Lake Michigan Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2011
Lake Michigan Credit Union 2011 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 | 10,566 |
| Total Mortgage Loan Application Amount | $1,597,825,000 |
| Average Mortgage Loan Application Amount | $112,000 |
| Highest Mortgage Loan Application Amount | $1,350,000 |
| Average Applicant Income | $88,333 |
| Highest Applicant Income | $4,265,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2011 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 2011 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 2011.
| 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 | 3,944 | $ 497,641,000 | $ 126,000 | $ 82,000 |
| Ottawa County Michigan | 1,442 | $ 198,382,000 | $ 137,000 | $ 85,000 |
| Kalamazoo County Michigan | 498 | $ 70,937,000 | $ 142,000 | $ 96,000 |
| Oakland County Michigan | 307 | $ 58,000,000 | $ 188,000 | $ 130,000 |
| Allegan County Michigan | 289 | $ 41,556,000 | $ 143,000 | $ 96,000 |
| Wayne County Michigan | 191 | $ 32,815,000 | $ 171,000 | $ 109,000 |
| Franklin County Ohio | 167 | $ 32,234,000 | $ 193,000 | $ 114,000 |
| Muskegon County Michigan | 162 | $ 20,576,000 | $ 127,000 | $ 91,000 |
| Barry County Michigan | 151 | $ 21,345,000 | $ 141,000 | $ 87,000 |
| Wake County North Carolina | 130 | $ 28,634,000 | $ 220,000 | $ 108,000 |
| Macomb County Michigan | 125 | $ 17,207,000 | $ 137,000 | $ 80,000 |
| Van Buren County Michigan | 89 | $ 11,640,000 | $ 130,000 | $ 84,000 |
| Washtenaw County Michigan | 83 | $ 16,540,000 | $ 199,000 | $ 116,000 |
| Waukesha County Wisconsin | 78 | $ 19,687,000 | $ 252,000 | $ 131,000 |
| Berrien County Michigan | 77 | $ 9,831,000 | $ 127,000 | $ 71,000 |
| Montcalm County Michigan | 72 | $ 7,555,000 | $ 104,000 | $ 75,000 |
| Milwaukee County Wisconsin | 70 | $ 11,785,000 | $ 168,000 | $ 90,000 |
| Newaygo County Michigan | 65 | $ 7,182,000 | $ 110,000 | $ 88,000 |
| Cuyahoga County Ohio | 60 | $ 15,595,000 | $ 259,000 | $ 121,000 |
| Hennepin County Minnesota | 59 | $ 11,735,000 | $ 198,000 | $ 103,000 |
| Aiken County South Carolina | 55 | $ 9,376,000 | $ 170,000 | $ 108,000 |
| Ingham County Michigan | 53 | $ 8,594,000 | $ 162,000 | $ 119,000 |
| Marion County Indiana | 52 | $ 6,273,000 | $ 120,000 | $ 108,000 |
| Ionia County Michigan | 52 | $ 5,995,000 | $ 115,000 | $ 84,000 |
| Philadelphia County Pennsylvania | 49 | $ 13,845,000 | $ 282,000 | $ 101,000 |
| Livingston County Michigan | 48 | $ 7,958,000 | $ 165,000 | $ 81,000 |
| Cook County Illinois | 45 | $ 11,735,000 | $ 260,000 | $ 139,000 |
| Montgomery County Pennsylvania | 44 | $ 9,301,000 | $ 211,000 | $ 80,000 |
