Access Mortgage & Financial Mortgage Lending & HMDA Data, 2005
In 2005, Access Mortgage & Financial of Grand Rapids, MI reported 1,711 mortgage applications totaling $226.7 million. The average application was for $132,490, and applicants reported an average income of $65,601. 57% of its applications resulted in an originated loan and 18% were denied. Its largest markets were Lansing-East Lansing, MI (210), Grand Rapids-Wyoming, MI (197) and Warren-Farmington Hills-Troy, MI (71) (applications in parentheses).
| Mortgage Company & Address | Access Mortgage & Financial 3040 Charlevoix Dr Se Grand Rapids, MI 49546 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2005 |
| Total Number of Mortgage Applications | 1,711 |
| Total Mortgage Loan Application Amount | $226,692,000 |
| Average Mortgage Loan Application Amount | $132,490 |
| Highest Mortgage Loan Application Amount | $1,509,000 |
| Average Applicant Income | $65,601 |
| Highest Applicant Income | $708,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Access Mortgage & Financial filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Kent, Michigan | 141 | $ 17,409,000 | $ 123,468 | $ 52,000 |
| Ingham, Michigan | 112 | $ 12,162,000 | $ 108,589 | $ 56,000 |
| Eaton, Michigan | 63 | $ 7,201,000 | $ 114,301 | $ 63,000 |
| Ottawa, Michigan | 55 | $ 6,834,000 | $ 124,254 | $ 55,000 |
| Wayne, Michigan | 48 | $ 5,488,000 | $ 114,333 | $ 63,000 |
| Clinton, Michigan | 35 | $ 4,714,000 | $ 134,685 | $ 78,000 |
| Oakland, Michigan | 35 | $ 6,698,000 | $ 191,371 | $ 76,000 |
| Allegan, Michigan | 29 | $ 2,990,000 | $ 103,103 | $ 53,000 |
| Barry, Michigan | 27 | $ 3,830,000 | $ 141,851 | $ 199,000 |
| Calhoun, Michigan | 24 | $ 1,816,000 | $ 75,666 | $ 40,000 |
| Ionia, Michigan | 21 | $ 2,349,000 | $ 111,857 | $ 44,000 |
| Jackson, Michigan | 21 | $ 2,449,000 | $ 116,619 | $ 49,000 |
| Volusia, Florida | 20 | $ 3,125,000 | $ 156,250 | $ 134,000 |
| Muskegon, Michigan | 20 | $ 1,712,000 | $ 85,600 | $ 73,000 |
| Hillsborough, Florida | 19 | $ 2,944,000 | $ 154,947 | $ 68,000 |
| Pinellas, Florida | 19 | $ 3,207,000 | $ 168,789 | $ 82,000 |
| Macomb, Michigan | 19 | $ 1,908,000 | $ 100,421 | $ 51,000 |
| Genesee, Michigan | 18 | $ 1,844,000 | $ 102,444 | $ 49,000 |
| Shiawassee, Michigan | 18 | $ 2,417,000 | $ 134,277 | $ 78,000 |
| Kalamazoo, Michigan | 17 | $ 1,949,000 | $ 114,647 | $ 56,000 |
| Washtenaw, Michigan | 17 | $ 2,576,000 | $ 151,529 | $ 59,000 |
| Broward, Florida | 15 | $ 2,466,000 | $ 164,400 | $ 77,000 |
| Polk, Florida | 15 | $ 2,075,000 | $ 138,333 | $ 64,000 |
| Norfolk, Virginia | 15 | $ 1,435,000 | $ 95,666 | $ 65,000 |
| Duval, Florida | 14 | $ 1,701,000 | $ 121,500 | $ 56,000 |
| Miami-Dade, Florida | 14 | $ 2,730,000 | $ 195,000 | $ 66,000 |
