Lake Michigan Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2010
Lake Michigan Credit Union 2010 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 | Lake Michigan Credit Union Po Box 2848 Caledonia, MI 49501 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 | 10,763 |
| Total Mortgage Loan Application Amount | $1,722,837,000 |
| Average Mortgage Loan Application Amount | $115,666 |
| Highest Mortgage Loan Application Amount | $1,760,000 |
| Average Applicant Income | $89,333 |
| Highest Applicant Income | $2,984,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2010 with Lake Michigan 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 Lake Michigan Credit Union's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2010 breaks down Lake Michigan 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 Lake Michigan Credit Union serves its applicants.
Each category highlights the total number of mortgage applications processed by Lake Michigan 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 Lake Michigan Credit Union's mortgage activity for 2010.
| 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 | 4,016 | $ 536,812,000 | $ 133,000 | $ 83,000 |
| Ottawa County Michigan | 1,434 | $ 200,538,000 | $ 139,000 | $ 83,000 |
| Kalamazoo County Michigan | 321 | $ 49,169,000 | $ 153,000 | $ 93,000 |
| Franklin County Ohio | 298 | $ 58,330,000 | $ 195,000 | $ 118,000 |
| Allegan County Michigan | 278 | $ 43,007,000 | $ 154,000 | $ 95,000 |
| Oakland County Michigan | 178 | $ 36,046,000 | $ 202,000 | $ 136,000 |
| Waukesha County Wisconsin | 178 | $ 43,598,000 | $ 244,000 | $ 120,000 |
| Milwaukee County Wisconsin | 164 | $ 28,657,000 | $ 174,000 | $ 110,000 |
| Barry County Michigan | 140 | $ 19,365,000 | $ 138,000 | $ 77,000 |
| Montgomery County Pennsylvania | 117 | $ 29,118,000 | $ 248,000 | $ 117,000 |
| Delaware County Pennsylvania | 112 | $ 26,297,000 | $ 234,000 | $ 130,000 |
| Wayne County Michigan | 108 | $ 18,932,000 | $ 175,000 | $ 113,000 |
| Muskegon County Michigan | 106 | $ 14,829,000 | $ 139,000 | $ 105,000 |
| Berrien County Michigan | 102 | $ 18,864,000 | $ 184,000 | $ 154,000 |
| Cuyahoga County Ohio | 85 | $ 18,566,000 | $ 218,000 | $ 160,000 |
| Chester County Pennsylvania | 76 | $ 17,942,000 | $ 236,000 | $ 96,000 |
| Van Buren County Michigan | 75 | $ 12,312,000 | $ 164,000 | $ 97,000 |
| Philadelphia County Pennsylvania | 74 | $ 17,598,000 | $ 237,000 | $ 135,000 |
| Boone County Kentucky | 73 | $ 12,492,000 | $ 171,000 | $ 81,000 |
| Wake County North Carolina | 69 | $ 16,813,000 | $ 243,000 | $ 131,000 |
| Delaware County Ohio | 64 | $ 14,453,000 | $ 225,000 | $ 117,000 |
| Hamilton County Ohio | 63 | $ 12,847,000 | $ 203,000 | $ 112,000 |
| Macomb County Michigan | 62 | $ 8,418,000 | $ 135,000 | $ 94,000 |
| Campbell County Kentucky | 61 | $ 10,711,000 | $ 175,000 | $ 80,000 |
| Newaygo County Michigan | 61 | $ 7,309,000 | $ 119,000 | $ 82,000 |
| Shelby County Tennessee | 59 | $ 13,110,000 | $ 222,000 | $ 168,000 |
| Montcalm County Michigan | 52 | $ 5,267,000 | $ 101,000 | $ 85,000 |
| Kenton County Kentucky | 51 | $ 7,334,000 | $ 143,000 | $ 76,000 |
| Bucks County Pennsylvania | 50 | $ 11,486,000 | $ 229,000 | $ 113,000 |