| Hamilton County Indiana | 41 | $ 7,779,000 | $ 189,000 | $ 119,000 |
| Delaware County Ohio | 41 | $ 9,754,000 | $ 237,000 | $ 113,000 |
| Oceana County Michigan | 36 | $ 6,760,000 | $ 187,000 | $ 140,000 |
| Hamilton County Ohio | 36 | $ 6,590,000 | $ 183,000 | $ 108,000 |
| Delaware County Pennsylvania | 33 | $ 6,796,000 | $ 205,000 | $ 94,000 |
| Washington County Tennessee | 33 | $ 6,486,000 | $ 196,000 | $ 119,000 |
| Henrico County Virginia | 32 | $ 7,034,000 | $ 219,000 | $ 100,000 |
| Stark County Ohio | 31 | $ 5,112,000 | $ 164,000 | $ 77,000 |
| Dane County Wisconsin | 30 | $ 4,943,000 | $ 164,000 | $ 100,000 |
| Saginaw County Michigan | 29 | $ 3,533,000 | $ 121,000 | $ 84,000 |
| Mecklenburg County North Carolina | 29 | $ 7,585,000 | $ 261,000 | $ 174,000 |
| Bucks County Pennsylvania | 28 | $ 6,829,000 | $ 243,000 | $ 92,000 |
| Shelby County Tennessee | 28 | $ 5,528,000 | $ 197,000 | $ 115,000 |
| Washington County Wisconsin | 24 | $ 4,384,000 | $ 182,000 | $ 94,000 |
| Grand Traverse County Michigan | 23 | $ 6,405,000 | $ 278,000 | $ 155,000 |
| St. Clair County Michigan | 23 | $ 3,094,000 | $ 134,000 | $ 87,000 |
| Chester County Pennsylvania | 23 | $ 5,986,000 | $ 260,000 | $ 88,000 |
| Clinton County Michigan | 22 | $ 3,562,000 | $ 161,000 | $ 98,000 |
| Mason County Michigan | 22 | $ 2,242,000 | $ 101,000 | $ 81,000 |
| Durham County North Carolina | 22 | $ 4,153,000 | $ 188,000 | $ 95,000 |
| Wayne County Ohio | 22 | $ 2,734,000 | $ 124,000 | $ 73,000 |
| Mecosta County Michigan | 21 | $ 2,075,000 | $ 98,000 | $ 129,000 |
| Lake County Michigan | 20 | $ 2,073,000 | $ 103,000 | $ 104,000 |
| Cass County Michigan | 19 | $ 2,150,000 | $ 113,000 | $ 90,000 |
| Walworth County Wisconsin | 19 | $ 3,931,000 | $ 206,000 | $ 124,000 |
| Montgomery County Maryland | 18 | $ 6,936,000 | $ 385,000 | $ 144,000 |
| Calhoun County Michigan | 18 | $ 2,003,000 | $ 111,000 | $ 71,000 |
| Leelanau County Michigan | 18 | $ 4,256,000 | $ 236,000 | $ 132,000 |
| Midland County Michigan | 18 | $ 2,684,000 | $ 149,000 | $ 93,000 |
| Chesterfield County Virginia | 18 | $ 3,738,000 | $ 207,000 | $ 104,000 |
| Loudoun County Virginia | 18 | $ 4,326,000 | $ 240,000 | $ 178,000 |
| St. Joseph County Michigan | 17 | $ 2,270,000 | $ 133,000 | $ 86,000 |
| Pitt County North Carolina | 17 | $ 2,402,000 | $ 141,000 | $ 111,000 |
| Boone County Kentucky | 16 | $ 2,490,000 | $ 155,000 | $ 76,000 |
| Warren County Ohio | 16 | $ 3,077,000 | $ 192,000 | $ 77,000 |
| Richmond City County Virginia | 16 | $ 4,081,000 | $ 255,000 | $ 118,000 |
| Lake County Ohio | 15 | $ 3,182,000 | $ 212,000 | $ 169,000 |
| Bay County Michigan | 14 | $ 1,671,000 | $ 119,000 | $ 69,000 |