| Saginaw, Michigan | 14 | $ 1,140,000 | $ 81,428 | $ 82,000 |
| Virginia Beach, Virginia | 14 | $ 1,845,000 | $ 131,785 | $ 53,000 |
| Palm Beach, Florida | 13 | $ 2,325,000 | $ 178,846 | $ 78,000 |
| Orange, Florida | 12 | $ 1,539,000 | $ 128,250 | $ 67,000 |
| Cook, Illinois | 12 | $ 1,667,000 | $ 138,916 | $ 60,000 |
| Bay, Michigan | 12 | $ 1,228,000 | $ 102,333 | $ 50,000 |
| Monroe, Michigan | 12 | $ 1,588,000 | $ 132,333 | $ 58,000 |
| Fairfax, Virginia | 12 | $ 2,977,000 | $ 248,083 | $ 103,000 |
| San Bernardino, California | 11 | $ 1,956,000 | $ 177,818 | $ 72,000 |
| Allen, Indiana | 11 | $ 891,000 | $ 81,000 | $ 58,000 |
| Jefferson, Kentucky | 11 | $ 1,175,000 | $ 106,818 | $ 63,000 |
| Berrien, Michigan | 11 | $ 1,227,000 | $ 111,545 | $ 45,000 |
| Marquette, Michigan | 11 | $ 890,000 | $ 80,909 | $ 48,000 |
| Roscommon, Michigan | 11 | $ 1,132,000 | $ 102,909 | $ 65,000 |
| Chesapeake, Virginia | 11 | $ 1,688,000 | $ 153,454 | $ 87,000 |
| Lee, Florida | 10 | $ 1,070,000 | $ 107,000 | $ 142,000 |
| Riverside, California | 9 | $ 1,323,000 | $ 147,000 | $ 63,000 |
| Brevard, Florida | 9 | $ 1,532,000 | $ 170,222 | $ 68,000 |
| Collier, Florida | 9 | $ 3,873,000 | $ 430,333 | $ 179,000 |
| Livingston, Michigan | 9 | $ 1,476,000 | $ 164,000 | $ 115,000 |
| Prince William, Virginia | 9 | $ 2,170,000 | $ 241,111 | $ 87,000 |
| Okaloosa, Florida | 8 | $ 1,078,000 | $ 134,750 | $ 53,000 |
| Pasco, Florida | 8 | $ 1,082,000 | $ 135,250 | $ 56,000 |
| Newaygo, Michigan | 8 | $ 799,000 | $ 99,875 | $ 141,000 |
| Gratiot, Michigan | 7 | $ 601,000 | $ 85,857 | $ 61,000 |
| Chesterfield, Virginia | 7 | $ 1,120,000 | $ 160,000 | $ 59,000 |
| Lake, Florida | 6 | $ 941,000 | $ 156,833 | $ 60,000 |
| Marion, Florida | 6 | $ 650,000 | $ 108,333 | $ 57,000 |
| Sarasota, Florida | 6 | $ 596,000 | $ 99,333 | $ 43,000 |
| Will, Illinois | 6 | $ 1,064,000 | $ 177,333 | $ 107,000 |
| St. Joseph, Indiana | 6 | $ 573,000 | $ 95,500 | $ 40,000 |
| Charlevoix, Michigan | 6 | $ 530,000 | $ 88,333 | $ 41,000 |
| Midland, Michigan | 6 | $ 817,000 | $ 136,166 | $ 55,000 |
| Montcalm, Michigan | 6 | $ 587,000 | $ 97,833 | $ 48,000 |
| St. Louis, Missouri | 6 | $ 856,000 | $ 142,666 | $ 97,000 |
| Henrico, Virginia | 6 | $ 935,000 | $ 155,833 | $ 66,000 |
| Stanislaus, California | 5 | $ 779,000 | $ 155,800 | $ 57,000 |
| Tulare, California | 5 | $ 823,000 | $ 164,600 | $ 68,000 |
| Bay, Florida | 5 | $ 549,000 | $ 109,800 | $ 64,000 |
| Citrus, Florida | 5 | $ 685,000 | $ 137,000 | $ 122,000 |
| Osceola, Florida | 5 | $ 698,000 | $ 139,600 | $ 48,000 |
| Seminole, Florida | 5 | $ 828,000 | $ 165,600 | $ 72,000 |
| Lake, Indiana | 5 | $ 516,000 | $ 103,200 | $ 58,000 |
| Marion, Indiana | 5 | $ 772,000 | $ 154,400 | $ 90,000 |
| Iosco, Michigan | 5 | $ 380,000 | $ 76,000 | $ 64,000 |
