Schoolcraft County, MI Mortgage Lenders & HMDA Data, 2009
In 2009, lenders reported 278 mortgage applications in Schoolcraft County, MI totaling $30.5 million, up 13% from 2008. The average application was for $109,000, and applicants reported an average income of $69,000. 63% of applications resulted in an originated loan and 18% were denied. The most active lender was Wells Fargo Bank, NA, with 161 applications, followed by Mbank and First National Bank of America.
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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 | 278 |
| Total Mortgage Loan Application Amount | $30,521,000 |
| Average Mortgage Loan Application Amount | $109,000 |
| Highest Mortgage Loan Application Amount | $546,000 |
| Average Applicant Income | $69,000 |
| Highest Applicant Income | $1,442,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 538,958,000,000 | 161 | $ 16,824,000 |
| Mbank 130 S CEDAR ST MANISTIQUE, MI 49854 |
* | $ 452,006,000 | 36 | $ 4,099,000 |
| First National Bank of America 241 EAST SAGINAW EAST LANSING, MI 48823 |
* | $ 409,625,000 | 7 | $ 310,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 32,584,979,000 | 6 | $ 1,063,000 |
| Citifinancial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 5 | $ 136,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,471,631,047,000 | 5 | $ 808,000 |
| Citibank, N.A. 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,227,040,000,000 | 4 | $ 176,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 4 | $ 715,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 4 | $ 805,000 |
| Countrywide Bank FSB 30930 RUSSELL RANCH ROAD MS CA6-916-02-0 WESTLAKE VILLAGE, CA 91362 |
* | $ 117,978,966,000 | 3 | $ 276,000 |
| Citizens Bank 328 S SAGINAW ST FLINT, MI 48502 |
* | $ 12,266,600,000 | 3 | $ 345,000 |
| Independent Mortgage Co 230 W MAIN ST IONIA, MI 48846 |
* | $ 2,953,214,000 | 2 | $ 206,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,746,242,000,000 | 2 | $ 275,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 2 | $ 185,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 32,882,574,000 | 2 | $ 282,000 |
| Team One Credit Union 520 HAYDEN SAGINAW, MI 48607 |
* | $ 278,016,000 | 2 | $ 19,000 |
| Lake Michigan Credit Union PO BOX 2848 GRAND RAPIDS, MI 49501 |
* | $ 1,488,726,000 | 2 | $ 280,000 |
| Primary Residential Mortgage 4750 W WILEY POST WAY SUITE 200 SALT LAKE CITY, UT 84116 |
* | $ 10,000,000 | 2 | $ 522,000 |
| First Ohio Banc & Lending Inc 6100 ROCKSIDE WOODS BLVD INDEPENDENCE, OH 44131 |
* | $ 10,000,000 | 1 | $ 107,000 |
| Qr Lending Inc 555 ZOR SHRINE PLACE MADISON, WI 53719 |
* | $ 1,093,327,000 | 1 | $ 122,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 1 | $ 337,000 |
| Greenstone Farm Credit Services 3515 WEST RD EAST LANSING, MI 48823 |
* | $ 10,000,000 | 1 | $ 138,000 |
| Arbor Mortgage Corporation 2311 EAST BELTLINE AVE SE 200 GRAND RAPIDS, MI 49546 |
* | $ 15,555,000 | 1 | $ 94,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 14,157,838,000 | 1 | $ 107,000 |
| Everbank 8100 NATIONS WAY JACKSONVILLE, FL 32256 |
* | $ 7,047,356,000 | 1 | $ 150,000 |
| United Mortgage Company 205 E. CHICAGO BLVD. TECUMSEH, MI 49286 |
* | $ 468,861,000 | 1 | $ 210,000 |
| Firstbank - Alma Mortgage Co 311 WOODWORTH AVE. ALMA, MI 48801 |
* | $ 260,365,000 | 1 | $ 170,000 |
| First Federal Bank 601 CLINTON STREET DEFIANCE, OH 43512 |
* | $ 1,949,553,000 | 1 | $ 77,000 |
| Onewest Bank, FSB 888 EAST WALNUT ST PASADENA, CA 91101 |
* | $ 36,000,000,000 | 1 | $ 49,000 |
| Everhome Mortgage Company 8100 NATIONS WAY JACKSONVILLE, FL 32256 |
* | $ 3,027,261,000 | 1 | $ 150,000 |
| Nfcu 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 36,351,625,000 | 1 | $ 92,000 |