| Charlevoix County Michigan | 13 | $ 4,322,000 | $ 332,000 | $ 257,000 |
| Eaton County Michigan | 13 | $ 1,502,000 | $ 115,000 | $ 62,000 |
| Genesee County Michigan | 13 | $ 1,506,000 | $ 115,000 | $ 54,000 |
| Anoka County Minnesota | 13 | $ 2,051,000 | $ 157,000 | $ 71,000 |
| Johnston County North Carolina | 13 | $ 2,586,000 | $ 198,000 | $ 79,000 |
| Butler County Ohio | 13 | $ 2,027,000 | $ 155,000 | $ 75,000 |
| Geauga County Ohio | 13 | $ 4,877,000 | $ 375,000 | $ 92,000 |
| Fairfax County Virginia | 13 | $ 4,577,000 | $ 352,000 | $ 185,000 |
| Ozaukee County Wisconsin | 13 | $ 3,381,000 | $ 260,000 | $ 98,000 |
| Will County Illinois | 12 | $ 2,360,000 | $ 196,000 | $ 105,000 |
| Manistee County Michigan | 12 | $ 1,645,000 | $ 137,000 | $ 127,000 |
| Scott County Minnesota | 12 | $ 2,784,000 | $ 232,000 | $ 100,000 |
| Arlington County Virginia | 12 | $ 3,200,000 | $ 266,000 | $ 568,000 |
| Rockingham County Virginia | 12 | $ 2,315,000 | $ 192,000 | $ 70,000 |
| DuPage County Illinois | 11 | $ 2,076,000 | $ 188,000 | $ 61,000 |
| Hendricks County Indiana | 11 | $ 2,002,000 | $ 182,000 | $ 89,000 |
| Benzie County Michigan | 11 | $ 2,617,000 | $ 237,000 | $ 181,000 |
| Jackson County Michigan | 11 | $ 1,309,000 | $ 119,000 | $ 66,000 |
| Dakota County Minnesota | 11 | $ 1,958,000 | $ 178,000 | $ 219,000 |
| Summit County Ohio | 11 | $ 2,696,000 | $ 245,000 | $ 102,000 |
| Luzerne County Pennsylvania | 11 | $ 1,873,000 | $ 170,000 | $ 90,000 |
| Johnson County Indiana | 10 | $ 1,391,000 | $ 139,000 | $ 54,000 |
| Emmet County Michigan | 10 | $ 1,299,000 | $ 129,000 | $ 131,000 |
| Lenawee County Michigan | 10 | $ 1,242,000 | $ 124,000 | $ 107,000 |
| Camden County New Jersey | 10 | $ 3,097,000 | $ 309,000 | $ 129,000 |
| Virginia Beach County Virginia | 10 | $ 3,315,000 | $ 331,000 | $ 140,000 |
| Roscommon County Michigan | 9 | $ 1,598,000 | $ 177,000 | $ 128,000 |
| Cape May County New Jersey | 9 | $ 3,025,000 | $ 336,000 | $ 152,000 |
| Dare County North Carolina | 9 | $ 2,365,000 | $ 262,000 | $ 90,000 |
| Licking County Ohio | 9 | $ 1,542,000 | $ 171,000 | $ 78,000 |
| Kane County Illinois | 8 | $ 1,205,000 | $ 150,000 | $ 117,000 |
| Mercer County New Jersey | 8 | $ 2,945,000 | $ 368,000 | $ 117,000 |
| Somerset County New Jersey | 8 | $ 2,773,000 | $ 346,000 | $ 62,000 |
| New Hanover County North Carolina | 8 | $ 2,003,000 | $ 250,000 | $ 154,000 |
| Union County North Carolina | 8 | $ 2,098,000 | $ 262,000 | $ 167,000 |
| Clermont County Ohio | 8 | $ 1,238,000 | $ 154,000 | $ 60,000 |
| Knox County Tennessee | 8 | $ 2,186,000 | $ 273,000 | $ 211,000 |
| Hanover County Virginia | 8 | $ 2,207,000 | $ 275,000 | $ 122,000 |
