Otsego County, MI Mortgage Lenders & HMDA Data, 2008
In 2008, lenders reported 1,306 mortgage applications in Otsego County, MI totaling $147.2 million, down 32% from 2007. The average application was for $112,000, and applicants reported an average income of $61,000. 41% of applications resulted in an originated loan and 25% were denied. The most active lender was Countrywide Bank FSB, with 205 applications, followed by JPMorgan Chase Bank, NA and Community Financial Credit Uni.
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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 | 1,306 |
| Total Mortgage Loan Application Amount | $147,249,000 |
| Average Mortgage Loan Application Amount | $112,000 |
| Highest Mortgage Loan Application Amount | $500,000 |
| Average Applicant Income | $61,000 |
| Highest Applicant Income | $1,144,000 |
* 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 |
|---|---|---|---|---|
| Countrywide Bank FSB 30930 RUSSELL RANCH ROAD MS CA6-916-02-0 WESTLAKE VILLAGE, CA 91362 |
* | $ 121,054,736,000 | 205 | $ 25,908,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,318,888,000,000 | 92 | $ 11,794,000 |
| Community Financial Credit Uni PO BOX 8050 PLYMOUTH, MI 48170 |
* | $ 413,057,000 | 90 | $ 5,187,000 |
| Citizens Bank 328 S SAGINAW ST FLINT, MI 48502 |
* | $ 12,524,748,000 | 78 | $ 11,163,000 |
| Independent Mortgage Co 230 W MAIN ST IONIA, MI 48846 |
* | $ 3,268,684,000 | 63 | $ 6,868,000 |
| Fifth Third Mortgage, Mi LLC 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 48,969,650,000 | 62 | $ 7,423,000 |
| Citifinancial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 54 | $ 2,335,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 61,450,273,000 | 49 | $ 5,441,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 467,861,000,000 | 34 | $ 4,570,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 31 | $ 5,071,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 31 | $ 3,228,000 |
| Fifth Third Bank Michigan 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 53,421,606,000 | 29 | $ 1,857,000 |
| Independent Bank 4200 EAST BELTLINE GRAND RAPIDS, MI 49525 |
* | $ 3,268,684,000 | 24 | $ 525,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 24 | $ 3,327,000 |
| Mbank 130 S CEDAR ST MANISTIQUE, MI 49854 |
* | $ 408,331,000 | 20 | $ 2,065,000 |
| Hfc Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 15,000,000 | 18 | $ 1,558,000 |
| Beneficial Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 4,017,643,000 | 18 | $ 1,620,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 16 | $ 1,894,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 16 | $ 1,632,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 15,757,171,000 | 14 | $ 2,363,000 |
| The Huntington National Bank 7575 HUNTINGTON PARK DR COLUMBUS, OH 43235 |
* | $ 54,098,791,000 | 13 | $ 1,514,000 |
| Wells Fargo Fin'l America, Inc 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 36,752,895,000 | 12 | $ 1,453,000 |
| Countrywide Home Loans 30930 RUSSELL RANCH ROAD MS WLRR-148 WESTLAKE VILLAGE, CA 91362 |
