Schoolcraft County, MI Mortgage Lenders & HMDA Data, 2021
In 2021, lenders reported 314 mortgage applications in Schoolcraft County, MI totaling $42.5 million, up 11% from 2020. The average application was for $135,000, and applicants reported an average income of $94,000. 61% of applications resulted in an originated loan and 15% were denied. The most active lender was Mbank, with 68 applications, followed by Wells Fargo Bank NA and Huntington National Bank.
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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 | 314 |
| Total Mortgage Loan Application Amount | $42,490,000 |
| Average Mortgage Loan Application Amount | $135,000 |
| Highest Mortgage Loan Application Amount | $755,000 |
| Average Applicant Income | $94,000 |
| Highest Applicant Income | $1,319,000 |
* 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 |
|---|---|---|---|---|
| Mbank 130 S CEDAR ST MANISTIQUE, MI 49854 |
* | $ 1,316,588,000 | 68 | $ 7,600,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,747,398,000,000 | 59 | $ 7,685,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 104,052,030,000 | 10 | $ 2,340,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 9 | $ 745,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 9 | $ 2,105,000 |
| Nicolet National Bank 111 N WASHINGTON ST GREEN BAY, WI 54301 |
* | $ 3,570,443,000 | 8 | $ 1,210,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 8 | $ 1,460,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 16,855,693,000 | 5 | $ 385,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 5 | $ 825,000 |
| Lake Michigan Credit Union PO BOX 2848 GRAND RAPIDS, MI 49501 |
* | $ 6,863,398,000 | 4 | $ 790,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 98,729,134,000 | 4 | $ 410,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,140,778,000,000 | 4 | $ 660,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 4 | $ 610,000 |
| Greenstone Farm Credit Services 3515 WEST RD EAST LANSING, MI 48823 |
* | $ -1,000 | 4 | $ 380,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 3 | $ 635,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 3 | $ 385,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 370,002,264,000 | 3 | $ 465,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 90,565,764,000 | 3 | $ 635,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 3 | $ 295,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 2 | $ 140,000 |
| Ruoff Mortgage Company 1700 MAGNAVOX WAY SUITE 220 FORT WAYNE, IN 46804 |
* | $ -1,000 | 2 | $ 270,000 |
| Honor Credit Union EDGEWOOD RD BERRIEN SPRINGS, MI 49103 |
* | $ 1,009,578,000 | 2 | $ 80,000 |
| BMO Harris Bank NA 111 W. MONROE CHICAGO, IL 60606 |
* | $ 137,588,093,000 | 2 | $ 280,000 |
| Incrediblebank 327 N 17TH AVE WAUSAU, WI 54401 |
* | $ 1,399,926,000 | 2 | $ 650,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 2 | $ 390,000 |
| Mortgage 1 Incorporated 43456 MOUND ROAD STERLING HEIGHTS, MI 48314 |
* | $ -1,000 | 2 | $ 240,000 |
| Dart Bank 368 S. PARK ST. MASON, MI 48854 |
* | $ 460,693,000 | 2 | $ 370,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 2 | $ 270,000 |
| Elga Credit Union 2303 S. CENTER ROAD GRAND BLANC, MI 48439 |
* | $ 794,126,000 | 2 | $ 110,000 |
| Community Financial 500 S HARVEY ST PLYMOUTH, MI 48170 |
* | $ 1,013,236,000 | 2 | $ 200,000 |
| Vandyk Mortgage Corporation 2449 CAMELOT CT SE GRAND RAPIDS, MI 49546 |
* | $ -1,000 | 2 | $ 190,000 |
| Security Credit Union 5255 SECURITY PARK BLVD HOLLY, MI 48442 |
* | $ 446,049,000 | 2 | $ 110,000 |
| Fifth Third Bank, National Association 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 140,077,697,000 | 2 | $ 190,000 |
| Isabella Bank 139 E. BROADWAY MT PLEASANT, MI 48858 |
* | $ 1,763,432,000 | 1 | $ 225,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 121,995,997,000 | 1 | $ 215,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ -1,000 | 1 | $ 405,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ -1,000 | 1 | $ 145,000 |
| Range Bank 100 N FRONT ST MARQUETTE, MI 49855 |
* | $ -1,000 | 1 | $ 105,000 |
| The Farmers & Merchants State Bank 307 N DEFIANCE ST ARCHBOLD, OH 43502 |
* | $ 1,582,933,000 | 1 | $ 85,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 1 | $ 95,000 |
| Wmcu 1319 FRONT AVE NW GRAND RAPIDS, MI 49504 |
* | $ 165,982,000 | 1 | $ 55,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 1 | $ 185,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 1 | $ 105,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ 604,528,000 | 1 | $ 305,000 |
| Oak Mortgage, LLC 113-125 E CHICAGO RD STURGIS, MI 49091 |
* | $ -1,000 | 1 | $ 105,000 |
| United Federal Credit Union 2807 SOUTH STATE ST ST. JOSEPH, MI 49085 |
* | $ 2,877,075,000 | 1 | $ 65,000 |
| Mycumortgage 3560 PENTAGON BLVD. SUITE 301 BEAVERCREEK, OH 45431 |
* | $ -1,000 | 1 | $ 95,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 24,774,361,000 | 1 | $ 155,000 |
| Clearpath Lending 15615 ALTON PARKWAY SUITE 300 IRVINE, CA 92618 |
