Consumers Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2019
Consumers Credit Union 2019 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 | Consumers Credit Union Po Box 525 Kalamazoo, MI 49077 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 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 | 3,191 |
| Total Mortgage Loan Application Amount | $396,745,000 |
| Average Mortgage Loan Application Amount | $105,800 |
| Highest Mortgage Loan Application Amount | $1,205,000 |
| Average Applicant Income | $96,600 |
| Highest Applicant Income | $1,632,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2019 with Consumers Credit Union. 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 Consumers Credit Union's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2019 breaks down Consumers Credit Union'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 Consumers Credit Union serves its applicants.
Each category highlights the total number of mortgage applications processed by Consumers Credit Union, 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 Consumers Credit Union's mortgage activity for 2019.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Kalamazoo County Michigan | 1,139 | $ 139,145,000 | $ 122,000 | $ 91,000 |
| Kent County Michigan | 506 | $ 70,740,000 | $ 139,000 | $ 105,000 |
| Ottawa County Michigan | 394 | $ 56,370,000 | $ 143,000 | $ 85,000 |
| Van Buren County Michigan | 367 | $ 36,705,000 | $ 100,000 | $ 84,000 |
| Allegan County Michigan | 235 | $ 28,845,000 | $ 122,000 | $ 82,000 |
| Branch County Michigan | 119 | $ 11,085,000 | $ 93,000 | $ 67,000 |
| Calhoun County Michigan | 98 | $ 10,890,000 | $ 111,000 | $ 75,000 |
| Barry County Michigan | 76 | $ 11,240,000 | $ 147,000 | $ 100,000 |
| Berrien County Michigan | 38 | $ 4,740,000 | $ 124,000 | $ 90,000 |
| Ionia County Michigan | 31 | $ 4,095,000 | $ 132,000 | $ 76,000 |
| St. Joseph County Michigan | 29 | $ 3,635,000 | $ 125,000 | $ 93,000 |
| Muskegon County Michigan | 19 | $ 2,595,000 | $ 136,000 | $ 74,000 |
| Oakland County Michigan | 14 | $ 2,800,000 | $ 200,000 | $ 103,000 |
| Montcalm County Michigan | 12 | $ 1,470,000 | $ 122,000 | $ 67,000 |
| Hillsdale County Michigan | 11 | $ 925,000 | $ 84,000 | $ 76,000 |
| Eaton County Michigan | 8 | $ 900,000 | $ 112,000 | $ 80,000 |
| Mecosta County Michigan | 8 | $ 990,000 | $ 123,000 | $ 112,000 |
| Cass County Michigan | 7 | $ 305,000 | $ 43,000 | $ 73,000 |
| Genesee County Michigan | 5 | $ 705,000 | $ 141,000 | $ 89,000 |
| Ingham County Michigan | 5 | $ 635,000 | $ 127,000 | $ 167,000 |
| Jackson County Michigan | 5 | $ 345,000 | $ 69,000 | $ 100,000 |
| Newaygo County Michigan | 5 | $ 735,000 | $ 147,000 | $ 68,000 |
| Oceana County Michigan | 5 | $ 435,000 | $ 87,000 | $ 63,000 |
| Wayne County Michigan | 5 | $ 525,000 | $ 105,000 | $ 137,000 |
| Lake County Michigan | 4 | $ 340,000 | $ 85,000 | $ 133,000 |
| Grand Traverse County Michigan | 3 | $ 245,000 | $ 81,000 | $ 121,000 |
| Lake County Illinois | 2 | $ 370,000 | $ 185,000 | $ 57,000 |
| Steuben County Indiana | 2 | $ 320,000 | $ 160,000 | $ 68,000 |
| Charlevoix County Michigan | 2 | $ 270,000 | $ 135,000 | $ 90,000 |
| Clinton County Michigan | 2 | $ 550,000 | $ 275,000 | $ 82,000 |
| Leelanau County Michigan | 2 | $ 130,000 | $ 65,000 | $ 118,000 |
| Livingston County Michigan | 2 | $ 410,000 | $ 205,000 | $ 107,000 |
| Mason County Michigan | 2 | $ 120,000 | $ 60,000 | $ 100,000 |
| Missaukee County Michigan | 2 | $ 100,000 | $ 50,000 | $ 137,000 |
| Roscommon County Michigan | 2 | $ 230,000 | $ 115,000 | $ 64,000 |
| Saginaw County Michigan | 2 | $ 680,000 | $ 340,000 | $ 115,000 |
| Washtenaw County Michigan | 2 | $ 520,000 | $ 260,000 | $ 119,000 |
| Sacramento County California | 1 | $ 65,000 | $ 65,000 | $ 144,000 |
| Charlotte County Florida | 1 | $ 15,000 | $ 15,000 | $ 61,000 |
| Cook County Illinois | 1 | $ 55,000 | $ 55,000 | $ 258,000 |
| Kane County Illinois | 1 | $ 165,000 | $ 165,000 | $ 31,000 |
| McHenry County Illinois | 1 | $ 35,000 | $ 35,000 | $ 104,000 |
| DeKalb County Indiana | 1 | $ 85,000 | $ 85,000 | $ 65,000 |
| Hamilton County Indiana | 1 | $ 65,000 | $ 65,000 | $ 286,000 |
| Antrim County Michigan | 1 | $ 205,000 | $ 205,000 | $ 116,000 |