* | $ 199,946,230,000 | 11 | $ 1,520,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 28,404,352,000 | 10 | $ 1,178,000 |
| First National Bank of America 241 EAST SAGINAW EAST LANSING, MI 48823 |
* | $ 395,864,000 | 10 | $ 536,000 |
| First Residential Mortgage 9721 ORMSBY STATION RD. LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 10 | $ 1,678,000 |
| Taylor, Bean & Whitaker 315 NE 14TH STREET OCALA, FL 34470 |
* | $ 10,000,000 | 9 | $ 885,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,312,794,218,000 | 9 | $ 1,024,000 |
| Fidelity Bank 22290 MICHIGAN AVENUE DEARBORN, MI 48124 |
* | $ 1,044,773,000 | 9 | $ 151,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 8 | $ 915,000 |
| Arbor Mortgage Corporation 2311 EAST BELTLINE AVE SE 200 GRAND RAPIDS, MI 49546 |
* | $ 15,555,000 | 8 | $ 1,157,000 |
| Eloan 9600 WEST BRYN MAWR ROSEMONT, IL 60018 |
* | $ 48,624,000,000 | 7 | $ 921,000 |
| Amtrust Bank 1801 E. 9TH ST #200 CLEVELAND, OH 44114 |
* | $ 16,938,391,000 | 6 | $ 891,000 |
| Member First Mortgage, LLC 616 44TH STREET SE GRAND RAPIDS, MI 49548 |
* | $ 11,800,000 | 6 | $ 580,000 |
| D & R Mortgage Corp 29870 MIDDLEBELT ROAD FARMINGTON HILLS, MI 48334 |
* | $ 10,000,000 | 5 | $ 417,000 |
| Assurity Financial Services 6025 SOUTH QUEBEC STREET, #260 ENGLEWOOD, CO 80111 |
* | $ 10,000,000 | 5 | $ 589,000 |
| Merrill Lynch Credit Corp. 4804 DEER LAKE DRIVE EAST BLDG 3 FL 5 JACKSONVILLE, FL 32246 |
* | $ 4,500,000,000 | 5 | $ 1,342,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 30,219,506,000 | 5 | $ 826,000 |
| National City Bank 1900 E NINTH ST LOC 01-3144 CLEVELAND, OH 44114 |
* | $ 138,755,343,000 | 5 | $ 797,000 |
| Chemical Bank 333 E MAIN STREET MIDLAND, MI 48640 |
* | $ 3,746,851,000 | 5 | $ 404,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 232,759,503,000 | 4 | $ 683,000 |
| Citibank, N.A. 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,251,715,000,000 | 4 | $ 223,000 |
| US Bank North Dakota 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 5,028,246,000 | 4 | $ 548,000 |
| Ge Money Bank 4246 SOUTH RIVERBOAT RDCSUITE 200 SALT LAKE CITY, UT 84123 |
* | $ 14,839,190,000 | 4 | $ 38,000 |
| Homecomings Financial LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 10,000,000 | 4 | $ 470,000 |
| Birmingham Bancorp Mortgage 6230 ORCHARD LAKE ROAD WEST BLOOMFIELD, MI 48322 |
* | $ 10,000,000 | 4 | $ 594,000 |
| Ideal Mortgage Bankers, Ltd 520 BROADHOLLOW ROAD MELVILLE, NY 11747 |
* | $ 10,000,000 | 4 | $ 382,000 |
| Shore Mortgage 770 S. ADAMS ROAD #300 BIRMINGHAM, MI 48009 |
* | $ 10,000,000 | 3 | $ 311,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 3 | $ 593,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 3 | $ 411,000 |
| Franklin American Mortgage Co 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 3 | $ 390,000 |
| Dow Credit Union 600 E. LYON ROAD P.O. BOX 1649 MIDLAND, MI 48641 |
* | $ 1,066,680,000 | 3 | $ 374,000 |
| Allen Mortgage, LLC P.O. BOX 1168 CENTENNIAL PARK, AZ 86021 |
* | $ 10,000,000 | 3 | $ 536,000 |
| Rbs Citizens, N.A. ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 128,863,082,000 | 3 | $ 390,000 |
| Capital One Home Loans, LLC 12800 FOSTER STREET OVERLAND PARK, KS 66213 |
