Chemical Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2007
Chemical Bank 2007 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 | 5,291 |
| Total Mortgage Loan Application Amount | $492,292,000 |
| Average Mortgage Loan Application Amount | $86,000 |
| Highest Mortgage Loan Application Amount | $3,000,000 |
| Average Applicant Income | $63,000 |
| Highest Applicant Income | $4,220,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2007 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 2007 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 2007.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Berrien County Michigan | 438 | $ 55,267,000 | $ 126,000 | $ 81,000 |
| Midland County Michigan | 342 | $ 31,067,000 | $ 90,000 | $ 70,000 |
| Bay County Michigan | 330 | $ 22,125,000 | $ 67,000 | $ 60,000 |
| Montcalm County Michigan | 297 | $ 21,560,000 | $ 72,000 | $ 54,000 |
| Kent County Michigan | 292 | $ 33,753,000 | $ 115,000 | $ 64,000 |
| Van Buren County Michigan | 231 | $ 24,889,000 | $ 107,000 | $ 62,000 |
| Clare County Michigan | 218 | $ 12,359,000 | $ 56,000 | $ 47,000 |
| Mecosta County Michigan | 212 | $ 18,183,000 | $ 85,000 | $ 62,000 |
| Gladwin County Michigan | 180 | $ 11,448,000 | $ 63,000 | $ 53,000 |
| Osceola County Michigan | 162 | $ 9,642,000 | $ 59,000 | $ 58,000 |
| Shiawassee County Michigan | 137 | $ 11,811,000 | $ 86,000 | $ 68,000 |
| Kalamazoo County Michigan | 134 | $ 14,011,000 | $ 104,000 | $ 99,000 |
| Saginaw County Michigan | 131 | $ 11,961,000 | $ 91,000 | $ 73,000 |
| Wexford County Michigan | 130 | $ 10,419,000 | $ 80,000 | $ 53,000 |
| Gratiot County Michigan | 127 | $ 10,678,000 | $ 84,000 | $ 49,000 |
| Allegan County Michigan | 125 | $ 15,113,000 | $ 120,000 | $ 77,000 |
| Missaukee County Michigan | 123 | $ 8,722,000 | $ 70,000 | $ 57,000 |
| Ottawa County Michigan | 122 | $ 16,629,000 | $ 136,000 | $ 57,000 |
| Tuscola County Michigan | 109 | $ 6,830,000 | $ 62,000 | $ 51,000 |
| Calhoun County Michigan | 96 | $ 6,820,000 | $ 71,000 | $ 65,000 |
| Roscommon County Michigan | 96 | $ 7,234,000 | $ 75,000 | $ 61,000 |
| Arenac County Michigan | 94 | $ 5,617,000 | $ 59,000 | $ 51,000 |
| Isabella County Michigan | 86 | $ 7,521,000 | $ 87,000 | $ 61,000 |
| Newaygo County Michigan | 84 | $ 8,029,000 | $ 95,000 | $ 61,000 |
| Barry County Michigan | 81 | $ 7,976,000 | $ 98,000 | $ 59,000 |
| Genesee County Michigan | 72 | $ 4,888,000 | $ 67,000 | $ 67,000 |
| Cass County Michigan | 68 | $ 7,831,000 | $ 115,000 | $ 70,000 |
| Huron County Michigan | 56 | $ 4,877,000 | $ 87,000 | $ 55,000 |
| Crawford County Michigan | 38 | $ 2,719,000 | $ 71,000 | $ 48,000 |
| Ionia County Michigan | 38 | $ 2,678,000 | $ 70,000 | $ 52,000 |
| Grand Traverse County Michigan | 32 | $ 7,056,000 | $ 220,000 | $ 150,000 |
| Branch County Michigan | 28 | $ 3,592,000 | $ 128,000 | $ 68,000 |
| Sanilac County Michigan | 24 | $ 1,286,000 | $ 53,000 | $ 41,000 |
| Muskegon County Michigan | 20 | $ 1,804,000 | $ 90,000 | $ 47,000 |
| Lake County Michigan | 19 | $ 1,006,000 | $ 52,000 | $ 58,000 |
| Benzie County Michigan | 15 | $ 1,623,000 | $ 108,000 | $ 81,000 |
| Ingham County Michigan | 15 | $ 1,662,000 | $ 110,000 | $ 58,000 |
| Oceana County Michigan | 11 | $ 1,186,000 | $ 107,000 | $ 58,000 |
| Jackson County Michigan | 10 | $ 962,000 | $ 96,000 | $ 47,000 |
| Manistee County Michigan | 9 | $ 662,000 | $ 73,000 | $ 41,000 |
| Antrim County Michigan | 8 | $ 1,432,000 | $ 179,000 | $ 190,000 |
| LaPorte County Indiana | 7 | $ 2,489,000 | $ 355,000 | $ 193,000 |