| Benzie County Michigan | 1 | $ 55,000 | $ 55,000 | $ 258,000 |
| Cheboygan County Michigan | 1 | $ 95,000 | $ 95,000 | $ 39,000 |
| Crawford County Michigan | 1 | $ 25,000 | $ 25,000 | $ 180,000 |
| Dickinson County Michigan | 1 | $ 25,000 | $ 25,000 | $ 38,000 |
| Lapeer County Michigan | 1 | $ 35,000 | $ 35,000 | $ 154,000 |
| Lenawee County Michigan | 1 | $ 55,000 | $ 55,000 | $ 33,000 |
| Monroe County Michigan | 1 | $ 105,000 | $ 105,000 | $ 70,000 |
| Osceola County Michigan | 1 | $ 45,000 | $ 45,000 | $ 16,000 |
| Presque Isle County Michigan | 1 | $ 95,000 | $ 95,000 | $ 116,000 |
| Shiawassee County Michigan | 1 | $ 245,000 | $ 245,000 | $ 248,000 |
| Wexford County Michigan | 1 | $ 25,000 | $ 25,000 | $ 27,000 |
| Dyer County Tennessee | 1 | $ 55,000 | $ 55,000 | $ 144,000 |
| Fairfax County Virginia | 1 | $ 55,000 | $ 55,000 | $ 130,000 |
Mortgage Loan Application Detail Totals for Consumers Credit Union in 2019
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 | 1,213 | $218,405,000 | $180,000 | $1,205,000 | $86,000 | $902,000 |
| Cash-out Refinancing | 738 | $68,130,000 | $92,000 | $655,000 | $86,000 | $1,632,000 |
| Home Improvement | 640 | $30,000,000 | $46,000 | $405,000 | $96,000 | $745,000 |
| Refinancing | 597 | $79,975,000 | $133,000 | $995,000 | $95,000 | $1,560,000 |
| Other Purpose | 3 | $235,000 | $78,000 | $185,000 | $120,000 | $160,000 |
| Not Applicable | 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 | 2,656 | $330,650,000 | $124,000 | $1,205,000 | $91,000 | $1,632,000 |
| Hispanic | 218 | $27,180,000 | $124,000 | $435,000 | $69,000 | $744,000 |
| Not Provided | 173 | $20,455,000 | $118,000 | $1,115,000 | $88,000 | $829,000 |
| Black or African American | 83 | $9,135,000 | $110,000 | $415,000 | $80,000 | $251,000 |
| Asian | 41 | $7,415,000 | $180,000 | $405,000 | $85,000 | $250,000 |
| American Indian or Alaskan Native | 8 | $960,000 | $120,000 | $345,000 | $105,000 | $216,000 |
| Not applicable | 7 | $495,000 | $70,000 | $155,000 | $189,000 | $288,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $185,000 | $185,000 | $185,000 | $59,000 | $59,000 |
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) | 3,059 | $373,815,000 | $122,000 | $1,205,000 | $90,000 | $1,632,000 |
| FHA-insured (Federal Housing Administration) | 111 | $18,295,000 | $164,000 | $325,000 | $66,000 | $222,000 |
| VA-guaranteed (Veterans Administration) | 19 | $4,355,000 | $229,000 | $595,000 | $91,000 | $198,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $280,000 | $140,000 | $155,000 | $45,000 | $48,000 |
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 | 2,116 | $280,970,000 | $132,000 | $965,000 | $90,000 | $660,000 |
| Application Withdrawn By Applicant | 673 | $90,625,000 | $134,000 | $1,205,000 | $97,000 | $1,632,000 |
| Application Denied By Financial Institution | 295 | $17,565,000 | $59,000 | $1,005,000 | $66,000 | $618,000 |
| Application Approved But Not Accepted | 58 | $3,150,000 | $54,000 | $245,000 | $104,000 | $727,000 |
| File Closed For Incompleteness | 42 | $3,330,000 | $79,000 | $365,000 | $100,000 | $468,000 |
| Preapproval Approved but not Accepted | 4 | $750,000 | $187,000 | $235,000 | $71,000 | $116,000 |
| Preapproval Denied by Financial Institution | 3 | $355,000 | $118,000 | $155,000 | $50,000 | $58,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 2,893 | $378,825,000 | $130,000 | $1,205,000 | $92,000 | $1,632,000 |
| Credit History | 140 | $8,670,000 | $61,000 | $1,005,000 | $61,000 | $618,000 |
| Debt-To-Income Ratio | 89 | $4,365,000 | $49,000 | $255,000 | $62,000 | $140,000 |
| Collateral | 55 | $3,265,000 | $59,000 | $305,000 | $86,000 | $276,000 |
| Employment History | 8 | $1,020,000 | $127,000 | $245,000 | $85,000 | $180,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $285,000 | $95,000 | $155,000 | $34,000 | $48,000 |
| Other | 2 | $80,000 | $40,000 | $45,000 | $86,000 | $166,000 |
| Unverifiable Information | 1 | $235,000 | $235,000 | $235,000 | $92,000 | $92,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Consumers Credit Union's 2019 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 Consumers Credit Union'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.