Ingham County, MI Mortgage Lenders & HMDA Data, 2013
In 2013, lenders reported 14,162 mortgage applications in Ingham County, MI totaling $1.8 billion, down 3% from 2012. The average application was for $127,000, and applicants reported an average income of $75,000. 54% of applications resulted in an originated loan and 14% were denied. The most active lender was Msu Federal Credit Union, with 1,526 applications, followed by Fifth Third Mortgage, Mi LLC and Wells Fargo 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 | 14,162 |
| Total Mortgage Loan Application Amount | $1,799,006,000 |
| Average Mortgage Loan Application Amount | $127,000 |
| Highest Mortgage Loan Application Amount | $65,535,000 |
| Average Applicant Income | $75,000 |
| Highest Applicant Income | $8,576,000 |
Top Mortgage Lenders in Ingham County, MI (2013)
Ranked by the number of mortgage applications each lender reported in Ingham County, MI in 2013.
| # | Mortgage Lender | Mortgage Applications | Total Dollar Amount | Average Loan Amount | Average Applicant Income |
|---|---|---|---|---|---|
| 1 | Msu Federal Credit Union East Lansing, MI |
1,526 | $145,964,000 | $95,000 | $114,000 |
| 2 | Fifth Third Mortgage, Mi LLC Cincinnati, OH |
988 | $119,947,000 | $121,000 | $80,000 |
| 3 | Wells Fargo Bank NA Minneapolis, MN |
928 | $108,740,000 | $117,000 | $62,000 |
| 4 | Summit Community Bank East Lansing, MI |
805 | $120,826,000 | $150,000 | $96,000 |
| 5 | JPMorgan Chase Bank, NA Columbus, OH |
793 | $159,836,000 | $201,000 | $76,000 |
| 6 | Fifth Third Mortgage Company Cincinnati, OH |
769 | $93,133,000 | $121,000 | $5,000 |
| 7 | Citibank, NA New York, NY |
572 | $60,516,000 | $105,000 | $76,000 |
| 8 | Citimortgage, Inc. Long Island City, NY |
421 | $43,437,000 | $103,000 | $75,000 |
| 9 | Bank of America NA Westlake Village, CA |
388 | $42,561,000 | $109,000 | $64,000 |
| 10 | Case Credit Union Lansing, MI |
382 | $4,883,000 | $12,000 | $50,000 |
The tables below break down 2013 mortgage applications in Ingham 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 Ingham County, MI in 2013
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 | 8,578 | $1,228,378,000 | $143,000 | $65,535,000 | $81,000 | $8,576,000 |
| Home Purchase | 4,291 | $541,259,000 | $126,000 | $7,200,000 | $67,000 | $2,474,000 |
| Home Improvement | 1,293 | $29,369,000 | $22,000 | $2,975,000 | $66,000 | $508,000 |
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 | 9,887 | $1,141,511,000 | $115,000 | $1,750,000 | $80,000 | $8,576,000 |
| Not Provided | 1,805 | $182,777,000 | $101,000 | $860,000 | $78,000 | $1,680,000 |
| Not applicable | 995 | $304,324,000 | $305,000 | $65,535,000 | $36,000 | $636,000 |
| Black or African American | 626 | $64,410,000 | $102,000 | $419,000 | $64,000 | $1,635,000 |
| Hispanic | 394 | $36,546,000 | $92,000 | $640,000 | $60,000 | $314,000 |
| Asian | 377 | $62,224,000 | $165,000 | $958,000 | $99,000 | $840,000 |
| American Indian or Alaskan Native | 59 | $5,156,000 | $87,000 | $252,000 | $59,000 | $246,000 |
| Native Hawaiian or Other Pacific Islander | 19 | $2,058,000 | $108,000 | $303,000 | $101,000 | $536,000 |
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) | 10,927 | $1,336,647,000 | $122,000 | $55,000,000 | $86,000 | $8,576,000 |
| FHA-insured (Federal Housing Administration) | 2,510 | $368,154,000 | $146,000 | $65,535,000 | $37,000 | $675,000 |
| VA-guaranteed (Veterans Administration) | 414 | $55,132,000 | $133,000 | $419,000 | $47,000 | $636,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 311 | $39,073,000 | $125,000 | $1,302,000 | $49,000 | $571,000 |
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 | 7,609 | $901,530,000 | $118,000 | $7,523,000 | $82,000 | $8,576,000 |
| Loan Purchased By The Institution | 2,460 | $427,718,000 | $173,000 | $65,535,000 | $37,000 | $636,000 |
| Application Denied By Financial Institution | 2,031 | $205,198,000 | $101,000 | $1,750,000 | $66,000 | $1,200,000 |
| Application Withdrawn By Applicant | 1,046 | $145,020,000 | $138,000 | $7,952,000 | $101,000 | $1,762,000 |
| Application Approved But Not Accepted | 558 | $61,839,000 | $110,000 | $958,000 | $80,000 | $1,375,000 |
| File Closed For Incompleteness | 457 | $57,482,000 | $125,000 | $1,000,000 | $152,000 | $8,531,000 |
| Preapproval Approved but not Accepted | 1 | $219,000 | $219,000 | $219,000 | $120,000 | $120,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 508 | $27,892,000 | $54,000 | $471,000 | $54,000 | $557,000 |
| Collateral | 376 | $49,707,000 | $132,000 | $1,750,000 | $91,000 | $664,000 |
| Credit Application Incomplete | 247 | $28,397,000 | $114,000 | $395,000 | $74,000 | $294,000 |
| Debt-To-Income Ratio | 213 | $20,584,000 | $96,000 | $417,000 | $43,000 | $246,000 |
| Other | 146 | $15,917,000 | $109,000 | $625,000 | $74,000 | $409,000 |
| Unverifiable Information | 56 | $6,030,000 | $107,000 | $386,000 | $61,000 | $260,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 42 | $4,395,000 | $104,000 | $408,000 | $70,000 | $566,000 |
| Employment History | 21 | $2,417,000 | $115,000 | $350,000 | $34,000 | $104,000 |
| 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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