Credit Union One
HMDA Loan Application Totals
and Mortgage Lending Details
for 2019
Credit Union One 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 | Credit Union One 400 E Nine Mile Rd Ferndale, MI 48220 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 | 2,248 |
| Total Mortgage Loan Application Amount | $273,830,000 |
| Average Mortgage Loan Application Amount | $110,600 |
| Highest Mortgage Loan Application Amount | $1,005,000 |
| Average Applicant Income | $95,600 |
| Highest Applicant Income | $2,124,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2019 with Credit Union One. 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 Credit Union One's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2019 breaks down Credit Union One'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 Credit Union One serves its applicants.
Each category highlights the total number of mortgage applications processed by Credit Union One, 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 Credit Union One'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 |
|---|---|---|---|---|
| Oakland County Michigan | 550 | $ 75,680,000 | $ 137,000 | $ 111,000 |
| Macomb County Michigan | 501 | $ 53,955,000 | $ 107,000 | $ 86,000 |
| Wayne County Michigan | 471 | $ 48,735,000 | $ 103,000 | $ 90,000 |
| Kent County Michigan | 137 | $ 14,405,000 | $ 105,000 | $ 81,000 |
| Grand Traverse County Michigan | 119 | $ 14,375,000 | $ 120,000 | $ 82,000 |
| Washtenaw County Michigan | 49 | $ 10,005,000 | $ 204,000 | $ 144,000 |
| Livingston County Michigan | 41 | $ 7,755,000 | $ 189,000 | $ 133,000 |
| Genesee County Michigan | 24 | $ 2,850,000 | $ 118,000 | $ 82,000 |
| Lapeer County Michigan | 23 | $ 2,955,000 | $ 128,000 | $ 113,000 |
| St. Clair County Michigan | 23 | $ 2,275,000 | $ 98,000 | $ 90,000 |
| Ottawa County Michigan | 18 | $ 2,380,000 | $ 132,000 | $ 83,000 |
| Leelanau County Michigan | 15 | $ 1,855,000 | $ 123,000 | $ 78,000 |
| Antrim County Michigan | 13 | $ 1,325,000 | $ 101,000 | $ 74,000 |
| Bay County Michigan | 12 | $ 1,000,000 | $ 83,000 | $ 88,000 |
| Midland County Michigan | 12 | $ 2,060,000 | $ 171,000 | $ 172,000 |
| Benzie County Michigan | 11 | $ 1,525,000 | $ 138,000 | $ 87,000 |
| Jackson County Michigan | 11 | $ 1,895,000 | $ 172,000 | $ 179,000 |
| Ingham County Michigan | 10 | $ 1,430,000 | $ 143,000 | $ 104,000 |
| Wexford County Michigan | 10 | $ 1,250,000 | $ 125,000 | $ 72,000 |
| Muskegon County Michigan | 9 | $ 885,000 | $ 98,000 | $ 105,000 |
| Shiawassee County Michigan | 8 | $ 970,000 | $ 121,000 | $ 85,000 |
| Monroe County Michigan | 7 | $ 815,000 | $ 116,000 | $ 114,000 |
| Montcalm County Michigan | 7 | $ 905,000 | $ 129,000 | $ 85,000 |
| Newaygo County Michigan | 7 | $ 565,000 | $ 80,000 | $ 56,000 |
| Gladwin County Michigan | 6 | $ 400,000 | $ 66,000 | $ 125,000 |
| Isabella County Michigan | 6 | $ 380,000 | $ 63,000 | $ 77,000 |
| Kalamazoo County Michigan | 6 | $ 710,000 | $ 118,000 | $ 130,000 |
| Lenawee County Michigan | 6 | $ 980,000 | $ 163,000 | $ 87,000 |
| Mason County Michigan | 6 | $ 950,000 | $ 158,000 | $ 117,000 |
| Sanilac County Michigan | 6 | $ 750,000 | $ 125,000 | $ 121,000 |
| Allegan County Michigan | 5 | $ 275,000 | $ 55,000 | $ 73,000 |
| Clare County Michigan | 5 | $ 545,000 | $ 109,000 | $ 71,000 |