| Washtenaw County Michigan | 49 | $ 8,964,000 | $ 182,000 | $ 110,000 |
| Washington County Tennessee | 48 | $ 9,615,000 | $ 200,000 | $ 124,000 |
| Fairfax County Virginia | 45 | $ 20,952,000 | $ 465,000 | $ 209,000 |
| Luzerne County Pennsylvania | 44 | $ 6,409,000 | $ 145,000 | $ 87,000 |
| Warren County Ohio | 43 | $ 7,537,000 | $ 175,000 | $ 87,000 |
| Ingham County Michigan | 42 | $ 6,752,000 | $ 160,000 | $ 114,000 |
| Aiken County South Carolina | 42 | $ 7,697,000 | $ 183,000 | $ 97,000 |
| Clermont County Ohio | 40 | $ 7,001,000 | $ 175,000 | $ 85,000 |
| York County Pennsylvania | 40 | $ 5,620,000 | $ 140,000 | $ 65,000 |
| Dane County Wisconsin | 38 | $ 8,750,000 | $ 230,000 | $ 128,000 |
| Ionia County Michigan | 37 | $ 4,296,000 | $ 116,000 | $ 75,000 |
| Washington County Wisconsin | 36 | $ 7,713,000 | $ 214,000 | $ 90,000 |
| Livingston County Michigan | 33 | $ 7,454,000 | $ 225,000 | $ 115,000 |
| Hamilton County Indiana | 32 | $ 7,620,000 | $ 238,000 | $ 116,000 |
| Marion County Indiana | 31 | $ 4,116,000 | $ 132,000 | $ 99,000 |
| Oceana County Michigan | 29 | $ 6,707,000 | $ 231,000 | $ 204,000 |
| Montgomery County Maryland | 28 | $ 14,307,000 | $ 510,000 | $ 223,000 |
| Lake County Ohio | 28 | $ 4,909,000 | $ 175,000 | $ 89,000 |
| Lake County Michigan | 26 | $ 2,752,000 | $ 105,000 | $ 111,000 |
| Butler County Ohio | 26 | $ 5,236,000 | $ 201,000 | $ 80,000 |
| Stark County Ohio | 26 | $ 4,069,000 | $ 156,000 | $ 142,000 |
| St. Clair County Michigan | 25 | $ 3,375,000 | $ 135,000 | $ 76,000 |
| Saginaw County Michigan | 22 | $ 2,781,000 | $ 126,000 | $ 100,000 |
| Summit County Ohio | 22 | $ 4,606,000 | $ 209,000 | $ 112,000 |
| Mecosta County Michigan | 20 | $ 2,189,000 | $ 109,000 | $ 96,000 |
| Midland County Michigan | 20 | $ 2,915,000 | $ 145,000 | $ 110,000 |
| Mahoning County Ohio | 20 | $ 2,427,000 | $ 121,000 | $ 73,000 |
| Genesee County Michigan | 19 | $ 2,540,000 | $ 133,000 | $ 95,000 |
| Clinton County Michigan | 18 | $ 3,139,000 | $ 174,000 | $ 136,000 |
| Grand Traverse County Michigan | 18 | $ 3,768,000 | $ 209,000 | $ 160,000 |
| Leelanau County Michigan | 18 | $ 4,192,000 | $ 232,000 | $ 213,000 |
| Fairfield County Ohio | 18 | $ 2,944,000 | $ 163,000 | $ 87,000 |
| Racine County Wisconsin | 18 | $ 3,116,000 | $ 173,000 | $ 86,000 |
| Bay County Michigan | 17 | $ 1,839,000 | $ 108,000 | $ 72,000 |
| Jackson County Michigan | 17 | $ 2,990,000 | $ 175,000 | $ 85,000 |
| Charleston County South Carolina | 17 | $ 5,634,000 | $ 331,000 | $ 212,000 |
| Loudoun County Virginia | 17 | $ 7,094,000 | $ 417,000 | $ 194,000 |
| Wayne County Ohio | 16 | $ 1,993,000 | $ 124,000 | $ 66,000 |
| Huron County Michigan | 15 | $ 2,131,000 | $ 142,000 | $ 107,000 |
| Geauga County Ohio | 15 | $ 4,680,000 | $ 312,000 | $ 335,000 |
| Ozaukee County Wisconsin | 15 | $ 3,634,000 | $ 242,000 | $ 104,000 |
| Walworth County Wisconsin | 15 | $ 2,244,000 | $ 149,000 | $ 101,000 |
| Calhoun County Michigan | 14 | $ 1,765,000 | $ 126,000 | $ 73,000 |
| Mecklenburg County North Carolina | 14 | $ 2,748,000 | $ 196,000 | $ 250,000 |
| Wexford County Michigan | 13 | $ 1,900,000 | $ 146,000 | $ 118,000 |
| Lorain County Ohio | 13 | $ 2,991,000 | $ 230,000 | $ 103,000 |
