48121 |
* | $ 4,020,891,000 | 1 | $ 68,000 |
| Lake Trust Credit Union 4605 S OLD US HIGHWAY 23 BRIGHTON, MI 48114 |
* | $ 1,680,740,000 | 1 | $ 35,000 |
| Michigan Schools and Governmen 40400 GARFIELD ROAD CLINTON TOWNSHIP, MI 48038 |
* | $ 1,550,639,000 | 1 | $ 106,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ 10,000,000 | 1 | $ 113,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ 1,000,000,000 | 1 | $ 26,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ 100,000,000 | 1 | $ 48,000 |
| Neighborhood Mortgage Solutions, LLC PO BOX 209 544 N MAIN ST FRANKENMUTH, MI 48734 |
* | $ 77,551,000 | 1 | $ 70,000 |
| Security Credit Union 5255 SECURITY PARK BLVD HOLLY, MI 48442 |
* | $ 406,373,000 | 1 | $ 36,000 |
| United Financial Credit Union 4685 STATE ST. SAGINAW, MI 48603 |
* | $ 185,895,000 | 1 | $ 62,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 1 | $ 78,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 1 | $ 105,000 |
| Ark-La-Tex Financial Services LLC 5160 TENNYSON PKWY STE 1000 PLANO, TX 75024 |
* | $ 10,000,000 | 1 | $ 54,000 |
| 1st Alliance Lending, LLC 111 FOUNDERS PLAZA, SUITE 1300 EAST HARTFORD, CT 06108 |
* | $ 3,285,000 | 1 | $ 65,000 |
| Hallmark Home Mortgage, LLC 7421 COLDWATER ROAD FORT WAYNE, IN 46825 |
* | $ 2,915,000 | 1 | $ 137,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 1 | $ 61,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ 11,000,000 | 1 | $ 168,000 |
| Mbank 130 S CEDAR ST MANISTIQUE, MI 49854 |
* | $ 736,116,000 | 1 | $ 30,000 |
| First State Bank 24300 LITTLE MACK ST CLAIR SHORES, MI 48080 |
* | $ 652,972,000 | 1 | $ 172,000 |
| Ann Arbor State Bank 125 W. WILLIAM STREET ANN ARBOR, MI 48104 |
* | $ 248,544,000 | 1 | $ 195,000 |
| Bbmc Mortgage, LLC 100 W. 22ND ST LOMBARD, IL 60148 |
* | $ 149,000,000 | 1 | $ 90,000 |
| Guaranty Trust Company 316 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ 225,000,000 | 1 | $ 96,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ 2,887,863,000 | 1 | $ 110,000 |
| The State Bank 175 N LEROY ST FENTON, MI 48430 |
* | $ 444,444,000 | 1 | $ 136,000 |
| Michigan Mutual, Inc 911 MILITARY STREET PORT HURON, MI 48060 |
* | $ 35,000,000,000 | 1 | $ 131,000 |
| Capital One, National Association 7933 PRESTON ROAD PLANO, TX 75024 |
* | $ 273,231,606,000 | 1 | $ 110,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 85,747,508,000 | 1 | $ 26,000 |
| Mb Financial Bank, National Association 6111 N. RIVER ROAD ROSEMONT, IL 60018 |
* | $ 15,536,515,000 | 1 | $ 119,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 73,279,079,000 | 1 | $ 119,000 |
| Aac Credit Union 904 BROADWAY NW GRAND RAPIDS, MI 49504 |
* | $ 116,232,000 | 1 | $ 45,000 |
| Zeal Credit Union 17250 NEWBURGH LIVONIA, MI 48152 |
* | $ 531,799,000 | 1 | $ 30,000 |
| Reliant Bank 1736 CAROTHERS PARKWAY BRENTWOOD, TN 37027 |
* | $ 878,814,000 | 1 | $ 93,000 |
| Texas Capital Bank, National Association 2000 MCKINNEY AVE SUITE 700 DALLAS, TX 75201 |
* | $ 18,900,720,000 | 1 | $ 235,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 26,594,410,000 | 1 | $ 24,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 108,064,717,000 | 1 | $ 66,000 |
| Genisys Credit Union 2100 EXECUTIVE HILLS BLVD AUBURN HILLS, MI 48326 |