| Racine County Wisconsin | 8 | $ 1,480,000 | $ 185,000 | $ 130,000 |
| Monroe County Michigan | 7 | $ 790,000 | $ 112,000 | $ 61,000 |
| Wexford County Michigan | 7 | $ 985,000 | $ 140,000 | $ 88,000 |
| Orange County North Carolina | 7 | $ 1,878,000 | $ 268,000 | $ 170,000 |
| Lorain County Ohio | 7 | $ 1,646,000 | $ 235,000 | $ 66,000 |
| Alexandria County Virginia | 7 | $ 2,927,000 | $ 418,000 | $ 64,000 |
| Chesapeake County Virginia | 7 | $ 1,812,000 | $ 258,000 | $ 112,000 |
| Brown County Wisconsin | 7 | $ 907,000 | $ 129,000 | $ 61,000 |
| New Castle County Delaware | 6 | $ 1,468,000 | $ 244,000 | $ 71,000 |
| St. Joseph County Indiana | 6 | $ 602,000 | $ 100,000 | $ 57,000 |
| Howard County Maryland | 6 | $ 2,835,000 | $ 472,000 | $ 140,000 |
| Antrim County Michigan | 6 | $ 690,000 | $ 115,000 | $ 133,000 |
| Osceola County Michigan | 6 | $ 436,000 | $ 72,000 | $ 85,000 |
| Wright County Minnesota | 6 | $ 987,000 | $ 164,000 | $ 78,000 |
| Cabarrus County North Carolina | 6 | $ 759,000 | $ 126,000 | $ 61,000 |
| Lexington County South Carolina | 6 | $ 1,385,000 | $ 230,000 | $ 84,000 |
| York County South Carolina | 6 | $ 1,424,000 | $ 237,000 | $ 96,000 |
| Carter County Tennessee | 6 | $ 824,000 | $ 137,000 | $ 83,000 |
| Sullivan County Tennessee | 6 | $ 1,346,000 | $ 224,000 | $ 120,000 |
| Norfolk County Virginia | 6 | $ 1,349,000 | $ 224,000 | $ 227,000 |
| Powhatan County Virginia | 6 | $ 1,604,000 | $ 267,000 | $ 83,000 |
| Prince William County Virginia | 6 | $ 1,183,000 | $ 197,000 | $ 91,000 |
| Sussex County Delaware | 5 | $ 1,328,000 | $ 265,000 | $ 91,000 |
| Boone County Indiana | 5 | $ 1,597,000 | $ 319,000 | $ 123,000 |
| Clare County Michigan | 5 | $ 239,000 | $ 47,000 | $ 88,000 |
| Isabella County Michigan | 5 | $ 591,000 | $ 118,000 | $ 90,000 |
| Marquette County Michigan | 5 | $ 434,000 | $ 86,000 | $ 68,000 |
| Tuscola County Michigan | 5 | $ 563,000 | $ 112,000 | $ 82,000 |
| Washington County Minnesota | 5 | $ 942,000 | $ 188,000 | $ 95,000 |
| Mahoning County Ohio | 5 | $ 582,000 | $ 116,000 | $ 80,000 |
| Union County Ohio | 5 | $ 1,246,000 | $ 249,000 | $ 70,000 |
| Unicoi County Tennessee | 5 | $ 463,000 | $ 92,000 | $ 37,000 |
| Lake County Illinois | 4 | $ 853,000 | $ 213,000 | $ 61,000 |
| Dearborn County Indiana | 4 | $ 640,000 | $ 160,000 | $ 72,000 |
| Kalkaska County Michigan | 4 | $ 487,000 | $ 121,000 | $ 99,000 |
| Lapeer County Michigan | 4 | $ 523,000 | $ 130,000 | $ 173,000 |
| Missaukee County Michigan | 4 | $ 535,000 | $ 133,000 | $ 96,000 |
| Otsego County Michigan | 4 | $ 387,000 | $ 96,000 | $ 88,000 |
| Ramsey County Minnesota | 4 | $ 840,000 | $ 210,000 | $ 41,000 |