| Cumberland County Pennsylvania | 13 | $ 2,524,000 | $ 194,000 | $ 121,000 |
| Antrim County Michigan | 12 | $ 1,911,000 | $ 159,000 | $ 222,000 |
| Charlevoix County Michigan | 12 | $ 2,385,000 | $ 198,000 | $ 189,000 |
| Mason County Michigan | 12 | $ 1,758,000 | $ 146,000 | $ 141,000 |
| Hennepin County Minnesota | 12 | $ 2,808,000 | $ 234,000 | $ 105,000 |
| Tuscola County Michigan | 11 | $ 1,296,000 | $ 117,000 | $ 65,000 |
| Dearborn County Indiana | 10 | $ 1,287,000 | $ 128,000 | $ 52,000 |
| St. Joseph County Michigan | 10 | $ 1,202,000 | $ 120,000 | $ 97,000 |
| Unicoi County Tennessee | 10 | $ 1,490,000 | $ 149,000 | $ 69,000 |
| Arlington County Virginia | 10 | $ 5,549,000 | $ 554,000 | $ 289,000 |
| Eaton County Michigan | 9 | $ 1,254,000 | $ 139,000 | $ 80,000 |
| Osceola County Michigan | 9 | $ 621,000 | $ 69,000 | $ 92,000 |
| Camden County New Jersey | 9 | $ 1,997,000 | $ 221,000 | $ 171,000 |
| Cape May County New Jersey | 9 | $ 2,855,000 | $ 317,000 | $ 181,000 |
| New Hanover County North Carolina | 9 | $ 1,459,000 | $ 162,000 | $ 86,000 |
| Licking County Ohio | 9 | $ 1,780,000 | $ 197,000 | $ 110,000 |
| Medina County Ohio | 9 | $ 3,051,000 | $ 339,000 | $ 129,000 |
| Trumbull County Ohio | 9 | $ 842,000 | $ 93,000 | $ 49,000 |
| Howard County Maryland | 8 | $ 2,508,000 | $ 313,000 | $ 156,000 |
| Atlantic County New Jersey | 8 | $ 1,923,000 | $ 240,000 | $ 169,000 |
| Berks County Pennsylvania | 8 | $ 1,444,000 | $ 180,000 | $ 74,000 |
| Lexington County South Carolina | 8 | $ 1,846,000 | $ 230,000 | $ 68,000 |
| Sullivan County Tennessee | 8 | $ 1,205,000 | $ 150,000 | $ 122,000 |
| Prince William County Virginia | 8 | $ 2,247,000 | $ 280,000 | $ 164,000 |
| Benzie County Michigan | 7 | $ 965,000 | $ 137,000 | $ 111,000 |
| Burlington County New Jersey | 7 | $ 1,531,000 | $ 218,000 | $ 253,000 |
| Madison County Ohio | 7 | $ 1,286,000 | $ 183,000 | $ 96,000 |
| Portage County Ohio | 7 | $ 1,625,000 | $ 232,000 | $ 90,000 |
| Alexandria County Virginia | 7 | $ 3,437,000 | $ 491,000 | $ 224,000 |
| Sheboygan County Wisconsin | 7 | $ 1,459,000 | $ 208,000 | $ 85,000 |
| Cook County Illinois | 6 | $ 1,778,000 | $ 296,000 | $ 127,000 |
| Hendricks County Indiana | 6 | $ 1,110,000 | $ 185,000 | $ 67,000 |
| Cheboygan County Michigan | 6 | $ 846,000 | $ 141,000 | $ 102,000 |
| Mackinac County Michigan | 6 | $ 1,112,000 | $ 185,000 | $ 179,000 |
| Missaukee County Michigan | 6 | $ 725,000 | $ 120,000 | $ 142,000 |
| Roscommon County Michigan | 6 | $ 1,045,000 | $ 174,000 | $ 117,000 |
| Carter County Tennessee | 6 | $ 786,000 | $ 131,000 | $ 48,000 |
| Boone County Indiana | 5 | $ 777,000 | $ 155,000 | $ 77,000 |
| Jefferson County Kentucky | 5 | $ 951,000 | $ 190,000 | $ 152,000 |
| Cass County Michigan | 5 | $ 1,111,000 | $ 222,000 | $ 136,000 |
| Emmet County Michigan | 5 | $ 1,227,000 | $ 245,000 | $ 131,000 |
| Manistee County Michigan | 5 | $ 937,000 | $ 187,000 | $ 167,000 |
| Monroe County Michigan | 5 | $ 956,000 | $ 191,000 | $ 128,000 |
| Buncombe County North Carolina | 5 | $ 1,143,000 | $ 228,000 | $ 80,000 |
| Guilford County North Carolina | 5 | $ 795,000 | $ 159,000 | $ 158,000 |
| Union County North Carolina | 5 | $ 1,869,000 | $ 373,000 | $ 290,000 |
