Consumers Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2022
Consumers Credit Union 2022 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 | 4,618 |
| Total Mortgage Loan Application Amount | $742,190,000 |
| Average Mortgage Loan Application Amount | $137,000 |
| Highest Mortgage Loan Application Amount | $1,605,000 |
| Average Applicant Income | $109,000 |
| Highest Applicant Income | $7,200,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2022 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 2022 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 2022.
| 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 | 1,400 | $ 212,620,000 | $ 151,000 | $ 109,000 |
| Kent County Michigan | 967 | $ 176,985,000 | $ 183,000 | $ 105,000 |
| Ottawa County Michigan | 544 | $ 93,640,000 | $ 172,000 | $ 108,000 |
| Van Buren County Michigan | 366 | $ 49,600,000 | $ 135,000 | $ 109,000 |
| Allegan County Michigan | 303 | $ 45,415,000 | $ 149,000 | $ 115,000 |
| Muskegon County Michigan | 135 | $ 19,945,000 | $ 147,000 | $ 84,000 |
| Calhoun County Michigan | 130 | $ 18,400,000 | $ 141,000 | $ 87,000 |
| Branch County Michigan | 107 | $ 10,785,000 | $ 100,000 | $ 95,000 |
| Barry County Michigan | 96 | $ 15,590,000 | $ 162,000 | $ 99,000 |
| St. Joseph County Michigan | 50 | $ 6,370,000 | $ 127,000 | $ 70,000 |
| Ionia County Michigan | 43 | $ 6,325,000 | $ 147,000 | $ 72,000 |
| Ingham County Michigan | 36 | $ 5,950,000 | $ 165,000 | $ 100,000 |
| Berrien County Michigan | 35 | $ 6,535,000 | $ 186,000 | $ 136,000 |
| Montcalm County Michigan | 34 | $ 6,360,000 | $ 187,000 | $ 107,000 |
| Newaygo County Michigan | 34 | $ 5,820,000 | $ 171,000 | $ 110,000 |
| Eaton County Michigan | 25 | $ 3,895,000 | $ 155,000 | $ 127,000 |
| Cass County Michigan | 21 | $ 2,645,000 | $ 125,000 | $ 88,000 |
| Grand Traverse County Michigan | 20 | $ 5,550,000 | $ 277,000 | $ 187,000 |
| Jackson County Michigan | 18 | $ 2,260,000 | $ 125,000 | $ 87,000 |
| Mecosta County Michigan | 17 | $ 2,865,000 | $ 168,000 | $ 109,000 |
| Hillsdale County Michigan | 16 | $ 2,000,000 | $ 125,000 | $ 89,000 |
| Oakland County Michigan | 16 | $ 3,780,000 | $ 236,000 | $ 127,000 |
| Wayne County Michigan | 15 | $ 3,565,000 | $ 237,000 | $ 155,000 |
| Mason County Michigan | 10 | $ 1,980,000 | $ 198,000 | $ 136,000 |
| Osceola County Michigan | 10 | $ 1,070,000 | $ 107,000 | $ 105,000 |
| Washtenaw County Michigan | 10 | $ 2,960,000 | $ 296,000 | $ 292,000 |
| Clinton County Michigan | 8 | $ 1,110,000 | $ 138,000 | $ 78,000 |
| Saginaw County Michigan | 8 | $ 1,180,000 | $ 147,000 | $ 130,000 |
| Lake County Michigan | 7 | $ 645,000 | $ 92,000 | $ 137,000 |
| Oceana County Michigan | 7 | $ 1,835,000 | $ 262,000 | $ 124,000 |
| Clare County Michigan | 6 | $ 800,000 | $ 133,000 | $ 88,000 |
| Livingston County Michigan | 6 | $ 1,340,000 | $ 223,000 | $ 155,000 |
| Genesee County Michigan | 5 | $ 405,000 | $ 81,000 | $ 99,000 |
| Gratiot County Michigan | 5 | $ 815,000 | $ 163,000 | $ 61,000 |
| Isabella County Michigan | 4 | $ 590,000 | $ 147,000 | $ 68,000 |
| Macomb County Michigan | 4 | $ 750,000 | $ 187,000 | $ 160,000 |
| Roscommon County Michigan | 4 | $ 720,000 | $ 180,000 | $ 116,000 |
| Alger County Michigan | 3 | $ 495,000 | $ 165,000 | $ 173,000 |
| Benzie County Michigan | 3 | $ 495,000 | $ 165,000 | $ 142,000 |
| Gladwin County Michigan | 3 | $ 805,000 | $ 268,000 | $ 106,000 |
| Lenawee County Michigan | 3 | $ 565,000 | $ 188,000 | $ 49,000 |
| Manistee County Michigan | 3 | $ 465,000 | $ 155,000 | $ 115,000 |