* | $ 88,701,411,000 | 3 | $ 299,000 |
| Npb Mortgage LLC 3333 DEPOSIT DRIVE NE GRAND RAPIDS, MI 49546 |
* | $ 145,000,000 | 3 | $ 274,000 |
| Branch Banking and Trust Co 223 W NASH STREET WILSON, NC 27893 |
* | $ 127,698,351,000 | 3 | $ 330,000 |
| Progressive Mortgage Company 125 S. FIFTH AVE. ANN ARBOR, MI 48104 |
* | $ 327,000,000 | 2 | $ 607,000 |
| First State Mortgage Services 502 N HERSHEY ROAD BLOOMINGTON, IL 61704 |
* | $ 327,995,000 | 2 | $ 381,000 |
| Guaranty Bank 8333 DOUGLAS AVENUE DALLAS, TX 75225 |
* | $ 16,674,004,000 | 2 | $ 163,000 |
| Comerica Bank 500 WOODWARD AVE - MC 3352 DETROIT, MI 48226 |
* | $ 62,539,056,000 | 2 | $ 171,000 |
| Wells Fargo Fin'l Michigan 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 36,752,895,000 | 2 | $ 108,000 |
| Paramount Bank 31000 NORTHWESTERN HWY., #200 FARMINGTON HILLS, MI 48334 |
* | $ 266,392,000 | 2 | $ 446,000 |
| Tcf National Bank 2508 LOUISE AVE S (002-01-P) SIOUX FALLS, SD 57106 |
* | $ 16,041,338,000 | 2 | $ 182,000 |
| Capital One NA 11130 INDUSTRIALPLEX BLVD BATON ROUGE, LA 70809 |
* | $ 97,517,902,000 | 2 | $ 6,000 |
| Wildfire Credit Union 6640 BAY RD SAGINAW, MI 48605 |
* | $ 443,804,000 | 2 | $ 183,000 |
| University Bank 2015 WASHTENAW AVE ANN ARBOR, MI 48104 |
* | $ 88,242,000 | 2 | $ 386,000 |
| Dfcu Financial 400 TOWN CENTER DRIVE DEARBORN, MI 48126 |
* | $ 1,868,073,000 | 2 | $ 177,000 |
| Michigan Schools and Governmen 40400 GARFIELD ROAD CLINTON TOWNSHIP, MI 48038 |
* | $ 839,762,000 | 2 | $ 332,000 |
| Lake Michigan Credit Union PO BOX 2848 GRAND RAPIDS, MI 49501 |
* | $ 1,285,200,000 | 2 | $ 255,000 |
| Genisys Credit Union 2100 EXECUTIVE HILLS BLVD AUBURN HILLS, MI 48326 |
* | $ 588,699,000 | 2 | $ 140,000 |
| Ing Bank, FSB 1 SOUTH ORANGE STREET WILMINGTON, DE 19801 |
* | $ 79,977,597,000 | 2 | $ 108,000 |
| Castle Point Mortgage, Inc. 7 ENTIN ROAD, STE. 102 PARSIPPANY, NJ 07054 |
* | $ 16,999,000 | 2 | $ 100,000 |
| Nationwide Mortgage Concepts, 40380 DESERT CREEK LANE RANCHO MIRAGE, CA 92270 |
* | $ 10,000,000 | 1 | $ 228,000 |
| Mountain States Mortgage 1333 E 9400 S SANDY, UT 84093 |
* | $ 10,000,000 | 1 | $ 206,000 |
| Lsi Mortgage Plus 6470 E JOHNS CROSSING STE 400 DULUTH, GA 30097 |
* | $ 1,704,000 | 1 | $ 155,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ 100,000,000 | 1 | $ 108,000 |
| Nationwide Advantage Mortgage 1100 LOCUST ST DES MOINES, IA 50391 |
* | $ 31,000,000 | 1 | $ 63,000 |
| Guardian Mortgage Company, Inc 100 N. CENTRAL EXPRESSWAY SUITE 190 RICHARDSON, TX 75083 |
* | $ 10,000,000 | 1 | $ 81,000 |
| Mortgage Research Center, LLC 2101 CHAPEL PLAZA COURT SUITE 107 COLUMBIA, MO 65203 |
* | $ 880,000,000 | 1 | $ 122,000 |
| Gold Star Mortgage Financial Group, Corporation 2350 GREEN ROAD SUITE 100B ANN ARBOR, MI 48105 |
* | $ 10,000,000 | 1 | $ 273,000 |
| Tranex Financial Inc. 26200 AMERICAN DRIVE SOUTHFIELD, MI 48034 |
* | $ 10,000,000 | 1 | $ 296,000 |
| Provident Funding Associates 1235 NORTH DUTTON AVE STE E SANTA ROSA, CA 95401 |
* | $ 10,000,000 | 1 | $ 73,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ 10,000,000 | 1 | $ 164,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 1 | $ 120,000 |