| Lucas County Ohio | 5 | $ 317,000 | $ 63,000 | $ 110,000 |
| Montgomery County Ohio | 5 | $ 1,081,000 | $ 216,000 | $ 115,000 |
| Fayette County Kentucky | 4 | $ 727,000 | $ 181,000 | $ 115,000 |
| Baltimore County Maryland | 4 | $ 1,622,000 | $ 405,000 | $ 144,000 |
| Crawford County Michigan | 4 | $ 479,000 | $ 119,000 | $ 252,000 |
| Shiawassee County Michigan | 4 | $ 404,000 | $ 101,000 | $ 41,000 |
| Ramsey County Minnesota | 4 | $ 886,000 | $ 221,000 | $ 200,000 |
| Gloucester County New Jersey | 4 | $ 730,000 | $ 182,000 | $ 172,000 |
| Mercer County New Jersey | 4 | $ 960,000 | $ 240,000 | $ 140,000 |
| Johnston County North Carolina | 4 | $ 975,000 | $ 243,000 | $ 117,000 |
| Union County Ohio | 4 | $ 710,000 | $ 177,000 | $ 69,000 |
| Lancaster County Pennsylvania | 4 | $ 1,120,000 | $ 280,000 | $ 211,000 |
| Edgefield County South Carolina | 4 | $ 849,000 | $ 212,000 | $ 75,000 |
| Knox County Tennessee | 4 | $ 1,627,000 | $ 406,000 | $ 287,000 |
| Accomack County Virginia | 4 | $ 531,000 | $ 132,000 | $ 103,000 |
| Jefferson County Wisconsin | 4 | $ 467,000 | $ 116,000 | $ 84,000 |
| Rock County Wisconsin | 4 | $ 362,000 | $ 90,000 | $ 49,000 |
| Allen County Indiana | 3 | $ 222,000 | $ 74,000 | $ 84,000 |
| Hancock County Indiana | 3 | $ 451,000 | $ 150,000 | $ 91,000 |
| Prince George's County Maryland | 3 | $ 601,000 | $ 200,000 | $ 111,000 |
| Arenac County Michigan | 3 | $ 649,000 | $ 216,000 | $ 188,000 |
| Isabella County Michigan | 3 | $ 385,000 | $ 128,000 | $ 89,000 |
| Lenawee County Michigan | 3 | $ 367,000 | $ 122,000 | $ 62,000 |
| Cabarrus County North Carolina | 3 | $ 193,000 | $ 64,000 | $ 57,000 |
| Dare County North Carolina | 3 | $ 458,000 | $ 152,000 | $ 91,000 |
| Pasquotank County North Carolina | 3 | $ 416,000 | $ 138,000 | $ 61,000 |
| Knox County Ohio | 3 | $ 666,000 | $ 222,000 | $ 181,000 |
| Beaver County Pennsylvania | 3 | $ 410,000 | $ 136,000 | $ 78,000 |
| Dauphin County Pennsylvania | 3 | $ 463,000 | $ 154,000 | $ 51,000 |
| Lehigh County Pennsylvania | 3 | $ 631,000 | $ 210,000 | $ 124,000 |
| Monroe County Pennsylvania | 3 | $ 420,000 | $ 140,000 | $ 102,000 |
| Berkeley County South Carolina | 3 | $ 976,000 | $ 325,000 | $ 140,000 |
| Horry County South Carolina | 3 | $ 881,000 | $ 293,000 | $ 204,000 |
| Hamblen County Tennessee | 3 | $ 433,000 | $ 144,000 | $ 36,000 |
| Chesapeake County Virginia | 3 | $ 591,000 | $ 197,000 | $ 296,000 |
| Chesterfield County Virginia | 3 | $ 723,000 | $ 241,000 | $ 126,000 |
| Fond du Lac County Wisconsin | 3 | $ 662,000 | $ 220,000 | $ 333,000 |
| Kenosha County Wisconsin | 3 | $ 726,000 | $ 242,000 | $ 92,000 |
| Sauk County Wisconsin | 3 | $ 525,000 | $ 175,000 | $ 62,000 |
| Vilas County Wisconsin | 3 | $ 852,000 | $ 284,000 | $ 181,000 |
| DuPage County Illinois | 2 | $ 324,000 | $ 162,000 | $ 49,000 |
| McHenry County Illinois | 2 | $ 199,000 | $ 99,000 | $ 41,000 |
| Branch County Michigan | 2 | $ 231,000 | $ 115,000 | $ 72,000 |
| Gladwin County Michigan | 2 | $ 182,000 | $ 91,000 | $ 95,000 |
| Iosco County Michigan | 2 | $ 256,000 | $ 128,000 | $ 89,000 |
| Kalkaska County Michigan | 2 | $ 478,000 | $ 239,000 | $ 127,000 |
| Lapeer County Michigan | 2 | $ 328,000 | $ 164,000 | $ 112,000 |