| Missaukee County Michigan | 3 | $ 645,000 | $ 215,000 | $ 213,000 |
| Otsego County Michigan | 3 | $ 395,000 | $ 131,000 | $ 65,000 |
| Palm Beach County Florida | 2 | $ 250,000 | $ 125,000 | $ 228,000 |
| Marion County Indiana | 2 | $ 570,000 | $ 285,000 | $ 288,000 |
| St. Joseph County Indiana | 2 | $ 400,000 | $ 200,000 | $ 196,000 |
| Charlevoix County Michigan | 2 | $ 520,000 | $ 260,000 | $ 92,000 |
| Cheboygan County Michigan | 2 | $ 230,000 | $ 115,000 | $ 156,000 |
| Chippewa County Michigan | 2 | $ 160,000 | $ 80,000 | $ 82,000 |
| Kalkaska County Michigan | 2 | $ 130,000 | $ 65,000 | $ 184,000 |
| Leelanau County Michigan | 2 | $ 410,000 | $ 205,000 | $ 490,000 |
| Mackinac County Michigan | 2 | $ 360,000 | $ 180,000 | $ 99,000 |
| Midland County Michigan | 2 | $ 320,000 | $ 160,000 | $ 114,000 |
| Monroe County Michigan | 2 | $ 280,000 | $ 140,000 | $ 47,000 |
| Shiawassee County Michigan | 2 | $ 400,000 | $ 200,000 | $ 23,000 |
| Tuscola County Michigan | 2 | $ 430,000 | $ 215,000 | $ 121,000 |
| Wexford County Michigan | 2 | $ 280,000 | $ 140,000 | $ 46,000 |
| Clark County Nevada | 2 | $ 490,000 | $ 245,000 | $ 450,000 |
| Wake County North Carolina | 2 | $ 930,000 | $ 465,000 | $ 110,000 |
| Lee County Alabama | 1 | $ 175,000 | $ 175,000 | $ 180,000 |
| Orange County California | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Sacramento County California | 1 | $ 5,000 | $ 5,000 | $ 0 |
| Santa Clara County California | 1 | $ 425,000 | $ 425,000 | $ 271,000 |
| Sutter County California | 1 | $ 475,000 | $ 475,000 | $ 118,000 |
| Denver County Colorado | 1 | $ 305,000 | $ 305,000 | $ 384,000 |
| Flagler County Florida | 1 | $ 285,000 | $ 285,000 | $ 210,000 |
| Hillsborough County Florida | 1 | $ 185,000 | $ 185,000 | $ 61,000 |
| Miami-Dade County Florida | 1 | $ 5,000 | $ 5,000 | $ 0 |
| Santa Rosa County Florida | 1 | $ 45,000 | $ 45,000 | $ 178,000 |
| Forsyth County Georgia | 1 | $ 645,000 | $ 645,000 | $ 2,496,000 |
| Lake County Illinois | 1 | $ 325,000 | $ 325,000 | $ 852,000 |
| Macon County Illinois | 1 | $ 195,000 | $ 195,000 | $ 132,000 |
| McHenry County Illinois | 1 | $ 505,000 | $ 505,000 | $ 140,000 |
| Hamilton County Indiana | 1 | $ 475,000 | $ 475,000 | $ 156,000 |
| Hancock County Indiana | 1 | $ 245,000 | $ 245,000 | $ 75,000 |
| LaGrange County Indiana | 1 | $ 135,000 | $ 135,000 | $ 32,000 |
| LaPorte County Indiana | 1 | $ 165,000 | $ 165,000 | $ 97,000 |
| Porter County Indiana | 1 | $ 505,000 | $ 505,000 | $ 140,000 |
| Steuben County Indiana | 1 | $ 55,000 | $ 55,000 | $ 52,000 |
| Kenton County Kentucky | 1 | $ 325,000 | $ 325,000 | $ 98,000 |
| Marshall County Kentucky | 1 | $ 85,000 | $ 85,000 | $ 50,000 |
| Alcona County Michigan | 1 | $ 95,000 | $ 95,000 | $ 230,000 |
| Bay County Michigan | 1 | $ 365,000 | $ 365,000 | $ 127,000 |
| Crawford County Michigan | 1 | $ 215,000 | $ 215,000 | $ 86,000 |
| Emmet County Michigan | 1 | $ 245,000 | $ 245,000 | $ 48,000 |
| Keweenaw County Michigan | 1 | $ 65,000 | $ 65,000 | $ 55,000 |
| Luce County Michigan | 1 | $ 45,000 | $ 45,000 | $ 26,000 |
| Marquette County Michigan | 1 | $ 215,000 | $ 215,000 | $ 80,000 |
| Montmorency County Michigan | 1 | $ 325,000 | $ 325,000 | $ 135,000 |
| Oscoda County Michigan | 1 | $ 55,000 | $ 55,000 | $ 44,000 |
| St. Clair County Michigan | 1 | $ 15,000 | $ 15,000 | $ 0 |
| Freeborn County Minnesota | 1 | $ 15,000 | $ 15,000 | $ 0 |
| Oktibbeha County Mississippi | 1 | $ 5,000 | $ 5,000 | $ 24,000 |
| Rankin County Mississippi | 1 | $ 155,000 | $ 155,000 | $ 83,000 |
| Broadwater County Montana | 1 | $ 105,000 | $ 105,000 | $ 280,000 |