| Homeplus Finance Corporation 2143 S. SEPULVEDA BLVD LOS ANGELES, CA 90025 |
* | $ 40,000,000 | 1 | $ 11,000 |
| Security Atlantic Wholesale 499 THORNALL ST, SUITE 220 EDISON, NJ 08837 |
* | $ 10,000,000 | 1 | $ 206,000 |
| Capital Mortgage Funding, LLC 17170 WEST 12 MILE ROAD SOUTHFIELD, MI 48076 |
* | $ 10,000,000 | 1 | $ 123,000 |
| Platinum Home Mortgage Corporation 2200 HICKS RD, STE 101 SPRINGFIELD, IL 60008 |
* | $ 10,000,000 | 1 | $ 100,000 |
| Hudson City Savings Bank WEST 80 CENTURY ROAD PARAMUS, NJ 07652 |
* | $ 44,142,119,000 | 1 | $ 113,000 |
| Everbank 8100 NATIONS WAY JACKSONVILLE, FL 32256 |
* | $ 5,518,089,000 | 1 | $ 103,000 |
| American Sterling Bank 535 S STERLING SUGAR CREEK, MO 64054 |
* | $ 272,321,000 | 1 | $ 137,000 |
| Security Credit Union 3801 W BOULEVARD DR BOX 5160 FLINT, MI 48505 |
* | $ 260,620,000 | 1 | $ 53,000 |
| United Federal Credit Union 2807 SOUTH STATE ST ST. JOSEPH, MI 49085 |
* | $ 749,620,000 | 1 | $ 160,000 |
| Nuunion Credit Union 501 S CAPITOL LANSING, MI 48933 |
* | $ 794,379,000 | 1 | $ 93,000 |
| Extra Credit Union 6611 CHICAGO ROAD WARREN, MI 48092 |
* | $ 186,124,000 | 1 | $ 40,000 |
| Tlc Community Credit Union 3030 S ADRIAN HWY ADRIAN, MI 49221 |
* | $ 269,550,000 | 1 | $ 50,000 |
| Astera Credit Union 5615 W SAGINAW HWY LANSING, MI 48917 |
* | $ 142,776,000 | 1 | $ 3,000 |
| Vibe Credit Union 1375 N OAKLAND BLVD NOVI, MI 48377 |
* | $ 129,420,000 | 1 | $ 51,000 |
| Premier Financial Credit Union 38770 GARFIELD RD., SUITE 120 CLINTON TOWNSHIP, MI 48038 |
* | $ 81,833,000 | 1 | $ 39,000 |
| Cornerstone Community Financia 2955 UNIVERSITY DRIVE AUBURN HILLS, MI 48326 |
* | $ 162,603,000 | 1 | $ 157,000 |
| Jolt Credit Union 6180 STATE STREET SAGINAW, MI 48603 |
* | $ 211,377,000 | 1 | $ 114,000 |
| Msu Federal Credit Union 3777 WEST ROAD EAST LANSING, MI 48823 |
* | $ 1,450,443,000 | 1 | $ 115,000 |
| Mortgage Center Lc 26555 EVERGREEN RD SUITE 900 SOUTHFIELD, MI 48076 |
* | $ 30,000,000 | 1 | $ 96,000 |
| Union Financial Services, Inc. 2073 E MAPLE RD TROY, MI 48083 |
* | $ 213,000,000 | 1 | $ 216,000 |
| Zeal Credit Union 17250 NEWBURGH LIVONIA, MI 48152 |
* | $ 290,976,000 | 1 | $ 198,000 |
| First Ohio Banc & Lending Inc 6100 ROCKSIDE WOODS BLVD INDEPENDENCE, OH 44131 |
* | $ 10,000,000 | 1 | $ 146,000 |
| Qr Lending Inc 555 ZOR SHRINE PLACE MADISON, WI 53719 |
* | $ 1,093,327,000 | 1 | $ 138,000 |
| Novastar Mortgage 2114 CENTRAL SUITE 600 KANSAS CITY, MO 64108 |
* | $ 10,000,000 | 1 | $ 189,000 |
| Csmc, Inc 10425 W NORTH AVENUE SUITE 100 WAUWATOSA, WI 53226 |
* | $ 10,000,000 | 1 | $ 145,000 |
| First Tennessee Bank NA 165 MADISON 5TH FLOOR MEMPHIS, TN 38103 |
* | $ 36,725,591,000 | 1 | $ 189,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 124,782,289,000 | 1 | $ 34,000 |
| South Central Bank, National Association 525 W ROOSEVELT RD CHICAGO, IL 60607 |
* | $ 209,465,000 | 1 | $ 24,000 |
| Wells Fargo Bank, NA 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 653,269,000,000 | 1 | $ 130,000 |
| Beach First National Bank 3751 GRISSOM PARKWAY, SUITE 100 MYRTLE BEACH, SC 29577 |
