Chemical Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2016

Chemical Bank 2016 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 8,630
Total Mortgage Loan Application Amount $1,482,625,000
Average Mortgage Loan Application Amount $152,666
Highest Mortgage Loan Application Amount $22,500,000
Average Applicant Income $102,333
Highest Applicant Income $3,783,000

Explore comprehensive HMDA mortgage statistics and lending trends for 2016 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 2016 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 2016.

Mortgage Loan Application Totals for Chemical Bank by County in 2016

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Kent County Michigan 668 $ 159,447,000 $ 238,000 $ 112,000
Ottawa County Michigan 465 $ 109,948,000 $ 236,000 $ 123,000
Grand Traverse County Michigan 459 $ 102,430,000 $ 223,000 $ 121,000
Berrien County Michigan 385 $ 64,139,000 $ 166,000 $ 107,000
Allegan County Michigan 354 $ 60,056,000 $ 169,000 $ 97,000
Midland County Michigan 303 $ 48,030,000 $ 158,000 $ 127,000
Emmet County Michigan 288 $ 65,146,000 $ 226,000 $ 152,000
Bay County Michigan 243 $ 27,442,000 $ 112,000 $ 62,000
Oakland County Michigan 212 $ 78,079,000 $ 368,000 $ 189,000
Calhoun County Michigan 188 $ 14,455,000 $ 76,000 $ 79,000
Wexford County Michigan 188 $ 21,358,000 $ 113,000 $ 85,000
Montcalm County Michigan 183 $ 15,214,000 $ 83,000 $ 61,000
Kalamazoo County Michigan 181 $ 37,770,000 $ 208,000 $ 113,000
Van Buren County Michigan 177 $ 25,019,000 $ 141,000 $ 121,000
Leelanau County Michigan 174 $ 50,010,000 $ 287,000 $ 160,000
Gladwin County Michigan 158 $ 11,148,000 $ 70,000 $ 70,000
Roscommon County Michigan 153 $ 12,050,000 $ 78,000 $ 63,000
Otsego County Michigan 146 $ 14,261,000 $ 97,000 $ 81,000
Mecosta County Michigan 142 $ 16,745,000 $ 117,000 $ 77,000
Charlevoix County Michigan 137 $ 34,694,000 $ 253,000 $ 171,000
Barry County Michigan 136 $ 18,111,000 $ 133,000 $ 76,000
Shiawassee County Michigan 136 $ 11,694,000 $ 85,000 $ 69,000
Saginaw County Michigan 129 $ 19,352,000 $ 150,000 $ 88,000
Wayne County Michigan 123 $ 31,409,000 $ 255,000 $ 142,000
Clare County Michigan 114 $ 5,632,000 $ 49,000 $ 67,000
Osceola County Michigan 105 $ 8,007,000 $ 76,000 $ 62,000
Tuscola County Michigan 105 $ 9,087,000 $ 86,000 $ 73,000
Cass County Michigan 99 $ 14,234,000 $ 143,000 $ 86,000
Hamilton County Ohio 94 $ 23,301,000 $ 247,000 $ 154,000
Missaukee County Michigan 91 $ 10,340,000 $ 113,000 $ 86,000
Genesee County Michigan 87 $ 11,162,000 $ 128,000 $ 99,000
Mason County Michigan 87 $ 12,540,000 $ 144,000 $ 96,000
Ogemaw County Michigan 84 $ 6,009,000 $ 71,000 $ 53,000
Kalkaska County Michigan 81 $ 7,836,000 $ 96,000 $ 73,000
Antrim County Michigan 79 $ 15,806,000 $ 200,000 $ 182,000
Huron County Michigan 78 $ 6,084,000 $ 78,000 $ 88,000
Iosco County Michigan 75 $ 5,297,000 $ 70,000 $ 59,000
Branch County Michigan 74 $ 8,764,000 $ 118,000 $ 75,000
Newaygo County Michigan 68 $ 9,134,000 $ 134,000 $ 79,000
Benzie County Michigan 66 $ 11,780,000 $ 178,000 $ 121,000
Crawford County Michigan 66 $ 6,364,000 $ 96,000 $ 87,000
Macomb County Michigan 64 $ 12,817,000 $ 200,000 $ 96,000
Isabella County Michigan 58 $ 5,315,000 $ 91,000 $ 67,000
Manistee County Michigan 55 $ 8,734,000 $ 158,000 $ 83,000
Gratiot County Michigan 54 $ 4,289,000 $ 79,000 $ 62,000
Cheboygan County Michigan 51 $ 8,688,000 $ 170,000 $ 133,000
Alpena County Michigan 47 $ 5,036,000 $ 107,000 $ 70,000
Hillsdale County Michigan 46 $ 2,945,000 $ 64,000 $ 58,000