| Gage County Nebraska | 1 | $ 325,000 | $ 325,000 | $ 145,000 |
| Schoharie County New York | 1 | $ 55,000 | $ 55,000 | $ 48,000 |
| Stark County Ohio | 1 | $ 65,000 | $ 65,000 | $ 180,000 |
| Philadelphia County Pennsylvania | 1 | $ 165,000 | $ 165,000 | $ 90,000 |
| Berkeley County South Carolina | 1 | $ 385,000 | $ 385,000 | $ 112,000 |
| Denton County Texas | 1 | $ 455,000 | $ 455,000 | $ 93,000 |
| Utah County Utah | 1 | $ 25,000 | $ 25,000 | $ 98,000 |
Mortgage Loan Application Detail Totals for Consumers Credit Union in 2022
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 | 1,964 | $465,420,000 | $236,000 | $1,605,000 | $111,000 | $3,220,000 |
| Refinancing | 1,403 | $140,345,000 | $100,000 | $1,075,000 | $99,000 | $1,740,000 |
| Cash-out Refinancing | 675 | $95,315,000 | $141,000 | $545,000 | $118,000 | $7,200,000 |
| Home Improvement | 576 | $41,110,000 | $71,000 | $395,000 | $108,000 | $813,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 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 | 3,337 | $535,235,000 | $160,000 | $1,605,000 | $105,000 | $1,589,000 |
| Not Provided | 714 | $109,620,000 | $153,000 | $1,375,000 | $129,000 | $7,200,000 |
| Hispanic | 313 | $51,055,000 | $163,000 | $1,395,000 | $90,000 | $3,220,000 |
| Black or African American | 131 | $19,565,000 | $149,000 | $1,065,000 | $98,000 | $650,000 |
| Asian | 95 | $21,835,000 | $229,000 | $855,000 | $142,000 | $2,496,000 |
| American Indian or Alaskan Native | 25 | $4,615,000 | $184,000 | $625,000 | $94,000 | $204,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 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) | 4,603 | $739,225,000 | $160,000 | $1,605,000 | $108,000 | $7,200,000 |
| FHA-insured (Federal Housing Administration) | 12 | $2,300,000 | $191,000 | $365,000 | $62,000 | $101,000 |
| VA-guaranteed (Veterans Administration) | 3 | $665,000 | $221,000 | $295,000 | $66,000 | $78,000 |
| 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 | 3,146 | $503,020,000 | $159,000 | $1,385,000 | $106,000 | $1,323,000 |
| Application Withdrawn By Applicant | 1,100 | $207,950,000 | $189,000 | $1,605,000 | $123,000 | $7,200,000 |
| Application Denied By Financial Institution | 339 | $26,635,000 | $78,000 | $545,000 | $74,000 | $569,000 |
| File Closed For Incompleteness | 21 | $3,255,000 | $155,000 | $455,000 | $112,000 | $308,000 |
| Application Approved But Not Accepted | 12 | $1,330,000 | $110,000 | $365,000 | $138,000 | $433,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 4,279 | $715,555,000 | $167,000 | $1,605,000 | $111,000 | $7,200,000 |
| Debt-To-Income Ratio | 173 | $11,885,000 | $68,000 | $325,000 | $69,000 | $569,000 |
| Credit History | 110 | $9,600,000 | $87,000 | $545,000 | $77,000 | $450,000 |
| Collateral | 40 | $3,430,000 | $85,000 | $405,000 | $80,000 | $295,000 |
| Unverifiable Information | 6 | $290,000 | $48,000 | $135,000 | $28,000 | $52,000 |
| Other | 3 | $865,000 | $288,000 | $425,000 | $248,000 | $384,000 |
| Employment History | 3 | $235,000 | $78,000 | $95,000 | $40,000 | $105,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $250,000 | $125,000 | $145,000 | $55,000 | $87,000 |
| Mortgage Insurance Denied | 1 | $35,000 | $35,000 | $35,000 | $88,000 | $88,000 |
| Credit Application Incomplete | 1 | $45,000 | $45,000 | $45,000 | $96,000 | $96,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Consumers Credit Union's 2022 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.
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with aggregated HMDA statistics today.