* | $ -1,000 | 1 | $ 175,000 |
| Finance of America Mortgage LLC 300 WELSH ROAD BUILDING 5 WILMINGTON, DE 19044 |
* | $ -1,000 | 1 | $ 245,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ -1,000 | 1 | $ 105,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 1 | $ 305,000 |
| Fidelity Bank 100 E ENGLISH WICHITA, KS 67202 |
* | $ 2,411,656,000 | 1 | $ 175,000 |
| Nations Direct Mortgage, LLC 2475 VILLAGE VIEW DRIVE SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 1 | $ 115,000 |
| X - Financial Builders FCU - Deconverted 2828 S. LAFOUNTAIN ST KOKOMO, IN 46904 |
* | $ 107,946,000 | 1 | $ 55,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ -1,000 | 1 | $ 225,000 |
| Hometown National Bank 260 BUCKLIN STREET LA SALLE, IL 61301 |
* | $ 223,184,000 | 1 | $ 115,000 |
| Covantage Credit Union 723 6TH AVE, PO BOX 107 ANTIGO, WI 54409 |
* | $ 1,905,407,000 | 1 | $ 55,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 2,445,435,000 | 1 | $ 135,000 |
| Pcm Credit Union 601 WILLARD DRIVE GREEN BAY, WI 54304 |
* | $ 269,256,000 | 1 | $ 115,000 |
| North American Savings Bank 12498 S 71 HIGHWAY GRANDVIEW, MO 64030 |
* | $ 2,503,779,000 | 1 | $ 85,000 |
| Gold Star Mortgage Financial Group, Corporation 2350 GREEN ROAD SUITE 100B ANN ARBOR, MI 48105 |
* | $ -1,000 | 1 | $ 55,000 |
| Macatawa Bank, N.A. ROSEMONT, IL 60018 |
* | $ 2,068,014,000 | 1 | $ 295,000 |
| Member First Mortgage, LLC 616 44TH STREET SE GRAND RAPIDS, MI 49548 |
* | $ -1,000 | 1 | $ 105,000 |
| Mercantile Bank 310 LEONARD STREET NORTH WEST GRAND RAPIDS, MI 49504 |
* | $ 3,614,957,000 | 1 | $ 105,000 |
| Wildfire Credit Union 6640 BAY RD SAGINAW, MI 48605 |
* | $ 844,894,000 | 1 | $ 55,000 |
| Horizon Bank 515 FRANKLIN ST MICHIGAN CITY, IN 46360 |
* | $ 5,236,417,000 | 1 | $ 35,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ -1,000 | 1 | $ 135,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 1 | $ 45,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ -1,000 | 1 | $ 85,000 |
| Independent Bank 4200 EAST BELTLINE GRAND RAPIDS, MI 49525 |
* | $ 3,563,694,000 | 1 | $ 75,000 |
The tables below break down 2021 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 2021
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 | 137 | $19,165,000 | $139,000 | $525,000 | $85,000 | $539,000 |
| Refinancing | 92 | $12,680,000 | $137,000 | $755,000 | $127,000 | $1,319,000 |
| Cash-out Refinancing | 62 | $8,820,000 | $142,000 | $405,000 | $77,000 | $262,000 |
| Other Purpose | 13 | $1,065,000 | $81,000 | $165,000 | $75,000 | $220,000 |
| Home Improvement | 8 | $680,000 | $85,000 | $225,000 | $124,000 | $296,000 |
| Not Applicable | 2 | $80,000 | $40,000 | $55,000 | $0 | $0 |
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 | 256 | $34,840,000 | $136,000 | $525,000 | $92,000 | $1,319,000 |
| Not Provided | 29 | $4,205,000 | $145,000 | $755,000 | $120,000 | $530,000 |
| American Indian or Alaskan Native | 17 | $2,025,000 | $119,000 | $295,000 | $79,000 | $220,000 |
| Not applicable | 6 | $560,000 | $93,000 | $145,000 | $0 | $0 |
| Black or African American | 3 | $425,000 | $141,000 | $225,000 | $249,000 | $249,000 |
| Hispanic | 3 | $435,000 | $145,000 | $205,000 | $89,000 | $142,000 |
| 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) | 246 | $34,280,000 | $139,000 | $755,000 | $102,000 | $1,319,000 |
| VA-guaranteed (Veterans Administration) | 40 | $5,540,000 | $138,000 | $295,000 | $61,000 | $125,000 |
| FHA-insured (Federal Housing Administration) | 22 | $2,230,000 | $101,000 | $225,000 | $48,000 | $118,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 6 | $440,000 | $73,000 | $95,000 | $18,000 | $28,000 |
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 | 191 | $25,865,000 | $135,000 | $515,000 | $99,000 | $1,319,000 |
| Application Withdrawn By Applicant | 49 | $8,215,000 | $167,000 | $755,000 | $104,000 | $530,000 |
| Application Denied By Financial Institution | 47 | $5,175,000 | $110,000 | $405,000 | $63,000 | $235,000 |
| Application Approved But Not Accepted | 15 | $1,635,000 | $109,000 | $195,000 | $96,000 | $539,000 |
| Loan Purchased By The Institution | 7 | $695,000 | $99,000 | $145,000 | $77,000 | $77,000 |
| File Closed For Incompleteness | 5 | $905,000 | $181,000 | $325,000 | $117,000 | $262,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 265 | $37,145,000 | $140,000 | $755,000 | $100,000 | $1,319,000 |
| Debt-To-Income Ratio | 20 | $2,300,000 | $115,000 | $405,000 | $44,000 | $173,000 |
| Collateral | 8 | $890,000 | $111,000 | $235,000 | $87,000 | $235,000 |
| Other | 6 | $750,000 | $125,000 | $235,000 | $74,000 | $130,000 |
| Credit History | 6 | $540,000 | $90,000 | $185,000 | $66,000 | $87,000 |
| Credit Application Incomplete | 5 | $475,000 | $95,000 | $155,000 | $98,000 | $174,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $390,000 | $97,000 | $135,000 | $81,000 | $172,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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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