* | $ 2,002,110,000 | 1 | $ 63,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 1 | $ 104,000 |
| Bridgeview Bank Group 7940 S HARLEM BRIDGEVIEW, IL 60455 |
* | $ 1,077,735,000 | 1 | $ 110,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ 10,000,000 | 1 | $ 90,000 |
| Huron Valley Financial, Inc. 2395 OAK VALLEY DRIVE, SUITE 200 ANN ARBOR, MI 48103 |
* | $ 10,000,000 | 1 | $ 107,000 |
| Homeward Residential, Inc. 16675 ADDISON ROAD ADDISON, TX 75001 |
* | $ 3,809,880,000 | 1 | $ 84,000 |
The tables below break down 2016 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 2016
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 | 146 | $14,296,000 | $97,000 | $417,000 | $63,000 | $600,000 |
| Home Purchase | 141 | $12,853,000 | $91,000 | $300,000 | $72,000 | $335,000 |
| Home Improvement | 26 | $1,259,000 | $48,000 | $236,000 | $72,000 | $194,000 |
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 | 241 | $21,886,000 | $90,000 | $417,000 | $72,000 | $440,000 |
| Not Provided | 46 | $4,005,000 | $87,000 | $331,000 | $65,000 | $600,000 |
| Not applicable | 19 | $1,844,000 | $97,000 | $300,000 | $12,000 | $68,000 |
| Hispanic | 3 | $301,000 | $100,000 | $161,000 | $77,000 | $106,000 |
| American Indian or Alaskan Native | 2 | $147,000 | $73,000 | $83,000 | $35,000 | $47,000 |
| Asian | 2 | $225,000 | $112,000 | $115,000 | $141,000 | $152,000 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiin 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) | 228 | $20,536,000 | $90,000 | $417,000 | $79,000 | $600,000 |
| FHA-insured (Federal Housing Administration) | 39 | $2,954,000 | $75,000 | $220,000 | $31,000 | $90,000 |
| VA-guaranteed (Veterans Administration) | 37 | $4,227,000 | $114,000 | $227,000 | $44,000 | $105,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 9 | $691,000 | $76,000 | $110,000 | $32,000 | $54,000 |
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 | 167 | $14,275,000 | $85,000 | $331,000 | $79,000 | $600,000 |
| Application Denied By Financial Institution | 73 | $7,039,000 | $96,000 | $417,000 | $59,000 | $203,000 |
| Application Withdrawn By Applicant | 26 | $2,786,000 | $107,000 | $236,000 | $62,000 | $152,000 |
| Loan Purchased By The Institution | 23 | $2,227,000 | $96,000 | $235,000 | $26,000 | $188,000 |
| Application Approved But Not Accepted | 13 | $1,059,000 | $81,000 | $220,000 | $56,000 | $151,000 |
| File Closed For Incompleteness | 11 | $1,022,000 | $92,000 | $171,000 | $64,000 | $440,000 |
| 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 | 14 | $1,293,000 | $92,000 | $188,000 | $80,000 | $203,000 |
| Credit Application Incomplete | 8 | $766,000 | $95,000 | $210,000 | $84,000 | $157,000 |
| Credit History | 6 | $171,000 | $28,000 | $68,000 | $36,000 | $57,000 |
| Debt-To-Income Ratio | 6 | $383,000 | $63,000 | $127,000 | $42,000 | $131,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $213,000 | $71,000 | $108,000 | $45,000 | $74,000 |
| Unverifiable Information | 2 | $115,000 | $57,000 | $95,000 | $98,000 | $120,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 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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