| Marquette County Michigan | 2 | $ 292,000 | $ 146,000 | $ 58,000 |
| Otsego County Michigan | 2 | $ 289,000 | $ 144,000 | $ 70,000 |
| Sanilac County Michigan | 2 | $ 92,000 | $ 46,000 | $ 60,000 |
| Schoolcraft County Michigan | 2 | $ 350,000 | $ 175,000 | $ 258,000 |
| Scott County Minnesota | 2 | $ 559,000 | $ 279,000 | $ 152,000 |
| Sherburne County Minnesota | 2 | $ 245,000 | $ 122,000 | $ 112,000 |
| Wright County Minnesota | 2 | $ 266,000 | $ 133,000 | $ 77,000 |
| Middlesex County New Jersey | 2 | $ 423,000 | $ 211,000 | $ 67,000 |
| Monmouth County New Jersey | 2 | $ 796,000 | $ 398,000 | $ 170,000 |
| Brunswick County North Carolina | 2 | $ 270,000 | $ 135,000 | $ 130,000 |
| Currituck County North Carolina | 2 | $ 745,000 | $ 372,000 | $ 191,000 |
| Henderson County North Carolina | 2 | $ 248,000 | $ 124,000 | $ 55,000 |
| Pender County North Carolina | 2 | $ 557,000 | $ 278,000 | $ 78,000 |
| Pitt County North Carolina | 2 | $ 221,000 | $ 110,000 | $ 106,000 |
| Ashland County Ohio | 2 | $ 424,000 | $ 212,000 | $ 90,000 |
| Erie County Ohio | 2 | $ 397,000 | $ 198,000 | $ 95,000 |
| Huron County Ohio | 2 | $ 217,000 | $ 108,000 | $ 50,000 |
| Vinton County Ohio | 2 | $ 284,000 | $ 142,000 | $ 125,000 |
| Westmoreland County Pennsylvania | 2 | $ 271,000 | $ 135,000 | $ 73,000 |
| Dorchester County South Carolina | 2 | $ 417,000 | $ 208,000 | $ 70,000 |
| Newberry County South Carolina | 2 | $ 435,000 | $ 217,000 | $ 110,000 |
| Saluda County South Carolina | 2 | $ 283,000 | $ 141,000 | $ 134,000 |
| York County South Carolina | 2 | $ 326,000 | $ 163,000 | $ 118,000 |
| Loudon County Tennessee | 2 | $ 441,000 | $ 220,000 | $ 128,000 |
| Williamson County Tennessee | 2 | $ 583,000 | $ 291,000 | $ 70,000 |
| Norfolk County Virginia | 2 | $ 368,000 | $ 184,000 | $ 70,000 |
| Richmond City County Virginia | 2 | $ 330,000 | $ 165,000 | $ 118,000 |
| Suffolk County Virginia | 2 | $ 534,000 | $ 267,000 | $ 93,000 |
| Virginia Beach County Virginia | 2 | $ 600,000 | $ 300,000 | $ 114,000 |
| Brown County Wisconsin | 2 | $ 284,000 | $ 142,000 | $ 83,000 |
| Columbia County Wisconsin | 2 | $ 349,000 | $ 174,000 | $ 74,000 |
| Dodge County Wisconsin | 2 | $ 262,000 | $ 131,000 | $ 49,000 |
| Langlade County Wisconsin | 2 | $ 162,000 | $ 81,000 | $ 60,000 |
| Marinette County Wisconsin | 2 | $ 205,000 | $ 102,000 | $ 76,000 |
| Waupaca County Wisconsin | 2 | $ 227,000 | $ 113,000 | $ 93,000 |
| Kendall County Illinois | 1 | $ 176,000 | $ 176,000 | $ 69,000 |
| Delaware County Indiana | 1 | $ 111,000 | $ 111,000 | $ 0 |
| Franklin County Indiana | 1 | $ 142,000 | $ 142,000 | $ 172,000 |
| Morgan County Indiana | 1 | $ 228,000 | $ 228,000 | $ 148,000 |
| Shelby County Indiana | 1 | $ 144,000 | $ 144,000 | $ 50,000 |
| St. Joseph County Indiana | 1 | $ 83,000 | $ 83,000 | $ 65,000 |
| Grant County Kentucky | 1 | $ 111,000 | $ 111,000 | $ 49,000 |
| Anne Arundel County Maryland | 1 | $ 360,000 | $ 360,000 | $ 139,000 |
| Carroll County Maryland | 1 | $ 237,000 | $ 237,000 | $ 92,000 |
| Dorchester County Maryland | 1 | $ 262,000 | $ 262,000 | $ 180,000 |
| Garrett County Maryland | 1 | $ 416,000 | $ 416,000 | $ 2,556,000 |
| Harford County Maryland | 1 | $ 255,000 | $ 255,000 | $ 54,000 |