| Atlantic County New Jersey | 4 | $ 965,000 | $ 241,000 | $ 37,000 |
| Brunswick County North Carolina | 4 | $ 613,000 | $ 153,000 | $ 94,000 |
| Currituck County North Carolina | 4 | $ 1,043,000 | $ 260,000 | $ 144,000 |
| Fairfield County Ohio | 4 | $ 977,000 | $ 244,000 | $ 91,000 |
| Oneida County Wisconsin | 4 | $ 914,000 | $ 228,000 | $ 162,000 |
| McHenry County Illinois | 3 | $ 607,000 | $ 202,000 | $ 87,000 |
| Bartholomew County Indiana | 3 | $ 495,000 | $ 165,000 | $ 103,000 |
| Campbell County Kentucky | 3 | $ 518,000 | $ 172,000 | $ 74,000 |
| Anne Arundel County Maryland | 3 | $ 1,009,000 | $ 336,000 | $ 83,000 |
| Prince George's County Maryland | 3 | $ 951,000 | $ 317,000 | $ 322,000 |
| Alcona County Michigan | 3 | $ 383,000 | $ 127,000 | $ 75,000 |
| Gladwin County Michigan | 3 | $ 397,000 | $ 132,000 | $ 70,000 |
| Hillsdale County Michigan | 3 | $ 408,000 | $ 136,000 | $ 78,000 |
| Iosco County Michigan | 3 | $ 307,000 | $ 102,000 | $ 80,000 |
| Sanilac County Michigan | 3 | $ 319,000 | $ 106,000 | $ 54,000 |
| Shiawassee County Michigan | 3 | $ 382,000 | $ 127,000 | $ 51,000 |
| Cass County Minnesota | 3 | $ 697,000 | $ 232,000 | $ 138,000 |
| Burlington County New Jersey | 3 | $ 632,000 | $ 210,000 | $ 114,000 |
| Middlesex County New Jersey | 3 | $ 555,000 | $ 185,000 | $ 94,000 |
| Morris County New Jersey | 3 | $ 1,000,000 | $ 333,000 | $ 179,000 |
| Buncombe County North Carolina | 3 | $ 494,000 | $ 164,000 | $ 243,000 |
| Camden County North Carolina | 3 | $ 469,000 | $ 156,000 | $ 75,000 |
| Chatham County North Carolina | 3 | $ 649,000 | $ 216,000 | $ 115,000 |
| Pender County North Carolina | 3 | $ 594,000 | $ 198,000 | $ 154,000 |
| Ashland County Ohio | 3 | $ 487,000 | $ 162,000 | $ 62,000 |
| Portage County Ohio | 3 | $ 679,000 | $ 226,000 | $ 54,000 |
| Beaufort County South Carolina | 3 | $ 816,000 | $ 272,000 | $ 235,000 |
| Greene County Tennessee | 3 | $ 426,000 | $ 142,000 | $ 193,000 |
| Fredericksburg County Virginia | 3 | $ 1,079,000 | $ 359,000 | $ 241,000 |
| Goochland County Virginia | 3 | $ 1,126,000 | $ 375,000 | $ 149,000 |
| Harrisonburg County Virginia | 3 | $ 702,000 | $ 234,000 | $ 82,000 |
| Dodge County Wisconsin | 3 | $ 507,000 | $ 169,000 | $ 68,000 |
| Polk County Wisconsin | 3 | $ 829,000 | $ 276,000 | $ 185,000 |
| Rock County Wisconsin | 3 | $ 402,000 | $ 134,000 | $ 24,000 |
| Boone County Illinois | 2 | $ 295,000 | $ 147,000 | $ 93,000 |
| Kendall County Illinois | 2 | $ 502,000 | $ 251,000 | $ 102,000 |
| Winnebago County Illinois | 2 | $ 154,000 | $ 77,000 | $ 28,000 |
| Allen County Indiana | 2 | $ 271,000 | $ 135,000 | $ 26,000 |
