Oscoda County, MI Mortgage Lenders & HMDA Data, 2018

In 2018, lenders reported 402 mortgage applications in Oscoda County, MI totaling $34.9 million, up 31% from 2017. The average application was for $86,000, and applicants reported an average income of $72,000. 52% of applications resulted in an originated loan and 23% were denied. The most active lender was Huntington National Bank, with 68 applications, followed by Mercantile Bank and Community Financial.

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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 402
Total Mortgage Loan Application Amount $34,850,000
Average Mortgage Loan Application Amount $86,000
Highest Mortgage Loan Application Amount $525,000
Average Applicant Income $72,000
Highest Applicant Income $411,000

Mortgage Company List for Lending in Oscoda County, MI for 2018

* 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
* $ 104,052,030,000 68 $ 4,600,000
Mercantile Bank
310 LEONARD STREET NORTH WEST
GRAND RAPIDS, MI 49504
* $ 3,266,805,000 27 $ 2,085,000
Community Financial
500 S HARVEY ST
PLYMOUTH, MI 48170
* $ 856,824,000 16 $ 630,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 2,140,778,000,000 11 $ 895,000
Chemical Bank
333 E MAIN STREET
MIDLAND, MI 48640
* $ 19,236,876,000 11 $ 715,000
Mortgage 1 Incorporated
43456 MOUND ROAD
STERLING HEIGHTS, MI 48314
* $ -1,000 10 $ 1,320,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,751,524,000,000 9 $ 875,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 8 $ 660,000
Mbank
130 S CEDAR ST
MANISTIQUE, MI 49854
* $ 983,761,000 8 $ 880,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ -1,000 7 $ 975,000
Amerifirst Financial Corporation
950 TRADE CENTRE WAY SUITE 400
KALAMAZOO, MI 49009
* $ -1,000 7 $ 445,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 370,002,264,000 7 $ 355,000
Mortgage Center Lc
26555 EVERGREEN RD SUITE 900
SOUTHFIELD, MI 48076
* $ -1,000 6 $ 320,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,747,398,000,000 6 $ 640,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 6 $ 630,000
Lake Michigan Credit Union
PO BOX 2848
GRAND RAPIDS, MI 49501
* $ 5,221,804,000 6 $ 640,000
Flagstar Bank NA

TROY, MI 49098
* $ 16,855,693,000 5 $ 335,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 98,729,134,000 4 $ 210,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 4 $ 650,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 80,522,766,000 4 $ 330,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 90,565,764,000 4 $ 350,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ -1,000 3 $ 235,000
Fifth Third Mortgage Company
5001 KINGSLEY DRIVE MD 1MOB2W
CINCINNATI, OH 45227
* $ -1,000 3 $ 375,000
Genisys Credit Union
2100 EXECUTIVE HILLS BLVD
AUBURN HILLS, MI 48326
* $ 2,349,213,000 3 $ 145,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 3 $ 525,000
State Farm Bank, F.S.B.
1 STATE FARM PLAZA E-6
BLOOMINGTON, IL 61710
* $ 16,696,742,000 3 $ 275,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ -1,000 3 $ 165,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ -1,000 3 $ 175,000
Financial Plus Credit Union
G-3381 VAN SLYKE RD, P.O. BOX 7006
FLINT, MI 48507
* $ 520,485,000 3 $ 145,000
Michigan Mutual, Inc
911 MILITARY STREET
PORT HURON, MI 48060
* $ -1,000 3 $ 225,000
Independent Bank
4200 EAST BELTLINE
GRAND RAPIDS, MI 49525
* $ 2,780,041,000 3 $ 165,000
Gold Star Mortgage Financial Group, Corporation
2350 GREEN ROAD SUITE 100B
ANN ARBOR, MI 48105
* $ -1,000 3 $ 175,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ -1,000 3 $ 155,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 3 $ 495,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ 2,002,887,000 3 $ 145,000
Northpointe Bank
3333 DEPOSIT DRIVE NE
GRAND RAPIDS, MI 49546
* $ 827,634,000 2 $ 220,000
Hall Financial
888 W BIG BEAVER RD, SUITE 800
TROY, MI 48083
* $ -1,000 2 $ 330,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ -1,000 2 $ 150,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ -1,000 2 $ 180,000
Wildfire Credit Union
6640 BAY RD
SAGINAW, MI 48605
* $ 763,847,000 2 $ 230,000
Click N' Close, Inc.
15301 SPECTRUM DRIVE, SUITE 405
ADDISON, TX 75001
* $ -1,000 2 $ 140,000
Fifth Third Bank
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ 140,077,697,000 2 $ 60,000
Credit Union One
400 E NINE MILE RD
FERNDALE, MI 48220
* $ 1,144,824,000 2 $ 280,000
Homeward Residential, Inc.
16675 ADDISON ROAD
ADDISON, TX 75001
* $ -1,000 2 $ 170,000
Dow Credit Union
600 E. LYON ROAD P.O. BOX 1649
MIDLAND, MI 48641
* $ 1,638,115,000 2 $ 70,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ -1,000 2 $ 160,000
Msu Federal Credit Union
3777 WEST ROAD
EAST LANSING, MI 48823
* $ 3,846,080,000 2 $ 250,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 2 $ 180,000
Academy Mortgage Corporation
339 WEST 13490 SOUTH
SALT LAKE CITY, UT 84020
* $ -1,000 2 $ 250,000
Elga Credit Union
2303 S. CENTER ROAD
GRAND BLANC, MI 48439
* $ 568,721,000 2 $ 160,000
Ditech Financial LLC
1100 VIRGINIA DRIVE, SUITE 100
FORT WASHINGTON, PA 19034
* $ -1,000 2 $ 100,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ -1,000 1 $ 215,000
Community Choice Credit Union
31155 NORTHWESTERN HWY
FARMINGTON HILLS, MI 48334
* $ 1,027,503,000 1 $ 15,000
Cbc National Bank
1891 SOUTH 14TH STREET
FERNANDINA BEACH, FL 32034
* $ 604,714,000 1 $ 205,000
Suntrust Mortgage, Inc.
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ -1,000 1 $ 205,000
One Reverse Mortgage, LLC
4445 EASTGATE MALL, SUITE 320
SAN DIEGO, CA 92121
* $ -1,000 1 $ 55,000
Eastern Michigan Bank
65 N HOWARD AVE
CROSWELL, MI 48422
* $ 329,424,000 1 $ 145,000
Pacific Union Financial, LLC
8900 FREEPORT PKWY, STE 150
IRVING, TX 75063
* $ -1,000 1 $ 75,000
Michigan Schools and Governmen
40400 GARFIELD ROAD
CLINTON TOWNSHIP, MI 48038
* $ 1,853,578,000 1 $ 65,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ -1,000 1 $ 125,000
Greenstone Farm Credit Services
3515 WEST RD
EAST LANSING, MI 48823
* $ -1,000 1 $ 105,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ -1,000 1 $ 215,000
Sovereign Lending Group Inc.