* | $ 594,483,000 | 1 | $ 136,000 |
| Chase Manhattan Bank USA, NA 200 WHITE CLAY CENTER DR NEWARK, DE 19711 |
* | $ 77,748,330,000 | 1 | $ 105,000 |
| Amera Mortgage Corporation 1050 CORPORATE OFFICE DR #200 MILFORD, MI 48381 |
* | $ 1,247,334,000 | 1 | $ 92,000 |
| Eastern Michigan Bank 65 N HOWARD AVE CROSWELL, MI 48422 |
* | $ 223,660,000 | 1 | $ 40,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 175,107,526,000 | 1 | $ 228,000 |
| Arvest Mortgage Company 931 W MONROE LOWELL, AR 72745 |
* | $ 9,711,871,000 | 1 | $ 266,000 |
| M&T Bank 1 M&T PLAZA -15TH FLOOR BUFFALO, NY 14203 |
* | $ 64,072,546,000 | 1 | $ 58,000 |
| Thumb National Mortgage LLC 7254 MICHIGAN AVE PIGEON, MI 48755 |
* | $ 181,354,000 | 1 | $ 80,000 |
| Wachovia Mortgage Corp 301 S COLLEGE ST CHARLOTTE, NC 28202 |
* | $ 2,687,938,000 | 1 | $ 295,000 |
| Gateway Bank, FSB 2336 MERCED STREET SAN LEANDRO, CA 94577 |
* | $ 403,955,000 | 1 | $ 80,000 |
| Home Loan Investment Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 266,672,000 | 1 | $ 40,000 |
| Wachovia Mortgage FSB TONYA YOUNG 100 N MAIN ST MAC D4001-063 WINSTON-SALEM, NC 27101 |
* | $ 56,294,475,000 | 1 | $ 135,000 |
| Midfirst Bank 501 NW GRAND BLVD. OKLAHOMA CITY, OK 73118 |
* | $ 12,970,989,000 | 1 | $ 104,000 |
| Community First Bank 3725 OLD COURT ROAD BALTIMORE, MD 21208 |
* | $ 66,540,000 | 1 | $ 207,000 |
| Liberty Savings Bank, FSB 2251 ROMBACH AVE. WILMINGTON, OH 45177 |
* | $ 1,700,637,000 | 1 | $ 77,000 |
| American Bank 9001 EDMONSTON ROAD, SUITE 100 GREENBELT, MD 20770 |
* | $ 543,934,000 | 1 | $ 220,000 |
| Colonial Savings, F. A. P. O. BOX 2988 FORT WORTH, TX 76113 |
* | $ 949,331,000 | 1 | $ 91,000 |
| Wolverine Bank FSB 5710 EASTMAN AVE MIDLAND, MI 48640 |
* | $ 311,585,000 | 1 | $ 89,000 |
| M&I Bank FSB W57N14280 DOERR WAY CEDARBURG, WI 53012 |
* | $ 1,402,062,000 | 1 | $ 136,000 |
| North American Savings Bank 12498 S 71 HIGHWAY GRANDVIEW, MO 64030 |
* | $ 1,507,032,000 | 1 | $ 135,000 |
| Cf Bancorp Mortgage Company 525 WATER STREET PORT HURON, MI 48060 |
* | $ 1,422,966,000 | 1 | $ 123,000 |
| United Mortgage Company 205 E. CHICAGO BLVD. TECUMSEH, MI 49286 |
* | $ 468,861,000 | 1 | $ 100,000 |
| Citizens State Bank Mortgage S 51066 WASHINGTON ST NEW BALTIMORE, MI 48047 |
* | $ 196,526,000 | 1 | $ 52,000 |
| Signature Bank 1 E HURON AVE BAD AXE, MI 48413 |
* | $ 258,279,000 | 1 | $ 145,000 |
| Mercantile Bank Mtg Co LLC 4613 ALPINE AVE NW COMSTOCK PARK, MI 49321 |
* | $ 698,000,000 | 1 | $ 233,000 |
| Community Central Bank 120 N. MAIN STREET MOUNT CLEMENS, MI 48043 |
* | $ 518,552,000 | 1 | $ 50,000 |
| Mercantile Bank 310 LEONARD STREET NORTH WEST GRAND RAPIDS, MI 49504 |
* | $ 2,118,030,000 | 1 | $ 31,000 |
| The Bank of Holland 150 CENTRAL AVE HOLLAND, MI 49423 |
* | $ 528,808,000 | 1 | $ 131,000 |
| Beneficial Financial I, Inc. 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 11,000,000 | 1 | $ 135,000 |
| Eastern Mich Mortgage Co, LLC 65 N HOWARD AVE CROSWELL, MI 48422 |
* | $ 225,263,000 | 1 | $ 160,000 |
| Warren Bank Mortgage Company 38880 GARFIELD CLINTON TOWNSHIP, MI 48038 |
* | $ 638,691,000 | 1 | $ 89,000 |
