Schoolcraft County, MI Mortgage Lenders & HMDA Data, 2010
In 2010, lenders reported 215 mortgage applications in Schoolcraft County, MI totaling $25.3 million, down 23% from 2009. The average application was for $117,000, and applicants reported an average income of $91,000. 67% of applications resulted in an originated loan and 13% were denied. The most active lender was Wells Fargo Bank, NA, with 94 applications, followed by Mbank and JPMorgan Chase Bank, NA.
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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 | 215 |
| Total Mortgage Loan Application Amount | $25,283,000 |
| Average Mortgage Loan Application Amount | $117,000 |
| Highest Mortgage Loan Application Amount | $417,000 |
| Average Applicant Income | $91,000 |
| Highest Applicant Income | $650,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Wells Fargo Bank, NA 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 608,778,000,000 | 94 | $ 11,277,000 |
| Mbank 130 S CEDAR ST MANISTIQUE, MI 49854 |
* | $ 515,515,000 | 45 | $ 5,158,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,627,684,000,000 | 8 | $ 1,289,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 6 | $ 619,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,465,221,449,000 | 6 | $ 678,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 112,736,105,000 | 6 | $ 873,000 |
| Fifth Third Mortgage, Mi LLC 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 48,969,000 | 5 | $ 704,000 |
| Citifinancial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 4 | $ 168,000 |
| Fifth Third Bank 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 112,736,105,000 | 4 | $ 381,000 |
| First National Bank of America 241 EAST SAGINAW EAST LANSING, MI 48823 |
* | $ 475,815,000 | 2 | $ 47,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 276,376,130,000 | 2 | $ 166,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 37,922,355,000 | 2 | $ 243,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 55,302,902,000 | 2 | $ 168,000 |
| Lake Michigan Credit Union PO BOX 2848 GRAND RAPIDS, MI 49501 |
* | $ 1,833,363,000 | 2 | $ 350,000 |
| Consumer Loan Services, LLC 811 MONITOR STREET LA CROSSE, WI 54603 |
* | $ 10,000,000 | 2 | $ 267,000 |
| Greenstone Farm Credit Services 3515 WEST RD EAST LANSING, MI 48823 |
* | $ 10,000,000 | 1 | $ 62,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 1 | $ 116,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 1 | $ 151,000 |
| Michigan Mutual, Inc 911 MILITARY STREET PORT HURON, MI 48060 |
* | $ 35,000,000,000 | 1 | $ 190,000 |
| Mortgage Center Lc 26555 EVERGREEN RD SUITE 900 SOUTHFIELD, MI 48076 |
* | $ 30,000,000 | 1 | $ 49,000 |
| First Federal Bank 601 CLINTON STREET DEFIANCE, OH 43512 |
* | $ 2,051,628,000 | 1 | $ 58,000 |
| United Financial Credit Union 4685 STATE ST. SAGINAW, MI 48603 |
* | $ 123,713,000 | 1 | $ 66,000 |
| Team One Credit Union 520 HAYDEN SAGINAW, MI 48607 |
* | $ 299,708,000 | 1 | $ 81,000 |
| Lakes Community Credit Union 350 N. PARK BLVD P.O.BOX 99 LAKE ORION, MI 48362 |
* | $ 69,715,000 | 1 | $ 66,000 |
| Macatawa Bank, N.A. ROSEMONT, IL 60018 |
* | $ 1,826,955,000 | 1 | $ 191,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 260,309,849,000 | 1 | $ 112,000 |
| Horizon Bank, N.A. 515 FRANKLIN ST MICHIGAN CITY, IN 46360 |
* | $ 1,383,594,000 | 1 | $ 75,000 |
| Capwest Mortgage Corporation 14231 METCALF AVE. STE. 200 OVERLAND PARK, KS 66223 |
* | $ 629,176,000 | 1 | $ 148,000 |
| Wintrust Mortgage Corporation 660 MIDWEST RD SUITE 100 OAK BROOK TERRACE, IL 60181 |
