Chemical Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2003
Chemical Bank 2003 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Chemical Bank 333 E Main Street Midland, MI 48640 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 5,343 |
| Total Mortgage Loan Application Amount | $445,604,000 |
| Average Mortgage Loan Application Amount | $238,833 |
| Highest Mortgage Loan Application Amount | $3,754,000 |
| Average Applicant Income | $110,833 |
| Highest Applicant Income | $2,356,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2003 with Chemical Bank. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Chemical Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2003 breaks down Chemical Bank's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Chemical Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by Chemical Bank, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Chemical Bank's mortgage activity for 2003.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Midland County Michigan | 830 | $ 85,824,000 | $ 103,000 | $ 98,000 |
| Bay County Michigan | 664 | $ 50,819,000 | $ 76,000 | $ 56,000 |
| Clare County Michigan | 454 | $ 28,048,000 | $ 61,000 | $ 56,000 |
| Gladwin County Michigan | 410 | $ 29,835,000 | $ 72,000 | $ 49,000 |
| Shiawassee County Michigan | 330 | $ 30,187,000 | $ 91,000 | $ 74,000 |
| Saginaw County Michigan | 318 | $ 28,564,000 | $ 89,000 | $ 63,000 |
| Tuscola County Michigan | 299 | $ 18,965,000 | $ 63,000 | $ 52,000 |
| Isabella County Michigan | 239 | $ 19,531,000 | $ 81,000 | $ 66,000 |
| Gratiot County Michigan | 223 | $ 13,921,000 | $ 62,000 | $ 62,000 |
| Mecosta County Michigan | 214 | $ 21,347,000 | $ 99,000 | $ 102,000 |
| Huron County Michigan | 188 | $ 12,391,000 | $ 65,000 | $ 51,000 |
| Osceola County Michigan | 171 | $ 14,902,000 | $ 87,000 | $ 60,000 |
| Montcalm County Michigan | 170 | $ 15,052,000 | $ 88,000 | $ 56,000 |
| Arenac County Michigan | 162 | $ 11,443,000 | $ 70,000 | $ 48,000 |
| Genesee County Michigan | 104 | $ 6,554,000 | $ 63,000 | $ 66,000 |
| Roscommon County Michigan | 98 | $ 9,260,000 | $ 94,000 | $ 57,000 |
| Missaukee County Michigan | 77 | $ 10,112,000 | $ 131,000 | $ 126,000 |
| Sanilac County Michigan | 57 | $ 3,456,000 | $ 60,000 | $ 44,000 |
| Wexford County Michigan | 50 | $ 4,132,000 | $ 82,000 | $ 58,000 |
| Newaygo County Michigan | 41 | $ 3,717,000 | $ 90,000 | $ 64,000 |
| Ingham County Michigan | 33 | $ 3,712,000 | $ 112,000 | $ 114,000 |
| Ionia County Michigan | 30 | $ 2,943,000 | $ 98,000 | $ 77,000 |
| Kent County Michigan | 24 | $ 2,374,000 | $ 98,000 | $ 63,000 |
| Crawford County Michigan | 23 | $ 1,961,000 | $ 85,000 | $ 57,000 |
| Lake County Michigan | 17 | $ 1,436,000 | $ 84,000 | $ 53,000 |
| Clinton County Michigan | 15 | $ 1,787,000 | $ 119,000 | $ 75,000 |
| Iosco County Michigan | 13 | $ 1,301,000 | $ 100,000 | $ 88,000 |
| Ogemaw County Michigan | 13 | $ 866,000 | $ 66,000 | $ 32,000 |
| Lapeer County Michigan | 10 | $ 747,000 | $ 74,000 | $ 43,000 |
| Grand Traverse County Michigan | 6 | $ 654,000 | $ 109,000 | $ 110,000 |
| Livingston County Michigan | 6 | $ 651,000 | $ 108,000 | $ 135,000 |
| Antrim County Michigan | 5 | $ 1,198,000 | $ 239,000 | $ 150,000 |
| Benzie County Michigan | 5 | $ 681,000 | $ 136,000 | $ 135,000 |
| Leelanau County Michigan | 5 | $ 1,332,000 | $ 266,000 | $ 254,000 |
| Eaton County Michigan | 4 | $ 517,000 | $ 129,000 | $ 102,000 |
| Kalkaska County Michigan | 4 | $ 345,000 | $ 86,000 | $ 115,000 |
| Cheboygan County Michigan | 3 | $ 412,000 | $ 137,000 | $ 123,000 |
| Cook County Illinois | 2 | $ 188,000 | $ 94,000 | $ 239,000 |
| Alcona County Michigan | 2 | $ 379,000 | $ 189,000 | $ 117,000 |
