Schoolcraft County, MI Mortgage Lenders & HMDA Data, 2024
In 2024, lenders reported 160 mortgage applications in Schoolcraft County, MI totaling $23.5 million, up 40% from 2023. The average application was for $147,000, and applicants reported an average income of $88,000. 56% of applications resulted in an originated loan and 16% were denied. The most active lender was Nicolet National Bank, with 36 applications, followed by Mortgage Research Center and Freedom Mortgage Corporation.
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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 | 160 |
| Total Mortgage Loan Application Amount | $23,530,000 |
| Average Mortgage Loan Application Amount | $147,000 |
| Highest Mortgage Loan Application Amount | $1,045,000 |
| Average Applicant Income | $88,000 |
| Highest Applicant Income | $505,000 |
* 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 |
|---|---|---|---|---|
| Nicolet National Bank 111 N WASHINGTON ST GREEN BAY, WI 54301 |
* | $ n/a | 36 | $ 5,230,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 9 | $ 1,335,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 7 | $ 1,215,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ n/a | 6 | $ 1,230,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 6 | $ 1,210,000 |
| Greenstone Farm Credit Services 3515 WEST RD EAST LANSING, MI 48823 |
* | $ n/a | 5 | $ 1,205,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ n/a | 5 | $ 625,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 5 | $ 485,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 4 | $ 500,000 |
| Incrediblebank 327 N 17TH AVE WAUSAU, WI 54401 |
* | $ n/a | 3 | $ 565,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ n/a | 3 | $ 265,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ n/a | 2 | $ 350,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ n/a | 2 | $ 80,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 2 | $ 120,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 2 | $ 120,000 |
| Fifth Third Bank, National Association 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ n/a | 2 | $ 360,000 |
| American Pacific Mortgage Corporation 3000 LAVA RIDGE COURT, SUITE 200 ROSEVILLE, CA 95661 |
* | $ n/a | 2 | $ 160,000 |
| Honor Credit Union EDGEWOOD RD BERRIEN SPRINGS, MI 49103 |
* | $ n/a | 2 | $ 130,000 |
| Success Mortgage Partners, Inc 1200 S. SHELDON RD. PLYMOUTH, MI 48170 |
* | $ n/a | 1 | $ 225,000 |
| Network Capital Funding Corporation 7700 IRVINE CENTER DRIVE #300 IRVINE, CA 92618 |
* | $ n/a | 1 | $ 105,000 |
| Independent Bank 4200 EAST BELTLINE GRAND RAPIDS, MI 49525 |
* | $ n/a | 1 | $ 125,000 |
| Covantage Credit Union 723 6TH AVE, PO BOX 107 ANTIGO, WI 54409 |
* | $ n/a | 1 | $ 45,000 |
| Michigan United Credit Union 576 E LINCOLN ST BIRMINGHAM, MI 48009 |
* | $ n/a | 1 | $ 35,000 |
| Lake Huron Credit Union 1540 TITTABAWASSEE RD SAGINAW, MI 48603 |
* | $ n/a | 1 | $ 175,000 |
| Sturgis Bank & Trust 113-125 E CHICAGO RD STURGIS, MI 49091 |
* | $ n/a | 1 | $ 35,000 |
| First Colony Mortgage Corporat 500 EAST PARK AVENUE SUITE 900 OREM, UT 84097 |
* | $ n/a | 1 | $ 125,000 |
| The State Bank 175 N LEROY ST FENTON, MI 48430 |
* | $ n/a | 1 | $ 145,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ n/a | 1 | $ 105,000 |
| Veridian Credit Union 1827 ANSBOROUGH AVE WATERLOO, IA 50701 |
* | $ n/a | 1 | $ 15,000 |
| Waterstone Mortgage Corporation 17950 W CORPORATE DR STE 100 BROOKFIELD, WI 53045 |
* | $ n/a | 1 | $ 155,000 |
| Lake Michigan Credit Union PO BOX 2848 GRAND RAPIDS, MI 49501 |
* | $ n/a | 1 | $ 165,000 |
| Genisys Credit Union 2100 EXECUTIVE HILLS BLVD AUBURN HILLS, MI 48326 |
* | $ n/a | 1 | $ 25,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ n/a | 1 | $ 145,000 |
| Range Bank 100 N FRONT ST MARQUETTE, MI 49855 |
* | $ n/a | 1 | $ 145,000 |
| Mercantile Bank 310 LEONARD STREET NORTH WEST GRAND RAPIDS, MI 49504 |
* | $ n/a | 1 | $ 165,000 |
| First Federal Bank 4705 US HWY 90 W LAKE CITY, FL 32055 |
* | $ n/a | 1 | $ 315,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ n/a | 1 | $ 465,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ n/a | 1 | $ 205,000 |