| Isabella, Michigan | 5 | $ 559,000 | $ 111,800 | $ 58,000 |
| Lapeer, Michigan | 5 | $ 691,000 | $ 138,200 | $ 72,000 |
| Mason, Michigan | 5 | $ 450,000 | $ 90,000 | $ 31,000 |
| St. Joseph, Michigan | 5 | $ 527,000 | $ 105,400 | $ 59,000 |
| Cuyahoga, Ohio | 5 | $ 563,000 | $ 112,600 | $ 59,000 |
| Sacramento, California | 4 | $ 586,000 | $ 146,500 | $ 81,000 |
| San Mateo, California | 4 | $ 1,290,000 | $ 322,500 | $ 269,000 |
| Alachua, Florida | 4 | $ 562,000 | $ 140,500 | $ 69,000 |
| Clay, Florida | 4 | $ 422,000 | $ 105,500 | $ 74,000 |
| Flagler, Florida | 4 | $ 588,000 | $ 147,000 | $ 49,000 |
| Hernando, Florida | 4 | $ 432,000 | $ 108,000 | $ 43,000 |
| St. Lucie, Florida | 4 | $ 471,000 | $ 117,750 | $ 35,000 |
| Branch, Michigan | 4 | $ 583,000 | $ 145,750 | $ 55,000 |
| Hillsdale, Michigan | 4 | $ 665,000 | $ 166,250 | $ 35,000 |
| Van Buren, Michigan | 4 | $ 568,000 | $ 142,000 | $ 69,000 |
| Jackson, Missouri | 4 | $ 627,000 | $ 156,750 | $ 111,000 |
| Jefferson, Missouri | 4 | $ 576,000 | $ 144,000 | $ 63,000 |
| St. Charles, Missouri | 4 | $ 500,000 | $ 125,000 | $ 62,000 |
| Kern, California | 3 | $ 617,000 | $ 205,666 | $ 59,000 |
| Orange, California | 3 | $ 830,000 | $ 276,666 | $ 95,000 |
| Escambia, Florida | 3 | $ 299,000 | $ 99,666 | $ 43,000 |
| Leon, Florida | 3 | $ 317,000 | $ 105,666 | $ 54,000 |
| Manatee, Florida | 3 | $ 460,000 | $ 153,333 | $ 74,000 |
| Martin, Florida | 3 | $ 515,000 | $ 171,666 | $ 101,000 |
| Putnam, Florida | 3 | $ 308,000 | $ 102,666 | $ 51,000 |
| Lake, Illinois | 3 | $ 278,000 | $ 92,666 | $ 39,000 |
| Madison, Indiana | 3 | $ 440,000 | $ 146,666 | $ 56,000 |
| Noble, Indiana | 3 | $ 320,000 | $ 106,666 | $ 46,000 |
| Johnson, Kansas | 3 | $ 432,000 | $ 144,000 | $ 58,000 |
| Riley, Kansas | 3 | $ 201,000 | $ 67,000 | $ 64,000 |
| Boyd, Kentucky | 3 | $ 164,000 | $ 54,666 | $ 60,000 |
| Fayette, Kentucky | 3 | $ 358,000 | $ 119,333 | $ 55,000 |
| Kenton, Kentucky | 3 | $ 392,000 | $ 130,666 | $ 62,000 |
| McCracken, Kentucky | 3 | $ 195,000 | $ 65,000 | $ 28,000 |
| Chippewa, Michigan | 3 | $ 170,000 | $ 56,666 | $ 32,000 |
| Crawford, Michigan | 3 | $ 203,000 | $ 67,666 | $ 58,000 |
| Gladwin, Michigan | 3 | $ 449,000 | $ 149,666 | $ 66,000 |
| Grand Traverse, Michigan | 3 | $ 503,000 | $ 167,666 | $ 48,000 |
| Mecosta, Michigan | 3 | $ 310,000 | $ 103,333 | $ 54,000 |
| St. Clair, Michigan | 3 | $ 496,000 | $ 165,333 | $ 61,000 |
| Wexford, Michigan | 3 | $ 304,000 | $ 101,333 | $ 48,000 |
| Clay, Missouri | 3 | $ 333,000 | $ 111,000 | $ 51,000 |
| St. Louis City, Missouri | 3 | $ 359,000 | $ 119,666 | $ 86,000 |
| Taney, Missouri | 3 | $ 515,000 | $ 171,666 | $ 73,000 |
| Franklin, Ohio | 3 | $ 417,000 | $ 139,000 | $ 64,000 |
| Lake, Ohio | 3 | $ 359,000 | $ 119,666 | $ 30,000 |