St. Clair County Michigan 46 $ 6,852,000 $ 148,000 $ 102,000
Arenac County Michigan 44 $ 2,887,000 $ 65,000 $ 53,000
Marion County Indiana 41 $ 2,963,000 $ 72,000 $ 119,000
Muskegon County Michigan 41 $ 9,474,000 $ 231,000 $ 104,000
Cuyahoga County Ohio 38 $ 5,508,000 $ 144,000 $ 142,000
Sanilac County Michigan 34 $ 2,111,000 $ 62,000 $ 54,000
Presque Isle County Michigan 33 $ 2,329,000 $ 70,000 $ 76,000
Jackson County Missouri 32 $ 2,167,000 $ 67,000 $ 121,000
Butler County Ohio 31 $ 3,550,000 $ 114,000 $ 97,000
Trumbull County Ohio 29 $ 2,849,000 $ 98,000 $ 54,000
Clinton County Michigan 28 $ 3,233,000 $ 115,000 $ 74,000
Lake County Michigan 28 $ 3,175,000 $ 113,000 $ 94,000
Livingston County Michigan 28 $ 8,209,000 $ 293,000 $ 170,000
Washtenaw County Michigan 26 $ 5,570,000 $ 214,000 $ 87,000
Montgomery County Ohio 26 $ 6,505,000 $ 250,000 $ 226,000
Ionia County Michigan 24 $ 2,183,000 $ 90,000 $ 64,000
Ingham County Michigan 23 $ 12,506,000 $ 543,000 $ 284,000
Mahoning County Ohio 23 $ 2,416,000 $ 105,000 $ 65,000
Warren County Ohio 21 $ 5,173,000 $ 246,000 $ 144,000
Oceana County Michigan 20 $ 3,166,000 $ 158,000 $ 124,000
Alcona County Michigan 18 $ 2,069,000 $ 114,000 $ 81,000
Lapeer County Michigan 18 $ 2,212,000 $ 122,000 $ 82,000
Montmorency County Michigan 18 $ 1,613,000 $ 89,000 $ 67,000
Lorain County Ohio 18 $ 2,923,000 $ 162,000 $ 76,000
Greene County Ohio 15 $ 3,170,000 $ 211,000 $ 120,000
Jefferson County Alabama 14 $ 872,000 $ 62,000 $ 123,000
Oscoda County Michigan 14 $ 1,188,000 $ 84,000 $ 59,000
Franklin County Ohio 14 $ 2,615,000 $ 186,000 $ 102,000
Eaton County Michigan 13 $ 5,206,000 $ 400,000 $ 79,000
Cook County Illinois 11 $ 5,102,000 $ 463,000 $ 247,000
St. Joseph County Indiana 11 $ 1,990,000 $ 180,000 $ 101,000
Clermont County Ohio 10 $ 2,855,000 $ 285,000 $ 135,000
Jackson County Michigan 9 $ 608,000 $ 67,000 $ 44,000
Summit County Ohio 9 $ 2,206,000 $ 245,000 $ 78,000
Campbell County Kentucky 8 $ 1,281,000 $ 160,000 $ 88,000
Collier County Florida 7 $ 3,674,000 $ 524,000 $ 666,000
Elkhart County Indiana 7 $ 1,007,000 $ 143,000 $ 50,000
Mackinac County Michigan 7 $ 3,790,000 $ 541,000 $ 165,000
St. Joseph County Michigan 7 $ 1,926,000 $ 275,000 $ 155,000
Medina County Ohio 7 $ 974,000 $ 139,000 $ 79,000
Allen County Indiana 6 $ 1,570,000 $ 261,000 $ 124,000
Lake County Indiana 6 $ 475,000 $ 79,000 $ 111,000
Montgomery County Maryland 6 $ 2,284,000 $ 380,000 $ 182,000
Stark County Ohio 6 $ 1,126,000 $ 187,000 $ 100,000
Sarasota County Florida 5 $ 2,281,000 $ 456,000 $ 261,000
Boone County Kentucky 5 $ 1,061,000 $ 212,000 $ 97,000
Kenton County Kentucky 5 $ 1,162,000 $ 232,000 $ 210,000
Monroe County Michigan 5 $ 1,132,000 $ 226,000 $ 82,000
Lucas County Ohio 5 $ 898,000 $ 179,000 $ 120,000
Portage County Ohio 5 $ 546,000 $ 109,000 $ 74,000
Shelby County Tennessee 5 $ 325,000 $ 65,000 $ 88,000
Volusia County Florida 4 $ 371,000 $ 92,000 $ 141,000
Chippewa County Michigan 4 $ 407,000 $ 101,000 $ 92,000
Delaware County Ohio 4 $ 1,090,000 $ 272,000 $ 140,000
Hillsborough County Florida 3 $ 1,428,000 $ 476,000 $ 151,000
Johnson County Indiana 3 $ 260,000 $ 86,000 $ 390,000
Steuben County Indiana 3 $ 1,301,000 $ 433,000 $ 238,000
Columbiana County Ohio 3 $ 22,704,000 $ 7,568,000 $ 44,000
Wood County Ohio 3 $ 712,000 $ 237,000 $ 131,000
Alameda County California 2 $ 966,000 $ 483,000 $ 111,000
Manatee County Florida 2 $ 605,000 $ 302,000 $ 394,000
Osceola County Florida 2 $ 294,000 $ 147,000 $ 332,000