| Charlevoix County Michigan | 2 | $ 591,000 | $ 295,000 | $ 320,000 |
| Emmet County Michigan | 2 | $ 473,000 | $ 236,000 | $ 160,000 |
| Macomb County Michigan | 2 | $ 229,000 | $ 114,000 | $ 85,000 |
| Montmorency County Michigan | 2 | $ 142,000 | $ 71,000 | $ 108,000 |
| Oceana County Michigan | 2 | $ 225,000 | $ 112,000 | $ 136,000 |
| Otsego County Michigan | 2 | $ 471,000 | $ 235,000 | $ 202,000 |
| Wayne County Michigan | 2 | $ 341,000 | $ 170,000 | $ 166,000 |
| Collier County Florida | 1 | $ 770,000 | $ 770,000 | $ 221,000 |
| Calhoun County Michigan | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Cass County Michigan | 1 | $ 3,000 | $ 3,000 | $ 24,000 |
| Chippewa County Michigan | 1 | $ 84,000 | $ 84,000 | $ 200,000 |
| Manistee County Michigan | 1 | $ 60,000 | $ 60,000 | $ 55,000 |
| Mason County Michigan | 1 | $ 90,000 | $ 90,000 | $ 107,000 |
| Oakland County Michigan | 1 | $ 35,000 | $ 35,000 | $ 50,000 |
| Presque Isle County Michigan | 1 | $ 116,000 | $ 116,000 | $ 127,000 |
| Van Buren County Michigan | 1 | $ 200,000 | $ 200,000 | $ 0 |
| Washtenaw County Michigan | 1 | $ 65,000 | $ 65,000 | $ 123,000 |
Mortgage Loan Application Detail Totals for Chemical Bank in 2003
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 (home purchase or home improvement, one-to-four family) | 3,908 | $351,571,000 | $89,000 | $3,754,000 | $83,000 | $2,356,000 |
| Home Purchase (one-to-four family) | 818 | $78,282,000 | $319,333 | $770,000 | $175,000 | $823,000 |
| Home Improvement (one-to-four family) | 612 | $13,931,000 | $22,000 | $570,000 | $57,000 | $400,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 5 | $1,820,000 | $364,000 | $500,000 | $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 | 5,187 | $426,525,000 | $315,333 | $770,000 | $176,000 | $2,356,000 |
| Hispanic | 41 | $2,977,000 | $72,000 | $270,000 | $59,000 | $175,000 |
| Black | 37 | $3,814,000 | $103,000 | $576,000 | $125,000 | $826,000 |
| Not applicable | 18 | $6,102,000 | $339,000 | $3,754,000 | $118,000 | $589,000 |
| Asian or Pacific Islander | 18 | $2,539,000 | $141,000 | $592,000 | $98,000 | $205,000 |
| American Indian or Alaskan Native | 17 | $1,183,000 | $69,000 | $166,000 | $62,000 | $128,000 |
| Other | 15 | $1,918,000 | $127,000 | $280,000 | $119,000 | $567,000 |
| Information not provided by applicant in mail or telephone application | 10 | $546,000 | $54,000 | $300,000 | $57,000 | $114,000 |
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) | 5,343 | $445,604,000 | $315,666 | $3,754,000 | $177,666 | $2,356,000 |
| 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 |
| VA-guaranteed (Veterans Administration) | 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 | 3,822 | $317,809,000 | $302,000 | $770,000 | $233,666 | $2,356,000 |
| Loan Purchased By The Institution | 884 | $79,972,000 | $90,000 | $323,000 | $70,000 | $688,000 |
| Application Denied By Financial Institution | 406 | $28,402,000 | $101,500 | $3,754,000 | $71,000 | $589,000 |
| Application Withdrawn By Applicant | 219 | $18,230,000 | $83,000 | $400,000 | $50,000 | $399,000 |
| Application Approved But Not Accepted | 11 | $1,176,000 | $106,000 | $300,000 | $52,000 | $94,000 |
| File Closed For Incompleteness | 1 | $15,000 | $15,000 | $15,000 | $29,000 | $29,000 |
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 | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 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 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Chemical Bank's 2003 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 Chemical Bank'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.