| Alcona County Michigan | 1 | $ 227,000 | $ 227,000 | $ 45,000 |
| Chippewa County Michigan | 1 | $ 101,000 | $ 101,000 | $ 136,000 |
| Clare County Michigan | 1 | $ 87,000 | $ 87,000 | $ 75,000 |
| Gratiot County Michigan | 1 | $ 200,000 | $ 200,000 | $ 37,000 |
| Keweenaw County Michigan | 1 | $ 167,000 | $ 167,000 | $ 70,000 |
| Montmorency County Michigan | 1 | $ 52,000 | $ 52,000 | $ 25,000 |
| Ogemaw County Michigan | 1 | $ 188,000 | $ 188,000 | $ 123,000 |
| Presque Isle County Michigan | 1 | $ 35,000 | $ 35,000 | $ 19,000 |
| Carver County Minnesota | 1 | $ 379,000 | $ 379,000 | $ 145,000 |
| Chisago County Minnesota | 1 | $ 234,000 | $ 234,000 | $ 205,000 |
| Dakota County Minnesota | 1 | $ 75,000 | $ 75,000 | $ 89,000 |
| McLeod County Minnesota | 1 | $ 207,000 | $ 207,000 | $ 76,000 |
| Washington County Minnesota | 1 | $ 276,000 | $ 276,000 | $ 87,000 |
| Bergen County New Jersey | 1 | $ 298,000 | $ 298,000 | $ 110,000 |
| Cumberland County New Jersey | 1 | $ 198,000 | $ 198,000 | $ 67,000 |
| Salem County New Jersey | 1 | $ 144,000 | $ 144,000 | $ 55,000 |
| Somerset County New Jersey | 1 | $ 530,000 | $ 530,000 | $ 267,000 |
| Alamance County North Carolina | 1 | $ 221,000 | $ 221,000 | $ 121,000 |
| Alexander County North Carolina | 1 | $ 50,000 | $ 50,000 | $ 17,000 |
| Beaufort County North Carolina | 1 | $ 180,000 | $ 180,000 | $ 134,000 |
| Carteret County North Carolina | 1 | $ 208,000 | $ 208,000 | $ 203,000 |
| Chatham County North Carolina | 1 | $ 292,000 | $ 292,000 | $ 221,000 |
| Chowan County North Carolina | 1 | $ 150,000 | $ 150,000 | $ 367,000 |
| Durham County North Carolina | 1 | $ 161,000 | $ 161,000 | $ 57,000 |
| Franklin County North Carolina | 1 | $ 239,000 | $ 239,000 | $ 163,000 |
| Gaston County North Carolina | 1 | $ 43,000 | $ 43,000 | $ 43,000 |
| Granville County North Carolina | 1 | $ 133,000 | $ 133,000 | $ 55,000 |
| Harnett County North Carolina | 1 | $ 148,000 | $ 148,000 | $ 102,000 |
| Lee County North Carolina | 1 | $ 219,000 | $ 219,000 | $ 103,000 |
| Lincoln County North Carolina | 1 | $ 68,000 | $ 68,000 | $ 24,000 |
| Moore County North Carolina | 1 | $ 340,000 | $ 340,000 | $ 127,000 |
| Orange County North Carolina | 1 | $ 144,000 | $ 144,000 | $ 176,000 |
| Perquimans County North Carolina | 1 | $ 176,000 | $ 176,000 | $ 48,000 |
| Person County North Carolina | 1 | $ 355,000 | $ 355,000 | $ 194,000 |
| Champaign County Ohio | 1 | $ 76,000 | $ 76,000 | $ 41,000 |
| Columbiana County Ohio | 1 | $ 92,000 | $ 92,000 | $ 33,000 |
| Fayette County Ohio | 1 | $ 52,000 | $ 52,000 | $ 80,000 |
| Greene County Ohio | 1 | $ 356,000 | $ 356,000 | $ 99,000 |
| Hancock County Ohio | 1 | $ 59,000 | $ 59,000 | $ 76,000 |
| Holmes County Ohio | 1 | $ 100,000 | $ 100,000 | $ 94,000 |
| Jefferson County Ohio | 1 | $ 80,000 | $ 80,000 | $ 48,000 |
| Morrow County Ohio | 1 | $ 44,000 | $ 44,000 | $ 31,000 |
| Putnam County Ohio | 1 | $ 63,000 | $ 63,000 | $ 107,000 |
| Richland County Ohio | 1 | $ 72,000 | $ 72,000 | $ 45,000 |
| Ross County Ohio | 1 | $ 90,000 | $ 90,000 | $ 96,000 |
| Sandusky County Ohio | 1 | $ 133,000 | $ 133,000 | $ 34,000 |
| Seneca County Ohio | 1 | $ 118,000 | $ 118,000 | $ 69,000 |