| Equifirst Corporation 13000 S TRYON ST, STE F, PMB 317 CHARLOTTE, NC 28278 |
* | $ 343,735,670,000 | 1 | $ 203,000 |
The tables below break down 2008 mortgage applications in Otsego 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 Otsego County, MI in 2008
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 | 902 | $112,316,000 | $124,000 | $500,000 | $62,000 | $1,144,000 |
| Home Purchase | 305 | $31,451,000 | $103,000 | $466,000 | $63,000 | $732,000 |
| Home Improvement | 99 | $3,482,000 | $35,000 | $265,000 | $50,000 | $135,000 |
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 | 1,087 | $122,815,000 | $112,000 | $500,000 | $64,000 | $1,144,000 |
| Not Provided | 108 | $11,599,000 | $107,000 | $340,000 | $74,000 | $501,000 |
| Not applicable | 84 | $9,802,000 | $116,000 | $417,000 | $13,000 | $732,000 |
| Hispanic | 13 | $1,698,000 | $130,000 | $340,000 | $69,000 | $257,000 |
| Asian | 11 | $1,148,000 | $104,000 | $174,000 | $55,000 | $178,000 |
| American Indian or Alaskan Native | 2 | $129,000 | $64,000 | $76,000 | $66,000 | $70,000 |
| Black or African American | 1 | $58,000 | $58,000 | $58,000 | $30,000 | $30,000 |
| 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) | 979 | $109,791,000 | $112,000 | $500,000 | $68,000 | $1,144,000 |
| FHA-insured (Federal Housing Administration) | 266 | $31,458,000 | $118,000 | $275,000 | $42,000 | $242,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 50 | $4,598,000 | $91,000 | $160,000 | $27,000 | $64,000 |
| VA-guaranteed (Veterans Administration) | 11 | $1,402,000 | $127,000 | $162,000 | $36,000 | $103,000 |
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 | 529 | $59,904,000 | $113,000 | $500,000 | $78,000 | $1,144,000 |
| Application Denied By Financial Institution | 326 | $33,439,000 | $102,000 | $417,000 | $54,000 | $336,000 |
| Loan Purchased By The Institution | 218 | $27,598,000 | $126,000 | $466,000 | $27,000 | $732,000 |
| Application Approved But Not Accepted | 109 | $11,768,000 | $107,000 | $340,000 | $68,000 | $413,000 |
| Application Withdrawn By Applicant | 91 | $10,598,000 | $116,000 | $324,000 | $64,000 | $270,000 |
| File Closed For Incompleteness | 33 | $3,942,000 | $119,000 | $382,000 | $61,000 | $299,000 |
| 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 | 57 | $7,083,000 | $124,000 | $402,000 | $74,000 | $332,000 |
| Credit History | 40 | $3,035,000 | $75,000 | $210,000 | $48,000 | $204,000 |
| Debt-To-Income Ratio | 39 | $4,545,000 | $116,000 | $380,000 | $43,000 | $130,000 |
| Credit Application Incomplete | 18 | $2,241,000 | $124,000 | $321,000 | $60,000 | $189,000 |
| Other | 13 | $1,219,000 | $93,000 | $190,000 | $66,000 | $192,000 |
| Unverifiable Information | 8 | $993,000 | $124,000 | $216,000 | $42,000 | $77,000 |
| Employment History | 4 | $248,000 | $62,000 | $85,000 | $33,000 | $42,000 |
| Mortgage Insurance Denied | 2 | $279,000 | $139,000 | $185,000 | $63,000 | $77,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $48,000 | $48,000 | $48,000 | $116,000 | $116,000 |
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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