| Fauquier, Virginia | 3 | $ 955,000 | $ 318,333 | $ 70,000 |
| Loudoun, Virginia | 3 | $ 922,000 | $ 307,333 | $ 82,000 |
| Stafford, Virginia | 3 | $ 807,000 | $ 269,000 | $ 96,000 |
| Warren, Virginia | 3 | $ 316,000 | $ 105,333 | $ 76,000 |
| Los Angeles, California | 2 | $ 341,000 | $ 170,500 | $ 59,000 |
| Madera, California | 2 | $ 367,000 | $ 183,500 | $ 111,000 |
| San Diego, California | 2 | $ 812,000 | $ 406,000 | $ 150,000 |
| Ventura, California | 2 | $ 402,000 | $ 201,000 | $ 114,000 |
| Pueblo, Colorado | 2 | $ 581,000 | $ 290,500 | $ 120,000 |
| DeSoto, Florida | 2 | $ 722,000 | $ 361,000 | $ 145,000 |
| Indian River, Florida | 2 | $ 132,000 | $ 66,000 | $ 52,000 |
| Jackson, Florida | 2 | $ 105,000 | $ 52,500 | $ 87,000 |
| Levy, Florida | 2 | $ 226,000 | $ 113,000 | $ 37,000 |
| Santa Rosa, Florida | 2 | $ 366,000 | $ 183,000 | $ 38,000 |
| Adams, Indiana | 2 | $ 305,000 | $ 152,500 | $ 43,000 |
| Bartholomew, Indiana | 2 | $ 211,000 | $ 105,500 | $ 48,000 |
| Clark, Indiana | 2 | $ 88,000 | $ 44,000 | $ 67,000 |
| Knox, Indiana | 2 | $ 77,000 | $ 38,500 | $ 52,000 |
| Kosciusko, Indiana | 2 | $ 254,000 | $ 127,000 | $ 66,000 |
| Monroe, Indiana | 2 | $ 148,000 | $ 74,000 | $ 32,000 |
| Morgan, Indiana | 2 | $ 251,000 | $ 125,500 | $ 65,000 |
| Porter, Indiana | 2 | $ 304,000 | $ 152,000 | $ 77,000 |
| Leavenworth, Kansas | 2 | $ 305,000 | $ 152,500 | $ 72,000 |
| Miami, Kansas | 2 | $ 325,000 | $ 162,500 | $ 72,000 |
| Hardin, Kentucky | 2 | $ 192,000 | $ 96,000 | $ 89,000 |
| Antrim, Michigan | 2 | $ 158,000 | $ 79,000 | $ 42,000 |
| Clare, Michigan | 2 | $ 127,000 | $ 63,500 | $ 31,000 |
| Lenawee, Michigan | 2 | $ 221,000 | $ 110,500 | $ 78,000 |
| Montmorency, Michigan | 2 | $ 113,000 | $ 56,500 | $ 38,000 |
| Otsego, Michigan | 2 | $ 184,000 | $ 92,000 | $ 43,000 |
| Sanilac, Michigan | 2 | $ 235,000 | $ 117,500 | $ 48,000 |
| Tuscola, Michigan | 2 | $ 299,000 | $ 149,500 | $ 29,000 |
| Hennepin, Minnesota | 2 | $ 230,000 | $ 115,000 | $ 59,000 |
| Ramsey, Minnesota | 2 | $ 705,000 | $ 352,500 | $ 86,000 |
| Hancock, Ohio | 2 | $ 322,000 | $ 161,000 | $ 64,000 |
| Summit, Ohio | 2 | $ 141,000 | $ 70,500 | $ 82,000 |
| Warren, Ohio | 2 | $ 279,000 | $ 139,500 | $ 109,000 |
| Wayne, Ohio | 2 | $ 241,000 | $ 120,500 | $ 52,000 |
| Culpeper, Virginia | 2 | $ 531,000 | $ 265,500 | $ 86,000 |
| Dickenson, Virginia | 2 | $ 108,000 | $ 54,000 | $ 48,000 |
| Frederick, Virginia | 2 | $ 459,000 | $ 229,500 | $ 70,000 |
| Hampton, Virginia | 2 | $ 333,000 | $ 166,500 | $ 60,000 |
| Nelson, Virginia | 2 | $ 391,000 | $ 195,500 | $ 106,000 |
| Portsmouth, Virginia | 2 | $ 250,000 | $ 125,000 | $ 43,000 |
| Rockingham, Virginia | 2 | $ 164,000 | $ 82,000 | $ 34,000 |
| Spotsylvania, Virginia | 2 | $ 424,000 | $ 212,000 | $ 86,000 |