| Williams County Ohio | 1 | $ 32,000 | $ 32,000 | $ 54,000 |
| Wood County Ohio | 1 | $ 64,000 | $ 64,000 | $ 307,000 |
| Adams County Pennsylvania | 1 | $ 128,000 | $ 128,000 | $ 34,000 |
| Carbon County Pennsylvania | 1 | $ 88,000 | $ 88,000 | $ 80,000 |
| Franklin County Pennsylvania | 1 | $ 132,000 | $ 132,000 | $ 41,000 |
| Lebanon County Pennsylvania | 1 | $ 143,000 | $ 143,000 | $ 33,000 |
| Northampton County Pennsylvania | 1 | $ 190,000 | $ 190,000 | $ 156,000 |
| Perry County Pennsylvania | 1 | $ 118,000 | $ 118,000 | $ 49,000 |
| Wayne County Pennsylvania | 1 | $ 194,000 | $ 194,000 | $ 307,000 |
| Wyoming County Pennsylvania | 1 | $ 74,000 | $ 74,000 | $ 40,000 |
| Anderson County South Carolina | 1 | $ 417,000 | $ 417,000 | $ 129,000 |
| Beaufort County South Carolina | 1 | $ 59,000 | $ 59,000 | $ 58,000 |
| Georgetown County South Carolina | 1 | $ 60,000 | $ 60,000 | $ 73,000 |
| McCormick County South Carolina | 1 | $ 101,000 | $ 101,000 | $ 81,000 |
| Richland County South Carolina | 1 | $ 892,000 | $ 892,000 | $ 408,000 |
| Anderson County Tennessee | 1 | $ 308,000 | $ 308,000 | $ 118,000 |
| Blount County Tennessee | 1 | $ 136,000 | $ 136,000 | $ 47,000 |
| Fayette County Tennessee | 1 | $ 230,000 | $ 230,000 | $ 75,000 |
| Greene County Tennessee | 1 | $ 68,000 | $ 68,000 | $ 53,000 |
| Hardin County Tennessee | 1 | $ 113,000 | $ 113,000 | $ 533,000 |
| Rutherford County Tennessee | 1 | $ 244,000 | $ 244,000 | $ 180,000 |
| Tipton County Tennessee | 1 | $ 302,000 | $ 302,000 | $ 129,000 |
| Bedford County Virginia | 1 | $ 81,000 | $ 81,000 | $ 59,000 |
| Culpeper County Virginia | 1 | $ 158,000 | $ 158,000 | $ 52,000 |
| Fairfax City County Virginia | 1 | $ 155,000 | $ 155,000 | $ 68,000 |
| Frederick County Virginia | 1 | $ 135,000 | $ 135,000 | $ 145,000 |
| Newport News County Virginia | 1 | $ 156,000 | $ 156,000 | $ 140,000 |
| Northampton County Virginia | 1 | $ 135,000 | $ 135,000 | $ 67,000 |
| Pittsylvania County Virginia | 1 | $ 358,000 | $ 358,000 | $ 336,000 |
| Roanoke County Virginia | 1 | $ 319,000 | $ 319,000 | $ 100,000 |
| Southampton County Virginia | 1 | $ 74,000 | $ 74,000 | $ 19,000 |
| Adams County Wisconsin | 1 | $ 250,000 | $ 250,000 | $ 265,000 |
| Bayfield County Wisconsin | 1 | $ 95,000 | $ 95,000 | $ 72,000 |
| Chippewa County Wisconsin | 1 | $ 148,000 | $ 148,000 | $ 62,000 |
| Door County Wisconsin | 1 | $ 241,000 | $ 241,000 | $ 93,000 |
| Juneau County Wisconsin | 1 | $ 126,000 | $ 126,000 | $ 53,000 |
| La Crosse County Wisconsin | 1 | $ 96,000 | $ 96,000 | $ 80,000 |
| Marathon County Wisconsin | 1 | $ 225,000 | $ 225,000 | $ 158,000 |
| Oconto County Wisconsin | 1 | $ 129,000 | $ 129,000 | $ 89,000 |
| Oneida County Wisconsin | 1 | $ 285,000 | $ 285,000 | $ 156,000 |
| Outagamie County Wisconsin | 1 | $ 250,000 | $ 250,000 | $ 240,000 |
| Richland County Wisconsin | 1 | $ 268,000 | $ 268,000 | $ 253,000 |
| St. Croix County Wisconsin | 1 | $ 72,000 | $ 72,000 | $ 42,000 |
| Winnebago County Wisconsin | 1 | $ 220,000 | $ 220,000 | $ 514,000 |
Mortgage Loan Application Detail Totals for Lake Michigan Credit Union in 2010
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 | 7,150 | $1,217,816,000 | $170,000 | $1,760,000 | $101,000 | $2,571,000 |