NEWPORT BEACH, CA 92660
* $ -1,000 1 $ 195,000
Huron Valley Financial, Inc.
2395 OAK VALLEY DRIVE, SUITE 200
ANN ARBOR, MI 48103
* $ -1,000 1 $ 75,000
Lakestone Bank & Trust
83 W NEPESSING ST
LAPEER, MI 48446
* $ 602,429,000 1 $ 105,000
1st State Bank
PO BOX 1468
SAGINAW, MI 48605
* $ 260,812,000 1 $ 35,000
Shoreham Bank
ONE HOME LOAN PLAZA
WARWICK, RI 02886
* $ 264,496,000 1 $ 15,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ -1,000 1 $ 75,000
Northstar Bank
833 S. VAN DYKE RD.
BAD AXE, MI 48413
* $ 637,553,000 1 $ 245,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ -1,000 1 $ 75,000
Ruoff Mortgage Company
1700 MAGNAVOX WAY SUITE 220
FORT WAYNE, IN 46804
* $ -1,000 1 $ 255,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 1 $ 25,000
Dort Financial Credit Union
9048 HOLLY ROAD
GRAND BLANC, MI 48439
* $ 783,695,000 1 $ 75,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ -1,000 1 $ 165,000
First State Bank
24300 LITTLE MACK
ST CLAIR SHORES, MI 48080
* $ 669,710,000 1 $ 185,000
Vandyk Mortgage Corporation
2449 CAMELOT CT SE
GRAND RAPIDS, MI 49546
* $ -1,000 1 $ 275,000
Lendingone LLC
901 YAMATO RD #150
BOCA RATON, FL 33431
* $ -1,000 1 $ 55,000
United Federal Credit Union
2807 SOUTH STATE ST
ST. JOSEPH, MI 49085
* $ 2,602,670,000 1 $ 35,000
Keybank National Association
127 PUBLIC SQUARE
CLEVELAND, OH 44114
* $ 135,758,439,000 1 $ 25,000
Michigan Educational
9200 HAGGERTY ROAD
PLYMOUTH, MI 48170
* $ 799,558,000 1 $ 115,000
Honor Credit Union
EDGEWOOD RD
BERRIEN SPRINGS, MI 49103
* $ 852,608,000 1 $ 25,000
Land Home Financial Services,
1355 WILLOW WAY, SUITE 250
CONCORD, CA 94520
* $ -1,000 1 $ 215,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ -1,000 1 $ 95,000
First Federal Bank of Kansas City
6900 EXECUTIVE DR
KANSAS CITY, MO 64120
* $ 725,571,000 1 $ 125,000
Ross Mortgage Corporation
2075 W. BIG BEAVER, SUITE 700
TROY, MI 48084
* $ -1,000 1 $ 65,000
Top Flite Financial, Inc.
123 E GRAND RIVER AVE
WILLIAMSTON, MI 48895
* $ -1,000 1 $ 165,000
Comerica Bank