| Msu Federal Credit Union 3777 WEST ROAD EAST LANSING, MI 48823 |
* | $ 1,569,230,000 | 1 | $ 28,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 1 | $ 52,000 |
| Isabella Bank 139 E. BROADWAY MT PLEASANT, MI 48858 |
* | $ 1,083,993,000 | 1 | $ 105,000 |
| Rbs Citizens, N.A. ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 129,725,957,000 | 1 | $ 35,000 |
| First Nb of Grant Park 119 N. MAIN ST. GRANT PARK, IL 60940 |
* | $ 121,260,000 | 1 | $ 275,000 |
| Amera Mortgage Corporation 1050 CORPORATE OFFICE DR #200 MILFORD, MI 48381 |
* | $ 1,300,000,000 | 1 | $ 52,000 |
| Fifth Third Mortgage, Mi LLC 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 48,969,000 | 1 | $ 27,000 |
| New York Community Bank 1 JERICHO PLAZA JERICHO, NY 11753 |
* | $ 30,307,736,000 | 1 | $ 88,000 |
| American Internet Mortgage, Inc. 4121 CAMINO DEL RIO SOUTH SAN DIEGO, CA 92108 |
* | $ 10,000,000 | 1 | $ 65,000 |
| Mountain States Mortgage 1333 E 9400 S SANDY, UT 84093 |
* | $ 10,000,000 | 1 | $ 190,000 |
| Shore Mortgage 770 S. ADAMS ROAD #300 BIRMINGHAM, MI 48009 |
* | $ 10,000,000 | 1 | $ 117,000 |
The tables below break down 2009 mortgage applications in Schoolcraft 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 Schoolcraft County, MI in 2009
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 | 211 | $25,210,000 | $119,000 | $546,000 | $70,000 | $1,442,000 |
| Home Purchase | 47 | $4,591,000 | $97,000 | $263,000 | $63,000 | $386,000 |
| Home Improvement | 20 | $720,000 | $36,000 | $130,000 | $72,000 | $377,000 |
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 | 252 | $27,564,000 | $109,000 | $546,000 | $72,000 | $1,442,000 |
| Not Provided | 11 | $1,570,000 | $142,000 | $337,000 | $43,000 | $117,000 |
| Not applicable | 8 | $909,000 | $113,000 | $277,000 | $13,000 | $56,000 |
| American Indian or Alaskan Native | 4 | $275,000 | $68,000 | $129,000 | $35,000 | $80,000 |
| Asian | 2 | $109,000 | $54,000 | $60,000 | $134,000 | $134,000 |
| Hispanic | 1 | $94,000 | $94,000 | $94,000 | $50,000 | $50,000 |
| 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) | 202 | $21,249,000 | $105,000 | $546,000 | $81,000 | $1,442,000 |
| FHA-insured (Federal Housing Administration) | 51 | $6,730,000 | $131,000 | $270,000 | $34,000 | $175,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 17 | $1,317,000 | $77,000 | $161,000 | $41,000 | $65,000 |
| VA-guaranteed (Veterans Administration) | 8 | $1,225,000 | $153,000 | $263,000 | $38,000 | $83,000 |
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 | 175 | $20,517,000 | $117,000 | $546,000 | $75,000 | $1,442,000 |
| Application Denied By Financial Institution | 50 | $4,111,000 | $82,000 | $400,000 | $52,000 | $180,000 |
| Application Withdrawn By Applicant | 21 | $2,542,000 | $121,000 | $275,000 | $74,000 | $269,000 |
| Application Approved But Not Accepted | 13 | $1,529,000 | $117,000 | $245,000 | $84,000 | $358,000 |
| Loan Purchased By The Institution | 13 | $1,477,000 | $113,000 | $277,000 | $40,000 | $189,000 |
| File Closed For Incompleteness | 6 | $345,000 | $57,000 | $150,000 | $34,000 | $61,000 |
| 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 | 12 | $1,235,000 | $102,000 | $337,000 | $82,000 | $180,000 |
| Credit History | 10 | $317,000 | $31,000 | $91,000 | $40,000 | $55,000 |
| Debt-To-Income Ratio | 9 | $1,123,000 | $124,000 | $263,000 | $40,000 | $83,000 |
| Other | 4 | $191,000 | $47,000 | $100,000 | $49,000 | $109,000 |
| Credit Application Incomplete | 1 | $212,000 | $212,000 | $212,000 | $100,000 | $100,000 |
| Employment History | 1 | $61,000 | $61,000 | $61,000 | $37,000 | $37,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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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