* | $ 300,000,000 | 1 | $ 118,000 |
| Comerica Bank 500 WOODWARD AVE - MC 3352 DETROIT, MI 48226 |
* | $ 59,143,523,000 | 1 | $ 134,000 |
| Isabella Bank 139 E. BROADWAY MT PLEASANT, MI 48858 |
* | $ 1,087,522,000 | 1 | $ 142,000 |
| Citizens Bank 328 S SAGINAW ST FLINT, MI 48502 |
* | $ 11,336,105,000 | 1 | $ 128,000 |
| Chemical Bank 333 E MAIN STREET MIDLAND, MI 48640 |
* | $ 4,243,065,000 | 1 | $ 50,000 |
| Thumb National Bank and Trust Company 7254 MICHIGAN AVE., P.O. BOX 560 PIGEON, MI 48755 |
* | $ 214,898,000 | 1 | $ 26,000 |
| Hometown Bank 80 SHEBOYGAN ST FOND DU LAC, WI 54935 |
* | $ 210,144,000 | 1 | $ 74,000 |
| United Bank and Trust 2723 S STATE ST ANN ARBOR, MI 48104 |
* | $ 512,610,000 | 1 | $ 123,000 |
| Metlife Bank, N.A. 334 MADISON AVENUE CONVENT STATION, NJ 07961 |
* | $ 14,106,965,000 | 1 | $ 71,000 |
| Park Bank 330 E KILBOURN AVE. MILWAUKEE, WI 53202 |
* | $ 798,320,000 | 1 | $ 245,000 |
The tables below break down 2010 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 2010
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 | 155 | $19,429,000 | $125,000 | $415,000 | $92,000 | $650,000 |
| Home Purchase | 52 | $5,300,000 | $101,000 | $417,000 | $85,000 | $330,000 |
| Home Improvement | 8 | $554,000 | $69,000 | $188,000 | $107,000 | $297,000 |
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 | 196 | $23,480,000 | $119,000 | $417,000 | $93,000 | $650,000 |
| Not Provided | 8 | $847,000 | $105,000 | $148,000 | $75,000 | $175,000 |
| American Indian or Alaskan Native | 6 | $462,000 | $77,000 | $136,000 | $49,000 | $78,000 |
| Not applicable | 3 | $239,000 | $79,000 | $116,000 | $0 | $0 |
| Black or African American | 1 | $205,000 | $205,000 | $205,000 | $154,000 | $154,000 |
| Hispanic | 1 | $50,000 | $50,000 | $50,000 | $297,000 | $297,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 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) | 174 | $20,665,000 | $118,000 | $417,000 | $102,000 | $650,000 |
| FHA-insured (Federal Housing Administration) | 30 | $3,271,000 | $109,000 | $230,000 | $43,000 | $175,000 |
| VA-guaranteed (Veterans Administration) | 7 | $852,000 | $121,000 | $211,000 | $39,000 | $68,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 4 | $495,000 | $123,000 | $210,000 | $55,000 | $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 | 143 | $16,220,000 | $113,000 | $410,000 | $86,000 | $650,000 |
| Application Denied By Financial Institution | 27 | $2,544,000 | $94,000 | $237,000 | $74,000 | $397,000 |
| Loan Purchased By The Institution | 18 | $2,373,000 | $131,000 | $247,000 | $125,000 | $650,000 |
| Application Approved But Not Accepted | 16 | $2,753,000 | $172,000 | $417,000 | $137,000 | $373,000 |
| Application Withdrawn By Applicant | 9 | $1,159,000 | $128,000 | $415,000 | $85,000 | $325,000 |
| File Closed For Incompleteness | 2 | $234,000 | $117,000 | $210,000 | $57,000 | $76,000 |
| 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 | 7 | $685,000 | $97,000 | $169,000 | $67,000 | $110,000 |
| Debt-To-Income Ratio | 3 | $449,000 | $149,000 | $192,000 | $35,000 | $49,000 |
| Credit Application Incomplete | 2 | $355,000 | $177,000 | $237,000 | $173,000 | $195,000 |
| Credit History | 2 | $134,000 | $67,000 | $132,000 | $57,000 | $65,000 |
| Other | 2 | $226,000 | $113,000 | $147,000 | $211,000 | $397,000 |
| Employment History | 1 | $59,000 | $59,000 | $59,000 | $78,000 | $78,000 |
| 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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