FARMINGTON HILLS, MI 48331
* $ 71,609,090,000 1 $ 35,000
Fifth Third Mortgage-Mi, LLC
5001 KINGSLEY DRIVE MD 1MOB2W
CINCINNATI, OH 45227
* $ -1,000 1 $ 75,000
Total Mortgage Services, LLC
185 PLAINS ROAD
MILFORD, CT 06461
* $ -1,000 1 $ 65,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD SUITE 400
BRENTWOOD, TN 37027
* $ -1,000 1 $ 195,000
Directions Credit Union
5121 WHITEFORD ROAD
TOLEDO, OH 43604
* $ 715,175,000 1 $ 145,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 121,995,997,000 1 $ 115,000
Advantage One Credit Union
23670 TELEGRAPH RD.
BROWNSTOWN, MI 48134
* $ 139,681,000 1 $ 55,000
Success Mortgage Partners, Inc
1200 S. SHELDON RD.
PLYMOUTH, MI 48170
* $ -1,000 1 $ 45,000
Pfcu
9077 CHARLOTTE HWY
PORTLAND, MI 48875
* $ 321,686,000 1 $ 45,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ -1,000 1 $ 55,000
Dfcu Financial
400 TOWN CENTER DRIVE
DEARBORN, MI 48121
* $ 4,628,126,000 1 $ 55,000
Reverse Mortgage Funding LLC
1455 BROAD ST., 2ND FL
BLOOMFIELD, NJ 07003
* $ -1,000 1 $ 115,000
Member First Mortgage, LLC
616 44TH STREET SE
GRAND RAPIDS, MI 49548
* $ -1,000 1 $ 115,000
Vibe Credit Union
1375 N OAKLAND BLVD
NOVI, MI 48377
* $ 351,240,000 1 $ 105,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ -1,000 1 $ 115,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 456,025,829,000 1 $ 175,000
The State Bank
175 N LEROY ST
FENTON, MI 48430
* $ 781,268,000 1 $ 65,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 316,352,000 1 $ 125,000

The tables below break down 2018 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 2018

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 196 $19,630,000 $100,000 $525,000 $79,000 $411,000
Cash-out Refinancing 63 $5,955,000 $94,000 $295,000 $62,000 $230,000
Refinancing 55 $5,065,000 $92,000 $335,000 $67,000 $184,000
Other Purpose 44 $2,280,000 $51,000 $145,000 $65,000 $190,000
Home Improvement 40 $1,660,000 $41,000 $105,000 $68,000 $356,000
Not Applicable 4 $260,000 $65,000 $75,000 $33,000 $33,000

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 336 $28,940,000 $86,000 $525,000 $70,000 $390,000
Not Provided 42 $3,640,000 $86,000 $255,000 $81,000 $411,000
Not applicable 16 $1,520,000 $95,000 $275,000 $36,000 $42,000
Asian 3 $305,000 $101,000 $125,000 $60,000 $122,000
Hispanic 2 $260,000 $130,000 $185,000 $102,000 $169,000
American Indian or Alaskan Native 2 $120,000 $60,000 $65,000 $166,000 $290,000
Native Hawaiian or Other Pacific Islander 0 $0 $0 $0 $0 $0
Black or African American 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 $24,475,000 $82,000 $525,000 $79,000 $411,000
FHA-insured (Federal Housing Administration) 52 $3,880,000 $74,000 $195,000 $46,000 $166,000
VA-guaranteed (Veterans Administration) 37 $4,855,000 $131,000 $295,000 $59,000 $144,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 18 $1,640,000 $91,000 $155,000 $45,000 $109,000

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 208 $17,950,000 $86,000 $525,000 $74,000 $390,000
Application Denied By Financial Institution 92 $7,290,000 $79,000 $225,000 $63,000 $356,000
Application Withdrawn By Applicant 55 $5,435,000 $98,000 $335,000 $76,000 $411,000
Loan Purchased By The Institution 23 $2,565,000 $111,000 $275,000 $75,000 $188,000
File Closed For Incompleteness 18 $1,130,000 $62,000 $175,000 $86,000 $280,000
Application Approved But Not Accepted 5 $415,000 $83,000 $235,000 $43,000 $95,000
Preapproval Approved but not Accepted 1 $65,000 $65,000 $65,000 $75,000 $75,000
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 305 $27,045,000 $88,000 $525,000 $75,000 $411,000
Credit History 31 $2,225,000 $71,000 $205,000 $65,000 $356,000
Debt-To-Income Ratio 25 $2,355,000 $94,000 $225,000 $53,000 $182,000
Collateral 20 $1,530,000 $76,000 $195,000 $70,000 $156,000
Credit Application Incomplete 9 $605,000 $67,000 $115,000 $62,000 $109,000
Other 6 $460,000 $76,000 $145,000 $51,000 $144,000
Unverifiable Information 5 $565,000 $113,000 $215,000 $90,000 $120,000
Insufficient Cash (Downpayment, Closing Cost) 1 $65,000 $65,000 $65,000 $35,000 $35,000
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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