| Hall Financial 888 W BIG BEAVER RD, SUITE 800 TROY, MI 48083 |
* | $ n/a | 1 | $ 55,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ n/a | 1 | $ 205,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ n/a | 1 | $ 95,000 |
| University of Michigan Credit Union 340 E. HURON ANN ARBOR, MI 48104 |
* | $ n/a | 1 | $ 365,000 |
| T2 Financial LLC 480 OLDE WORTHINGTON RD SUITE 300 WESTERVILLE, OH 43082 |
* | $ n/a | 1 | $ 95,000 |
| Superior National Bank 235 QUINCY ST HANCOCK, MI 49930 |
* | $ n/a | 1 | $ 325,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ n/a | 1 | $ 205,000 |
| First State Bank 24300 LITTLE MACK ST CLAIR SHORES, MI 48080 |
* | $ n/a | 1 | $ 205,000 |
| Ross Mortgage Corporation 2075 W. BIG BEAVER, SUITE 700 TROY, MI 48084 |
* | $ n/a | 1 | $ 205,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ n/a | 1 | $ 225,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ n/a | 1 | $ 35,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 1 | $ 95,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ n/a | 1 | $ 85,000 |
| Sofi Bank, National Association FRISCO, TX 75034 |
* | $ n/a | 1 | $ 315,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ n/a | 1 | $ 165,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ n/a | 1 | $ 135,000 |
The tables below break down 2024 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 2024
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 | 68 | $12,930,000 | $190,000 | $1,045,000 | $105,000 | $505,000 |
| Cash-out Refinancing | 34 | $4,570,000 | $134,000 | $315,000 | $70,000 | $195,000 |
| Home Improvement | 22 | $1,720,000 | $78,000 | $255,000 | $94,000 | $240,000 |
| Refinancing | 20 | $2,890,000 | $144,000 | $335,000 | $78,000 | $111,000 |
| Other Purpose | 15 | $1,385,000 | $92,000 | $205,000 | $53,000 | $135,000 |
| Not Applicable | 1 | $35,000 | $35,000 | $35,000 | $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 | 116 | $17,090,000 | $147,000 | $1,045,000 | $87,000 | $505,000 |
| Not Provided | 20 | $3,350,000 | $167,000 | $365,000 | $101,000 | $297,000 |
| Not applicable | 11 | $1,805,000 | $164,000 | $315,000 | $0 | $0 |
| American Indian or Alaskan Native | 7 | $815,000 | $116,000 | $255,000 | $98,000 | $240,000 |
| Hispanic | 4 | $260,000 | $65,000 | $105,000 | $43,000 | $87,000 |
| Asian | 1 | $65,000 | $65,000 | $65,000 | $56,000 | $56,000 |
| Black or African American | 1 | $145,000 | $145,000 | $145,000 | $60,000 | $60,000 |
| 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) | 104 | $14,500,000 | $139,000 | $1,045,000 | $98,000 | $505,000 |
| VA-guaranteed (Veterans Administration) | 26 | $5,030,000 | $193,000 | $335,000 | $71,000 | $115,000 |
| FHA-insured (Federal Housing Administration) | 25 | $3,315,000 | $132,000 | $465,000 | $56,000 | $150,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 5 | $685,000 | $137,000 | $245,000 | $71,000 | $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 | 89 | $14,185,000 | $159,000 | $1,045,000 | $97,000 | $505,000 |
| Application Denied By Financial Institution | 26 | $2,780,000 | $106,000 | $465,000 | $78,000 | $240,000 |
| Application Withdrawn By Applicant | 22 | $3,000,000 | $136,000 | $245,000 | $73,000 | $214,000 |
| Loan Purchased By The Institution | 11 | $1,805,000 | $164,000 | $315,000 | $0 | $0 |
| File Closed For Incompleteness | 9 | $1,475,000 | $163,000 | $335,000 | $73,000 | $137,000 |
| Application Approved But Not Accepted | 3 | $285,000 | $95,000 | $205,000 | $42,000 | $49,000 |
| 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 | 132 | $20,570,000 | $155,000 | $1,045,000 | $90,000 | $505,000 |
| Debt-To-Income Ratio | 11 | $1,285,000 | $116,000 | $465,000 | $72,000 | $160,000 |
| Credit History | 10 | $1,050,000 | $105,000 | $255,000 | $84,000 | $240,000 |
| Collateral | 5 | $515,000 | $103,000 | $155,000 | $85,000 | $195,000 |
| Credit Application Incomplete | 1 | $75,000 | $75,000 | $75,000 | $50,000 | $50,000 |
| Other | 1 | $35,000 | $35,000 | $35,000 | $73,000 | $73,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 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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