| Elkhart County Indiana | 2 | $ 137,000 | $ 68,000 | $ 64,000 |
| Hancock County Indiana | 2 | $ 206,000 | $ 103,000 | $ 71,000 |
| Lake County Indiana | 2 | $ 350,000 | $ 175,000 | $ 78,000 |
| Marshall County Indiana | 2 | $ 104,000 | $ 52,000 | $ 124,000 |
| Kenton County Kentucky | 2 | $ 285,000 | $ 142,000 | $ 67,000 |
| Baltimore City County Maryland | 2 | $ 401,000 | $ 200,000 | $ 79,000 |
| Frederick County Maryland | 2 | $ 677,000 | $ 338,000 | $ 0 |
| Alger County Michigan | 2 | $ 134,000 | $ 67,000 | $ 39,000 |
| Cheboygan County Michigan | 2 | $ 211,000 | $ 105,000 | $ 32,000 |
| Chippewa County Michigan | 2 | $ 410,000 | $ 205,000 | $ 93,000 |
| Huron County Michigan | 2 | $ 190,000 | $ 95,000 | $ 107,000 |
| Ogemaw County Michigan | 2 | $ 230,000 | $ 115,000 | $ 79,000 |
| Carver County Minnesota | 2 | $ 592,000 | $ 296,000 | $ 43,000 |
| Sherburne County Minnesota | 2 | $ 287,000 | $ 143,000 | $ 82,000 |
| St. Louis County Minnesota | 2 | $ 390,000 | $ 195,000 | $ 38,000 |
| Monmouth County New Jersey | 2 | $ 547,000 | $ 273,000 | $ 58,000 |
| Alamance County North Carolina | 2 | $ 298,000 | $ 149,000 | $ 85,000 |
| Carteret County North Carolina | 2 | $ 520,000 | $ 260,000 | $ 97,000 |
| Cleveland County North Carolina | 2 | $ 374,000 | $ 187,000 | $ 62,000 |
| Forsyth County North Carolina | 2 | $ 319,000 | $ 159,000 | $ 64,000 |
| Franklin County North Carolina | 2 | $ 197,000 | $ 98,000 | $ 51,000 |
| Gaston County North Carolina | 2 | $ 529,000 | $ 264,000 | $ 128,000 |
| Guilford County North Carolina | 2 | $ 390,000 | $ 195,000 | $ 112,000 |
| Henderson County North Carolina | 2 | $ 133,000 | $ 66,000 | $ 49,000 |
| Lincoln County North Carolina | 2 | $ 327,000 | $ 163,000 | $ 79,000 |
| Pasquotank County North Carolina | 2 | $ 301,000 | $ 150,000 | $ 67,000 |
| Wilson County North Carolina | 2 | $ 266,000 | $ 133,000 | $ 68,000 |
| Greene County Ohio | 2 | $ 364,000 | $ 182,000 | $ 119,000 |
| Lucas County Ohio | 2 | $ 169,000 | $ 84,000 | $ 42,000 |
| Madison County Ohio | 2 | $ 313,000 | $ 156,000 | $ 81,000 |
| Montgomery County Ohio | 2 | $ 437,000 | $ 218,000 | $ 156,000 |
| Ottawa County Ohio | 2 | $ 578,000 | $ 289,000 | $ 182,000 |
| Lackawanna County Pennsylvania | 2 | $ 241,000 | $ 120,000 | $ 72,000 |
| Barnwell County South Carolina | 2 | $ 481,000 | $ 240,000 | $ 86,000 |
| Edgefield County South Carolina | 2 | $ 330,000 | $ 165,000 | $ 56,000 |
| Blount County Tennessee | 2 | $ 395,000 | $ 197,000 | $ 118,000 |
| Cheatham County Tennessee | 2 | $ 124,000 | $ 62,000 | $ 62,000 |
| Fayette County Tennessee | 2 | $ 777,000 | $ 388,000 | $ 253,000 |
| Rutherford County Tennessee | 2 | $ 553,000 | $ 276,000 | $ 90,000 |