| Ionia County Michigan | 5 | $ 555,000 | $ 111,000 | $ 73,000 |
| Kalkaska County Michigan | 5 | $ 355,000 | $ 71,000 | $ 37,000 |
| Marquette County Michigan | 5 | $ 515,000 | $ 103,000 | $ 82,000 |
| Mecosta County Michigan | 5 | $ 635,000 | $ 127,000 | $ 87,000 |
| Otsego County Michigan | 5 | $ 1,055,000 | $ 211,000 | $ 148,000 |
| Roscommon County Michigan | 5 | $ 325,000 | $ 65,000 | $ 71,000 |
| Charlevoix County Michigan | 4 | $ 890,000 | $ 222,000 | $ 240,000 |
| Saginaw County Michigan | 4 | $ 440,000 | $ 110,000 | $ 108,000 |
| Barry County Michigan | 3 | $ 535,000 | $ 178,000 | $ 95,000 |
| Clinton County Michigan | 3 | $ 725,000 | $ 241,000 | $ 203,000 |
| Eaton County Michigan | 3 | $ 895,000 | $ 298,000 | $ 142,000 |
| Emmet County Michigan | 3 | $ 555,000 | $ 185,000 | $ 100,000 |
| Iosco County Michigan | 3 | $ 175,000 | $ 58,000 | $ 131,000 |
| Tuscola County Michigan | 3 | $ 95,000 | $ 31,000 | $ 65,000 |
| Cuyahoga County Ohio | 3 | $ 285,000 | $ 95,000 | $ 122,000 |
| Lake County Ohio | 3 | $ 415,000 | $ 138,000 | $ 144,000 |
| Ottawa County Ohio | 3 | $ 415,000 | $ 138,000 | $ 127,000 |
| Alger County Michigan | 2 | $ 160,000 | $ 80,000 | $ 96,000 |
| Chippewa County Michigan | 2 | $ 410,000 | $ 205,000 | $ 250,000 |
| Delta County Michigan | 2 | $ 320,000 | $ 160,000 | $ 140,000 |
| Manistee County Michigan | 2 | $ 160,000 | $ 80,000 | $ 61,000 |
| Montmorency County Michigan | 2 | $ 300,000 | $ 150,000 | $ 86,000 |
| Lucas County Ohio | 2 | $ 510,000 | $ 255,000 | $ 161,000 |
| Wood County Ohio | 2 | $ 290,000 | $ 145,000 | $ 80,000 |
| Riverside County California | 1 | $ 455,000 | $ 455,000 | $ 163,000 |
| Charlotte County Florida | 1 | $ 185,000 | $ 185,000 | $ 48,000 |
| Cherokee County Georgia | 1 | $ 155,000 | $ 155,000 | $ 120,000 |
| Columbia County Georgia | 1 | $ 215,000 | $ 215,000 | $ 261,000 |
| Cook County Illinois | 1 | $ 255,000 | $ 255,000 | $ 83,000 |
| Elkhart County Indiana | 1 | $ 135,000 | $ 135,000 | $ 42,000 |
| Alcona County Michigan | 1 | $ 105,000 | $ 105,000 | $ 195,000 |
| Alpena County Michigan | 1 | $ 145,000 | $ 145,000 | $ 148,000 |
| Berrien County Michigan | 1 | $ 175,000 | $ 175,000 | $ 60,000 |
| Calhoun County Michigan | 1 | $ 345,000 | $ 345,000 | $ 146,000 |
| Cheboygan County Michigan | 1 | $ 215,000 | $ 215,000 | $ 234,000 |
| Crawford County Michigan | 1 | $ 175,000 | $ 175,000 | $ 202,000 |
| Gratiot County Michigan | 1 | $ 25,000 | $ 25,000 | $ 20,000 |
| Hillsdale County Michigan | 1 | $ 175,000 | $ 175,000 | $ 97,000 |
| Luce County Michigan | 1 | $ 75,000 | $ 75,000 | $ 29,000 |
| Menominee County Michigan | 1 | $ 105,000 | $ 105,000 | $ 248,000 |
| Osceola County Michigan | 1 | $ 105,000 | $ 105,000 | $ 71,000 |
| Ashtabula County Ohio | 1 | $ 75,000 | $ 75,000 | $ 134,000 |
| Clermont County Ohio | 1 | $ 315,000 | $ 315,000 | $ 173,000 |
| Henry County Ohio | 1 | $ 135,000 | $ 135,000 | $ 284,000 |
| Lorain County Ohio | 1 | $ 415,000 | $ 415,000 | $ 366,000 |
| Portage County Ohio | 1 | $ 135,000 | $ 135,000 | $ 48,000 |
| Wayne County Ohio | 1 | $ 95,000 | $ 95,000 | $ 82,000 |
| Knox County Tennessee | 1 | $ 55,000 | $ 55,000 | $ 41,000 |
| Door County Wisconsin | 1 | $ 235,000 | $ 235,000 | $ 55,000 |