| Suffolk, Virginia | 2 | $ 372,000 | $ 186,000 | $ 81,000 |
| Winchester, Virginia | 2 | $ 281,000 | $ 140,500 | $ 27,000 |
| Wise, Virginia | 2 | $ 140,000 | $ 70,000 | $ 78,000 |
| Maricopa, Arizona | 1 | $ 66,000 | $ 66,000 | $ 155,000 |
| Alameda, California | 1 | $ 340,000 | $ 340,000 | $ 161,000 |
| Contra Costa, California | 1 | $ 213,000 | $ 213,000 | $ 71,000 |
| Fresno, California | 1 | $ 108,000 | $ 108,000 | $ 41,000 |
| Inyo, California | 1 | $ 284,000 | $ 284,000 | $ 91,000 |
| Lake, California | 1 | $ 195,000 | $ 195,000 | $ 56,000 |
| Merced, California | 1 | $ 268,000 | $ 268,000 | $ 67,000 |
| Mono, California | 1 | $ 258,000 | $ 258,000 | $ 78,000 |
| Napa, California | 1 | $ 230,000 | $ 230,000 | $ 34,000 |
| Nevada, California | 1 | $ 120,000 | $ 120,000 | $ 38,000 |
| Placer, California | 1 | $ 300,000 | $ 300,000 | $ 130,000 |
| San Joaquin, California | 1 | $ 55,000 | $ 55,000 | $ 95,000 |
| Solano, California | 1 | $ 80,000 | $ 80,000 | $ 28,000 |
| Sutter, California | 1 | $ 314,000 | $ 314,000 | $ 61,000 |
| Tehama, California | 1 | $ 85,000 | $ 85,000 | $ 24,000 |
| Douglas, Colorado | 1 | $ 57,000 | $ 57,000 | $ 87,000 |
| Charlotte, Florida | 1 | $ 172,000 | $ 172,000 | $ 86,000 |
| Gadsden, Florida | 1 | $ 130,000 | $ 130,000 | $ 77,000 |
| Highlands, Florida | 1 | $ 88,000 | $ 88,000 | $ 43,000 |
| Walton, Florida | 1 | $ 273,000 | $ 273,000 | $ 65,000 |
| Washington, Florida | 1 | $ 57,000 | $ 57,000 | $ 28,000 |
| Christian, Illinois | 1 | $ 95,000 | $ 95,000 | $ 52,000 |
| DuPage, Illinois | 1 | $ 188,000 | $ 188,000 | $ 54,000 |
| Mason, Illinois | 1 | $ 248,000 | $ 248,000 | $ 82,000 |
| Montgomery, Illinois | 1 | $ 140,000 | $ 140,000 | $ 41,000 |
| Morgan, Illinois | 1 | $ 75,000 | $ 75,000 | $ 30,000 |
| Piatt, Illinois | 1 | $ 73,000 | $ 73,000 | $ 52,000 |
| St. Clair, Illinois | 1 | $ 123,000 | $ 123,000 | $ 54,000 |
| White, Illinois | 1 | $ 47,000 | $ 47,000 | $ 40,000 |
| Winnebago, Illinois | 1 | $ 108,000 | $ 108,000 | $ 75,000 |
| Benton, Indiana | 1 | $ 118,000 | $ 118,000 | $ 55,000 |
| Decatur, Indiana | 1 | $ 78,000 | $ 78,000 | $ 73,000 |
| DeKalb, Indiana | 1 | $ 58,000 | $ 58,000 | $ 30,000 |
| Hamilton, Indiana | 1 | $ 74,000 | $ 74,000 | $ 34,000 |
| Hendricks, Indiana | 1 | $ 87,000 | $ 87,000 | $ 48,000 |
| Howard, Indiana | 1 | $ 166,000 | $ 166,000 | $ 58,000 |
| Montgomery, Indiana | 1 | $ 155,000 | $ 155,000 | $ 75,000 |
| Ripley, Indiana | 1 | $ 160,000 | $ 160,000 | $ 58,000 |
| Shelby, Indiana | 1 | $ 80,000 | $ 80,000 | $ 24,000 |
| Starke, Indiana | 1 | $ 82,000 | $ 82,000 | $ 31,000 |
| Switzerland, Indiana | 1 | $ 88,000 | $ 88,000 | $ 41,000 |
| Vigo, Indiana | 1 | $ 100,000 | $ 100,000 | $ 58,000 |
| Warrick, Indiana | 1 | $ 75,000 | $ 75,000 | $ 66,000 |