| Eaton County Michigan | 6 | $ 578,000 | $ 96,000 | $ 51,000 |
| Iosco County Michigan | 6 | $ 469,000 | $ 78,000 | $ 89,000 |
| Ogemaw County Michigan | 6 | $ 364,000 | $ 60,000 | $ 50,000 |
| Clinton County Michigan | 5 | $ 168,000 | $ 33,000 | $ 61,000 |
| Mackinac County Michigan | 5 | $ 699,000 | $ 139,000 | $ 60,000 |
| Cook County Illinois | 4 | $ 1,176,000 | $ 294,000 | $ 120,000 |
| Charlevoix County Michigan | 4 | $ 2,587,000 | $ 646,000 | $ 297,000 |
| Hillsdale County Michigan | 4 | $ 288,000 | $ 72,000 | $ 62,000 |
| Lapeer County Michigan | 4 | $ 583,000 | $ 145,000 | $ 61,000 |
| Macomb County Michigan | 4 | $ 400,000 | $ 100,000 | $ 113,000 |
| Otsego County Michigan | 4 | $ 285,000 | $ 71,000 | $ 32,000 |
| St. Joseph County Indiana | 3 | $ 1,054,000 | $ 351,000 | $ 132,000 |
| Cheboygan County Michigan | 3 | $ 737,000 | $ 245,000 | $ 118,000 |
| Chippewa County Michigan | 3 | $ 388,000 | $ 129,000 | $ 188,000 |
| Emmet County Michigan | 3 | $ 1,858,000 | $ 619,000 | $ 93,000 |
| Kalkaska County Michigan | 3 | $ 262,000 | $ 87,000 | $ 53,000 |
| Livingston County Michigan | 3 | $ 225,000 | $ 75,000 | $ 123,000 |
| Oakland County Michigan | 3 | $ 397,000 | $ 132,000 | $ 70,000 |
| Oscoda County Michigan | 3 | $ 220,000 | $ 73,000 | $ 45,000 |
| St. Joseph County Michigan | 3 | $ 330,000 | $ 110,000 | $ 49,000 |
| Lawrence County Alabama | 2 | $ 176,000 | $ 88,000 | $ 89,000 |
| Lee County Florida | 2 | $ 374,000 | $ 187,000 | $ 106,000 |
| Leelanau County Michigan | 2 | $ 519,000 | $ 259,000 | $ 34,000 |
| Mason County Michigan | 2 | $ 109,000 | $ 54,000 | $ 44,000 |
| Monroe County Michigan | 2 | $ 107,000 | $ 53,000 | $ 77,000 |
| Montmorency County Michigan | 2 | $ 200,000 | $ 100,000 | $ 39,000 |
| Washtenaw County Michigan | 2 | $ 273,000 | $ 136,000 | $ 76,000 |
| Travis County Texas | 2 | $ 175,000 | $ 87,000 | $ 150,000 |
| St. Clair County Alabama | 1 | $ 285,000 | $ 285,000 | $ 83,000 |
| Maricopa County Arizona | 1 | $ 370,000 | $ 370,000 | $ 33,000 |
| Pima County Arizona | 1 | $ 417,000 | $ 417,000 | $ 139,000 |
| Boulder County Colorado | 1 | $ 201,000 | $ 201,000 | $ 85,000 |
| Routt County Colorado | 1 | $ 125,000 | $ 125,000 | $ 129,000 |
| Collier County Florida | 1 | $ 115,000 | $ 115,000 | $ 439,000 |
| Glades County Florida | 1 | $ 176,000 | $ 176,000 | $ 47,000 |
| Highlands County Florida | 1 | $ 140,000 | $ 140,000 | $ 210,000 |
| Orange County Florida | 1 | $ 350,000 | $ 350,000 | $ 113,000 |
| Pinellas County Florida | 1 | $ 90,000 | $ 90,000 | $ 160,000 |
| Maui County Hawaii | 1 | $ 14,000 | $ 14,000 | $ 0 |
| DuPage County Illinois | 1 | $ 950,000 | $ 950,000 | $ 270,000 |
| Kendall County Illinois | 1 | $ 320,000 | $ 320,000 | $ 231,000 |
| Lake County Illinois | 1 | $ 709,000 | $ 709,000 | $ 249,000 |
| Will County Illinois | 1 | $ 154,000 | $ 154,000 | $ 150,000 |
| Boone County Indiana | 1 | $ 254,000 | $ 254,000 | $ 72,000 |
| Tippecanoe County Indiana | 1 | $ 23,000 | $ 23,000 | $ 185,000 |
| Alcona County Michigan | 1 | $ 2,000 | $ 2,000 | $ 18,000 |
| Alpena County Michigan | 1 | $ 75,000 | $ 75,000 | $ 27,000 |
| Houghton County Michigan | 1 | $ 145,000 | $ 145,000 | $ 52,000 |
| Lenawee County Michigan | 1 | $ 67,000 | $ 67,000 | $ 24,000 |
| St. Clair County Michigan | 1 | $ 100,000 | $ 100,000 | $ 92,000 |
| Clark County Nevada | 1 | $ 600,000 | $ 600,000 | $ 920,000 |
| Essex County New York | 1 | $ 193,000 | $ 193,000 | $ 94,000 |
| New York County New York | 1 | $ 1,000,000 | $ 1,000,000 | $ 0 |