Palm Beach County Florida 2 $ 752,000 $ 376,000 $ 94,000
Dearborn County Indiana 2 $ 464,000 $ 232,000 $ 142,000
Hamilton County Indiana 2 $ 345,000 $ 172,000 $ 193,000
LaPorte County Indiana 2 $ 2,421,000 $ 1,210,000 $ 518,000
Porter County Indiana 2 $ 193,000 $ 96,000 $ 51,000
Fayette County Kentucky 2 $ 410,000 $ 205,000 $ 59,000
Jefferson County Kentucky 2 $ 285,000 $ 142,000 $ 145,000
Alger County Michigan 2 $ 365,000 $ 182,000 $ 417,000
Lenawee County Michigan 2 $ 121,000 $ 60,000 $ 75,000
Platte County Missouri 2 $ 296,000 $ 148,000 $ 220,000
Auglaize County Ohio 2 $ 588,000 $ 294,000 $ 77,000
Brown County Ohio 2 $ 455,000 $ 227,000 $ 263,000
Lake County Ohio 2 $ 276,000 $ 138,000 $ 84,000
Union County Ohio 2 $ 425,000 $ 212,000 $ 124,000
Wayne County Ohio 2 $ 198,000 $ 99,000 $ 54,000
Marion County Tennessee 2 $ 433,000 $ 216,000 $ 101,000
Alexandria County Virginia 2 $ 771,000 $ 385,000 $ 125,000
Milwaukee County Wisconsin 2 $ 364,000 $ 182,000 $ 137,000
Montgomery County Alabama 1 $ 68,000 $ 68,000 $ 29,000
Pinal County Arizona 1 $ 194,000 $ 194,000 $ 302,000
Eagle County Colorado 1 $ 1,888,000 $ 1,888,000 $ 350,000
Grand County Colorado 1 $ 500,000 $ 500,000 $ 640,000
Jefferson County Colorado 1 $ 202,000 $ 202,000 $ 128,000
Sussex County Delaware 1 $ 400,000 $ 400,000 $ 195,000
District of Columbia County District Of Columbia 1 $ 700,000 $ 700,000 $ 211,000
Citrus County Florida 1 $ 276,000 $ 276,000 $ 130,000
Duval County Florida 1 $ 75,000 $ 75,000 $ 110,000
Escambia County Florida 1 $ 150,000 $ 150,000 $ 0
Highlands County Florida 1 $ 76,000 $ 76,000 $ 46,000
Lee County Florida 1 $ 550,000 $ 550,000 $ 300,000
Miami-Dade County Florida 1 $ 1,943,000 $ 1,943,000 $ 450,000
Polk County Florida 1 $ 115,000 $ 115,000 $ 277,000
Boone County Indiana 1 $ 108,000 $ 108,000 $ 269,000
LaGrange County Indiana 1 $ 132,000 $ 132,000 $ 68,000
Putnam County Indiana 1 $ 45,000 $ 45,000 $ 94,000
Warrick County Indiana 1 $ 500,000 $ 500,000 $ 199,000
Wells County Indiana 1 $ 154,000 $ 154,000 $ 38,000
Whitley County Indiana 1 $ 207,000 $ 207,000 $ 74,000
Frederick County Maryland 1 $ 490,000 $ 490,000 $ 160,000
Howard County Maryland 1 $ 809,000 $ 809,000 $ 204,000
Prince George's County Maryland 1 $ 303,000 $ 303,000 $ 313,000
Schoolcraft County Michigan 1 $ 71,000 $ 71,000 $ 58,000
St. Louis County Missouri 1 $ 72,000 $ 72,000 $ 105,000
St. Louis City County Missouri 1 $ 119,000 $ 119,000 $ 39,000
Clark County Nevada 1 $ 523,000 $ 523,000 $ 187,000
Richmond County New York 1 $ 385,000 $ 385,000 $ 74,000
Mecklenburg County North Carolina 1 $ 64,000 $ 64,000 $ 100,000
Yancey County North Carolina 1 $ 9,000 $ 9,000 $ 14,000
Geauga County Ohio 1 $ 80,000 $ 80,000 $ 53,000
Knox County Ohio 1 $ 233,000 $ 233,000 $ 82,000
Licking County Ohio 1 $ 294,000 $ 294,000 $ 182,000
Marion County Ohio 1 $ 193,000 $ 193,000 $ 239,000
Ross County Ohio 1 $ 388,000 $ 388,000 $ 179,000
Clarion County Pennsylvania 1 $ 231,000 $ 231,000 $ 80,000
Lawrence County Pennsylvania 1 $ 417,000 $ 417,000 $ 780,000
Northampton County Pennsylvania 1 $ 417,000 $ 417,000 $ 104,000
Campbell County Tennessee 1 $ 333,000 $ 333,000 $ 231,000
Chesterfield County Virginia 1 $ 276,000 $ 276,000 $ 76,000
Fairfax County Virginia 1 $ 482,000 $ 482,000 $ 200,000
Clark County Washington 1 $ 376,000 $ 376,000 $ 187,000
San Juan County Washington 1 $ 640,000 $ 640,000 $ 40,000
Green County Wisconsin 1 $ 127,000 $ 127,000 $ 95,000
Sauk County Wisconsin 1 $ 800,000 $ 800,000 $ 1,023,000
Walworth County Wisconsin 1 $ 54,000 $ 54,000 $ 35,000