| Whitley, Indiana | 1 | $ 146,000 | $ 146,000 | $ 68,000 |
| Cherokee, Kansas | 1 | $ 52,000 | $ 52,000 | $ 34,000 |
| Cowley, Kansas | 1 | $ 66,000 | $ 66,000 | $ 26,000 |
| Douglas, Kansas | 1 | $ 161,000 | $ 161,000 | $ 42,000 |
| McPherson, Kansas | 1 | $ 200,000 | $ 200,000 | $ 71,000 |
| Montgomery, Kansas | 1 | $ 145,000 | $ 145,000 | $ 60,000 |
| Reno, Kansas | 1 | $ 69,000 | $ 69,000 | $ 66,000 |
| Sedgwick, Kansas | 1 | $ 54,000 | $ 54,000 | $ 31,000 |
| Shawnee, Kansas | 1 | $ 65,000 | $ 65,000 | $ 20,000 |
| Sumner, Kansas | 1 | $ 108,000 | $ 108,000 | $ 59,000 |
| Washington, Kansas | 1 | $ 118,000 | $ 118,000 | $ 49,000 |
| Barren, Kentucky | 1 | $ 100,000 | $ 100,000 | $ 29,000 |
| Bullitt, Kentucky | 1 | $ 64,000 | $ 64,000 | $ 31,000 |
| Franklin, Kentucky | 1 | $ 173,000 | $ 173,000 | $ 91,000 |
| Harrison, Kentucky | 1 | $ 186,000 | $ 186,000 | $ 84,000 |
| Henderson, Kentucky | 1 | $ 114,000 | $ 114,000 | $ 29,000 |
| Hopkins, Kentucky | 1 | $ 73,000 | $ 73,000 | $ 72,000 |
| Madison, Kentucky | 1 | $ 122,000 | $ 122,000 | $ 58,000 |
| Nelson, Kentucky | 1 | $ 88,000 | $ 88,000 | $ 84,000 |
| Pulaski, Kentucky | 1 | $ 85,000 | $ 85,000 | $ 48,000 |
| Rockcastle, Kentucky | 1 | $ 52,000 | $ 52,000 | $ 32,000 |
| Warren, Kentucky | 1 | $ 143,000 | $ 143,000 | $ 58,000 |
| Anne Arundel, Maryland | 1 | $ 394,000 | $ 394,000 | $ 67,000 |
| Alger, Michigan | 1 | $ 162,000 | $ 162,000 | $ 46,000 |
| Cass, Michigan | 1 | $ 137,000 | $ 137,000 | $ 60,000 |
| Cheboygan, Michigan | 1 | $ 152,000 | $ 152,000 | $ 34,000 |
| Emmet, Michigan | 1 | $ 464,000 | $ 464,000 | $ 125,000 |
| Houghton, Michigan | 1 | $ 67,000 | $ 67,000 | $ 59,000 |
| Lake, Michigan | 1 | $ 78,000 | $ 78,000 | $ 71,000 |
| Luce, Michigan | 1 | $ 61,000 | $ 61,000 | $ 36,000 |
| Mackinac, Michigan | 1 | $ 119,000 | $ 119,000 | $ 59,000 |
| Manistee, Michigan | 1 | $ 90,000 | $ 90,000 | $ 33,000 |
| Missaukee, Michigan | 1 | $ 189,000 | $ 189,000 | $ 44,000 |
| Oceana, Michigan | 1 | $ 26,000 | $ 26,000 | $ 44,000 |
| Osceola, Michigan | 1 | $ 118,000 | $ 118,000 | $ 25,000 |
| Anoka, Minnesota | 1 | $ 29,000 | $ 29,000 | $ 72,000 |
| Benton, Minnesota | 1 | $ 54,000 | $ 54,000 | $ 108,000 |
| Dakota, Minnesota | 1 | $ 159,000 | $ 159,000 | $ 58,000 |
| Douglas, Minnesota | 1 | $ 158,000 | $ 158,000 | $ 47,000 |
| Le Sueur, Minnesota | 1 | $ 113,000 | $ 113,000 | $ 46,000 |
| McLeod, Minnesota | 1 | $ 105,000 | $ 105,000 | $ 51,000 |
| Meeker, Minnesota | 1 | $ 156,000 | $ 156,000 | $ 50,000 |
| Otter Tail, Minnesota | 1 | $ 90,000 | $ 90,000 | $ 48,000 |
| Pope, Minnesota | 1 | $ 131,000 | $ 131,000 | $ 92,000 |
| Sherburne, Minnesota | 1 | $ 252,000 | $ 252,000 | $ 68,000 |
| St. Louis, Minnesota | 1 | $ 160,000 | $ 160,000 | $ 87,000 |
| Todd, Minnesota | 1 | $ 116,000 | $ 116,000 | $ 35,000 |