| Franklin County Ohio | 1 | $ 112,000 | $ 112,000 | $ 63,000 |
| Lucas County Ohio | 1 | $ 6,000 | $ 6,000 | $ 82,000 |
| Stark County Ohio | 1 | $ 210,000 | $ 210,000 | $ 89,000 |
| Berkeley County South Carolina | 1 | $ 400,000 | $ 400,000 | $ 162,000 |
| Salt Lake County Utah | 1 | $ 188,000 | $ 188,000 | $ 199,000 |
| Rutland County Vermont | 1 | $ 52,000 | $ 52,000 | $ 100,000 |
| San Juan County Washington | 1 | $ 900,000 | $ 900,000 | $ 268,000 |
Mortgage Loan Application Detail Totals for Chemical Bank in 2007
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 | 2,125 | $209,141,000 | $98,000 | $1,600,000 | $63,000 | $839,000 |
| Home Purchase | 1,857 | $243,257,000 | $130,000 | $3,000,000 | $68,000 | $4,220,000 |
| Home Improvement | 1,309 | $39,894,000 | $30,000 | $660,000 | $58,000 | $1,290,000 |
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 | 4,784 | $438,522,000 | $91,000 | $2,100,000 | $65,000 | $4,220,000 |
| Hispanic | 185 | $12,968,000 | $70,000 | $366,000 | $41,000 | $206,000 |
| Black or African American | 129 | $10,266,000 | $79,000 | $1,800,000 | $68,000 | $458,000 |
| Not applicable | 74 | $17,919,000 | $242,000 | $3,000,000 | $1,000 | $95,000 |
| Not Provided | 74 | $5,749,000 | $77,000 | $1,550,000 | $67,000 | $471,000 |
| Asian | 32 | $5,333,000 | $166,000 | $1,903,000 | $106,000 | $635,000 |
| American Indian or Alaskan Native | 11 | $1,159,000 | $105,000 | $185,000 | $65,000 | $176,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $376,000 | $188,000 | $365,000 | $175,000 | $290,000 |
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) | 5,009 | $466,435,000 | $93,000 | $3,000,000 | $65,000 | $4,220,000 |
| FHA-insured (Federal Housing Administration) | 161 | $16,092,000 | $99,000 | $217,000 | $43,000 | $663,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 121 | $9,765,000 | $80,000 | $153,000 | $32,000 | $72,000 |
| 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 | 3,819 | $372,752,000 | $97,000 | $3,000,000 | $69,000 | $4,220,000 |
| Application Denied By Financial Institution | 700 | $45,106,000 | $64,000 | $1,200,000 | $45,000 | $1,290,000 |
| Application Approved But Not Accepted | 410 | $38,649,000 | $94,000 | $1,800,000 | $63,000 | $615,000 |
| Preapproval Denied by Financial Institution | 225 | $20,494,000 | $91,000 | $1,300,000 | $37,000 | $663,000 |
| Preapproval Approved but not Accepted | 92 | $10,637,000 | $115,000 | $750,000 | $58,000 | $624,000 |
| Application Withdrawn By Applicant | 44 | $4,555,000 | $103,000 | $350,000 | $66,000 | $259,000 |
| File Closed For Incompleteness | 1 | $99,000 | $99,000 | $99,000 | $48,000 | $48,000 |
| Loan Purchased By The 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 | 156 | $7,303,000 | $46,000 | $270,000 | $44,000 | $663,000 |
| Debt-To-Income Ratio | 49 | $6,194,000 | $126,000 | $756,000 | $57,000 | $376,000 |
| Collateral | 23 | $1,611,000 | $70,000 | $302,000 | $55,000 | $146,000 |
| Other | 9 | $1,173,000 | $130,000 | $437,000 | $188,000 | $1,290,000 |
| Employment History | 4 | $450,000 | $112,000 | $179,000 | $38,000 | $48,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $1,402,000 | $467,000 | $1,140,000 | $20,000 | $48,000 |
| Unverifiable Information | 1 | $172,000 | $172,000 | $172,000 | $64,000 | $64,000 |
| Credit Application Incomplete | 1 | $40,000 | $40,000 | $40,000 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Chemical Bank's 2007 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.
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