Mortgage Loan Application Detail Totals for Chemical Bank in 2016

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 3,775 $769,076,000 $203,000 $11,400,000 $112,000 $3,536,000
Refinancing 3,346 $595,483,000 $177,000 $22,500,000 $107,000 $2,803,000
Home Improvement 1,509 $118,066,000 $78,000 $7,300,000 $88,000 $3,783,000

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 7,313 $1,189,418,000 $162,000 $5,270,000 $109,000 $3,783,000
Not Provided 674 $78,077,000 $115,000 $1,450,000 $119,000 $2,500,000
Not applicable 210 $154,099,000 $733,000 $22,500,000 $0 $0
Hispanic 160 $18,039,000 $112,000 $846,000 $76,000 $505,000
Black or African American 117 $14,517,000 $124,000 $1,525,000 $80,000 $527,000
Asian 111 $22,185,000 $199,000 $1,138,000 $132,000 $639,000
American Indian or Alaskan Native 31 $3,482,000 $112,000 $600,000 $99,000 $711,000
Native Hawaiin or Other Pacific Islander 14 $2,808,000 $200,000 $748,000 $188,000 $500,000

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) 7,974 $1,405,007,000 $176,000 $22,500,000 $111,000 $3,783,000
FHA-insured (Federal Housing Administration) 380 $44,039,000 $115,000 $276,000 $51,000 $831,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 181 $17,704,000 $97,000 $220,000 $39,000 $89,000
VA-guaranteed (Veterans Administration) 95 $15,875,000 $167,000 $509,000 $65,000 $198,000

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 5,871 $1,109,027,000 $188,000 $22,500,000 $111,000 $3,783,000
Application Denied By Financial Institution 1,309 $129,514,000 $98,000 $2,500,000 $70,000 $1,401,000
Application Withdrawn By Applicant 803 $159,563,000 $198,000 $2,920,000 $130,000 $2,803,000
Application Approved But Not Accepted 431 $37,469,000 $86,000 $936,000 $98,000 $1,204,000
File Closed For Incompleteness 167 $40,371,000 $241,000 $3,100,000 $131,000 $868,000
Preapproval Denied by Financial Institution 49 $6,681,000 $136,000 $585,000 $103,000 $2,766,000
Loan Purchased By The Institution 0 $0 $0 $0 $0 $0
Preapproval Approved but not Accepted 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
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 2016 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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