Mortgage Loan Application Detail Totals for Credit Union One 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 |
|---|---|---|---|---|---|---|
| Cash-out Refinancing | 682 | $97,900,000 | $143,000 | $755,000 | $100,000 | $1,701,000 |
| Refinancing | 515 | $81,975,000 | $159,000 | $755,000 | $110,000 | $700,000 |
| Home Purchase | 397 | $66,385,000 | $167,000 | $1,005,000 | $100,000 | $2,124,000 |
| Home Improvement | 349 | $14,075,000 | $40,000 | $245,000 | $83,000 | $396,000 |
| Other Purpose | 305 | $13,495,000 | $44,000 | $545,000 | $85,000 | $459,000 |
| 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 | 1,726 | $215,600,000 | $124,000 | $1,005,000 | $97,000 | $2,124,000 |
| Black or African American | 186 | $18,610,000 | $100,000 | $545,000 | $86,000 | $771,000 |
| Not Provided | 132 | $14,950,000 | $113,000 | $575,000 | $110,000 | $744,000 |
| Hispanic | 109 | $10,045,000 | $92,000 | $485,000 | $78,000 | $360,000 |
| Asian | 63 | $9,615,000 | $152,000 | $755,000 | $154,000 | $1,701,000 |
| American Indian or Alaskan Native | 16 | $1,560,000 | $97,000 | $415,000 | $73,000 | $366,000 |
| Not applicable | 4 | $1,120,000 | $280,000 | $415,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 1 | $55,000 | $55,000 | $55,000 | $125,000 | $125,000 |
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) | 2,232 | $271,560,000 | $121,000 | $1,005,000 | $98,000 | $2,124,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 10 | $1,090,000 | $109,000 | $275,000 | $33,000 | $57,000 |
| FHA-insured (Federal Housing Administration) | 5 | $1,045,000 | $209,000 | $315,000 | $90,000 | $142,000 |
| VA-guaranteed (Veterans Administration) | 1 | $135,000 | $135,000 | $135,000 | $57,000 | $57,000 |
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 | 1,346 | $174,780,000 | $129,000 | $1,005,000 | $106,000 | $2,124,000 |
| Application Denied By Financial Institution | 369 | $33,915,000 | $91,000 | $755,000 | $66,000 | $353,000 |
| Application Withdrawn By Applicant | 226 | $30,570,000 | $135,000 | $525,000 | $102,000 | $700,000 |
| Application Approved But Not Accepted | 175 | $13,035,000 | $74,000 | $505,000 | $86,000 | $392,000 |
| File Closed For Incompleteness | 131 | $21,425,000 | $163,000 | $605,000 | $111,000 | $744,000 |
| Loan Purchased By The Institution | 1 | $105,000 | $105,000 | $105,000 | $85,000 | $85,000 |
| 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 | 1,879 | $239,915,000 | $127,000 | $1,005,000 | $104,000 | $2,124,000 |
| Credit History | 128 | $11,810,000 | $92,000 | $565,000 | $63,000 | $308,000 |
| Debt-To-Income Ratio | 97 | $9,865,000 | $101,000 | $755,000 | $56,000 | $167,000 |
| Other | 90 | $5,360,000 | $59,000 | $525,000 | $65,000 | $353,000 |
| Collateral | 25 | $1,755,000 | $70,000 | $255,000 | $71,000 | $215,000 |
| Credit Application Incomplete | 18 | $3,710,000 | $206,000 | $545,000 | $114,000 | $262,000 |
| Employment History | 6 | $620,000 | $103,000 | $305,000 | $105,000 | $170,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $685,000 | $228,000 | $275,000 | $92,000 | $149,000 |
| Unverifiable Information | 2 | $110,000 | $55,000 | $85,000 | $36,000 | $42,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Credit Union One'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 Credit Union One'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.