| Home Purchase | 3,340 | $496,971,000 | $148,000 | $1,013,000 | $88,000 | $2,984,000 |
| Home Improvement | 273 | $8,050,000 | $29,000 | $200,000 | $79,000 | $332,000 |
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 | 9,377 | $1,522,459,000 | $162,000 | $1,200,000 | $98,000 | $2,984,000 |
| Not Provided | 866 | $113,994,000 | $131,000 | $1,760,000 | $92,000 | $955,000 |
| Asian | 178 | $35,549,000 | $199,000 | $725,000 | $105,000 | $308,000 |
| Hispanic | 165 | $25,323,000 | $153,000 | $648,000 | $84,000 | $700,000 |
| Black or African American | 161 | $23,113,000 | $143,000 | $417,000 | $75,000 | $310,000 |
| American Indian or Alaskan Native | 12 | $1,966,000 | $163,000 | $390,000 | $95,000 | $259,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $383,000 | $127,000 | $157,000 | $63,000 | $100,000 |
| Not applicable | 1 | $50,000 | $50,000 | $50,000 | $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) | 9,755 | $1,593,338,000 | $163,000 | $1,760,000 | $101,000 | $2,984,000 |
| FHA-insured (Federal Housing Administration) | 940 | $119,146,000 | $126,000 | $345,000 | $53,000 | $351,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 37 | $5,017,000 | $135,000 | $224,000 | $51,000 | $89,000 |
| VA-guaranteed (Veterans Administration) | 31 | $5,336,000 | $172,000 | $385,000 | $62,000 | $171,000 |
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 | 4,883 | $650,011,000 | $133,000 | $1,200,000 | $83,000 | $2,571,000 |
| Loan Purchased By The Institution | 4,380 | $872,863,000 | $199,000 | $1,148,000 | $119,000 | $2,984,000 |
| Application Withdrawn By Applicant | 721 | $103,203,000 | $143,000 | $702,000 | $81,000 | $2,000,000 |
| Preapproval Denied by Financial Institution | 322 | $35,997,000 | $111,000 | $417,000 | $61,000 | $1,200,000 |
| Application Denied By Financial Institution | 300 | $40,900,000 | $136,000 | $1,120,000 | $73,000 | $479,000 |
| File Closed For Incompleteness | 128 | $15,854,000 | $123,000 | $1,760,000 | $83,000 | $588,000 |
| Preapproval Approved but not Accepted | 26 | $3,669,000 | $141,000 | $280,000 | $66,000 | $179,000 |
| Application Approved But Not Accepted | 3 | $340,000 | $113,000 | $177,000 | $45,000 | $60,000 |
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 Application Incomplete | 236 | $27,623,000 | $117,000 | $417,000 | $65,000 | $1,200,000 |
| Collateral | 190 | $27,512,000 | $144,000 | $1,120,000 | $83,000 | $479,000 |
| Credit History | 90 | $8,582,000 | $95,000 | $270,000 | $53,000 | $202,000 |
| Debt-To-Income Ratio | 66 | $7,935,000 | $120,000 | $480,000 | $47,000 | $182,000 |
| Other | 11 | $1,685,000 | $153,000 | $380,000 | $82,000 | $176,000 |
| Mortgage Insurance Denied | 9 | $1,598,000 | $177,000 | $280,000 | $70,000 | $150,000 |
| Unverifiable Information | 6 | $568,000 | $94,000 | $200,000 | $39,000 | $60,000 |
| Employment History | 6 | $481,000 | $80,000 | $160,000 | $44,000 | $92,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 6 | $738,000 | $123,000 | $192,000 | $40,000 | $90,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Lake Michigan Credit Union's 2010 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 Lake Michigan 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.