| Waseca, Minnesota | 1 | $ 115,000 | $ 115,000 | $ 74,000 |
| Andrew, Missouri | 1 | $ 63,000 | $ 63,000 | $ 39,000 |
| Boone, Missouri | 1 | $ 56,000 | $ 56,000 | $ 32,000 |
| Clinton, Missouri | 1 | $ 174,000 | $ 174,000 | $ 94,000 |
| Franklin, Missouri | 1 | $ 110,000 | $ 110,000 | $ 38,000 |
| Greene, Missouri | 1 | $ 91,000 | $ 91,000 | $ 45,000 |
| Henry, Missouri | 1 | $ 59,000 | $ 59,000 | $ 23,000 |
| Lincoln, Missouri | 1 | $ 101,000 | $ 101,000 | $ 73,000 |
| Livingston, Missouri | 1 | $ 110,000 | $ 110,000 | $ 61,000 |
| Maries, Missouri | 1 | $ 89,000 | $ 89,000 | $ 45,000 |
| Marion, Missouri | 1 | $ 81,000 | $ 81,000 | $ 26,000 |
| Moniteau, Missouri | 1 | $ 107,000 | $ 107,000 | $ 40,000 |
| Saline, Missouri | 1 | $ 116,000 | $ 116,000 | $ 41,000 |
| Scott, Missouri | 1 | $ 76,000 | $ 76,000 | $ 43,000 |
| Stoddard, Missouri | 1 | $ 72,000 | $ 72,000 | $ 36,000 |
| Vernon, Missouri | 1 | $ 46,000 | $ 46,000 | $ 27,000 |
| Warren, Missouri | 1 | $ 55,000 | $ 55,000 | $ 52,000 |
| Butler, Ohio | 1 | $ 70,000 | $ 70,000 | $ 38,000 |
| Columbiana, Ohio | 1 | $ 101,000 | $ 101,000 | $ 50,000 |
| Delaware, Ohio | 1 | $ 188,000 | $ 188,000 | $ 60,000 |
| Erie, Ohio | 1 | $ 143,000 | $ 143,000 | $ 81,000 |
| Greene, Ohio | 1 | $ 131,000 | $ 131,000 | $ 64,000 |
| Hamilton, Ohio | 1 | $ 100,000 | $ 100,000 | $ 41,000 |
| Hardin, Ohio | 1 | $ 111,000 | $ 111,000 | $ 157,000 |
| Knox, Ohio | 1 | $ 97,000 | $ 97,000 | $ 35,000 |
| Lucas, Ohio | 1 | $ 72,000 | $ 72,000 | $ 38,000 |
| Medina, Ohio | 1 | $ 150,000 | $ 150,000 | $ 49,000 |
| Meigs, Ohio | 1 | $ 50,000 | $ 50,000 | $ 18,000 |
| Miami, Ohio | 1 | $ 126,000 | $ 126,000 | $ 40,000 |
| Montgomery, Ohio | 1 | $ 143,000 | $ 143,000 | $ 59,000 |
| Seneca, Ohio | 1 | $ 117,000 | $ 117,000 | $ 130,000 |
| Stark, Ohio | 1 | $ 108,000 | $ 108,000 | $ 54,000 |
| Tuscarawas, Ohio | 1 | $ 130,000 | $ 130,000 | $ 56,000 |
| Williams, Ohio | 1 | $ 94,000 | $ 94,000 | $ 24,000 |
| Albemarle, Virginia | 1 | $ 95,000 | $ 95,000 | $ 61,000 |
| Arlington, Virginia | 1 | $ 150,000 | $ 150,000 | $ 54,000 |
| Augusta, Virginia | 1 | $ 125,000 | $ 125,000 | $ 21,000 |
| Carroll, Virginia | 1 | $ 62,000 | $ 62,000 | $ 40,000 |
| Hanover, Virginia | 1 | $ 254,000 | $ 254,000 | $ 98,000 |
| Isle of Wight, Virginia | 1 | $ 126,000 | $ 126,000 | $ 27,000 |
| Montgomery, Virginia | 1 | $ 116,000 | $ 116,000 | $ 27,000 |
| Pulaski, Virginia | 1 | $ 166,000 | $ 166,000 | $ 63,000 |
| Richmond, Virginia | 1 | $ 153,000 | $ 153,000 | $ 54,000 |
| Richmond City, Virginia | 1 | $ 155,000 | $ 155,000 | $ 65,000 |
| Roanoke City, Virginia | 1 | $ 56,000 | $ 56,000 | $ 15,000 |
| Rockbridge, Virginia | 1 | $ 109,000 | $ 109,000 | $ 42,000 |
| Surry, Virginia | 1 | $ 95,000 | $ 95,000 | $ 31,000 |
| Washington, Virginia | 1 | $ 185,000 | $ 185,000 | $ 55,000 |
| Waynesboro, Virginia | 1 | $ 110,000 | $ 110,000 | $ 43,000 |
Mortgage Loan Application Detail Totals for Access Mortgage & Financial in 2005
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 | 1,247 | $167,912,000 | $143,500 | $730,000 | $68,166 | $600,000 |
| Home Purchase | 464 | $58,780,000 | $143,500 | $1,509,000 | $70,750 | $708,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $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 | 1,398 | $182,908,000 | $139,800 | $1,509,000 | $70,133 | $708,000 |
| Not Provided | 153 | $21,276,000 | $174,818 | $600,000 | $69,363 | $384,000 |
| Black or African American | 79 | $9,395,000 | $137,125 | $361,000 | $75,625 | $208,000 |
| Hispanic | 53 | $9,415,000 | $166,000 | $730,000 | $69,875 | $596,000 |
| Asian | 25 | $3,482,000 | $163,250 | $310,000 | $93,500 | $275,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $216,000 | $72,000 | $79,000 | $66,333 | $110,000 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 1,710 | $226,569,000 | $151,666 | $1,509,000 | $71,933 | $708,000 |
| VA-guaranteed (Veterans Administration) | 1 | $123,000 | $123,000 | $123,000 | $37,000 | $37,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 969 | $126,636,000 | $129,666 | $514,000 | $65,416 | $287,000 |
| Application Withdrawn By Applicant | 436 | $59,426,000 | $156,500 | $1,509,000 | $74,357 | $708,000 |
| Application Denied By Financial Institution | 303 | $39,597,000 | $134,166 | $730,000 | $64,500 | $600,000 |
| Application Approved But Not Accepted | 3 | $1,033,000 | $303,000 | $720,000 | $220,000 | $600,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Other | 100 | $11,535,000 | $118,250 | $418,000 | $66,583 | $600,000 |
| Debt-To-Income Ratio | 39 | $5,391,000 | $133,600 | $560,000 | $69,800 | $140,000 |
| Collateral | 36 | $4,346,000 | $161,333 | $515,000 | $57,111 | $116,000 |
| Credit History | 26 | $3,198,000 | $122,375 | $730,000 | $93,125 | $596,000 |
| Employment History | 9 | $1,230,000 | $125,000 | $359,000 | $63,000 | $180,000 |
| Credit Application Incomplete | 5 | $557,000 | $114,500 | $209,000 | $49,000 | $110,000 |
| Unverifiable Information | 4 | $743,000 | $185,000 | $415,000 | $76,000 | $102,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $218,000 | $109,000 | $110,000 | $53,500 | $54,000 |
| Mortgage Insurance Denied | 1 | $129,000 | $129,000 | $129,000 | $600,000 | $600,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Access Mortgage & Financial's 2005 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Access Mortgage & Financial's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Michigan, download the full spreadsheet
with aggregated HMDA statistics today.
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