| Accomack County Virginia | 2 | $ 243,000 | $ 121,000 | $ 68,000 |
| Franklin County Virginia | 2 | $ 405,000 | $ 202,000 | $ 157,000 |
| Montgomery County Virginia | 2 | $ 534,000 | $ 267,000 | $ 107,000 |
| Newport News County Virginia | 2 | $ 274,000 | $ 137,000 | $ 167,000 |
| Page County Virginia | 2 | $ 282,000 | $ 141,000 | $ 58,000 |
| Shenandoah County Virginia | 2 | $ 518,000 | $ 259,000 | $ 140,000 |
| Suffolk County Virginia | 2 | $ 487,000 | $ 243,000 | $ 79,000 |
| Sheboygan County Wisconsin | 2 | $ 502,000 | $ 251,000 | $ 300,000 |
| St. Croix County Wisconsin | 2 | $ 301,000 | $ 150,000 | $ 98,000 |
| Vilas County Wisconsin | 2 | $ 273,000 | $ 136,000 | $ 67,000 |
| Winnebago County Wisconsin | 2 | $ 227,000 | $ 113,000 | $ 102,000 |
| District of Columbia County District Of Columbia | 1 | $ 368,000 | $ 368,000 | $ 0 |
| Grundy County Illinois | 1 | $ 187,000 | $ 187,000 | $ 79,000 |
| Franklin County Indiana | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Pulaski County Kentucky | 1 | $ 101,000 | $ 101,000 | $ 680,000 |
| Baltimore County Maryland | 1 | $ 175,000 | $ 175,000 | $ 87,000 |
| Cecil County Maryland | 1 | $ 245,000 | $ 245,000 | $ 75,000 |
| Queen Anne's County Maryland | 1 | $ 65,000 | $ 65,000 | $ 55,000 |
| Worcester County Maryland | 1 | $ 193,000 | $ 193,000 | $ 53,000 |
| Alpena County Michigan | 1 | $ 15,000 | $ 15,000 | $ 68,000 |
| Arenac County Michigan | 1 | $ 61,000 | $ 61,000 | $ 162,000 |
| Branch County Michigan | 1 | $ 87,000 | $ 87,000 | $ 177,000 |
| Crawford County Michigan | 1 | $ 124,000 | $ 124,000 | $ 62,000 |
| Delta County Michigan | 1 | $ 52,000 | $ 52,000 | $ 104,000 |
| Gratiot County Michigan | 1 | $ 105,000 | $ 105,000 | $ 177,000 |
| Houghton County Michigan | 1 | $ 55,000 | $ 55,000 | $ 97,000 |
| Oscoda County Michigan | 1 | $ 75,000 | $ 75,000 | $ 141,000 |
| Presque Isle County Michigan | 1 | $ 49,000 | $ 49,000 | $ 86,000 |
| Schoolcraft County Michigan | 1 | $ 122,000 | $ 122,000 | $ 117,000 |
| Aitkin County Minnesota | 1 | $ 100,000 | $ 100,000 | $ 293,000 |
| Carlton County Minnesota | 1 | $ 99,000 | $ 99,000 | $ 43,000 |
| Chisago County Minnesota | 1 | $ 76,000 | $ 76,000 | $ 65,000 |
| Goodhue County Minnesota | 1 | $ 102,000 | $ 102,000 | $ 171,000 |
| Hubbard County Minnesota | 1 | $ 152,000 | $ 152,000 | $ 123,000 |
| Isanti County Minnesota | 1 | $ 148,000 | $ 148,000 | $ 65,000 |
| Kandiyohi County Minnesota | 1 | $ 320,000 | $ 320,000 | $ 121,000 |
| McLeod County Minnesota | 1 | $ 308,000 | $ 308,000 | $ 118,000 |
| Wadena County Minnesota | 1 | $ 108,000 | $ 108,000 | $ 60,000 |
| Bergen County New Jersey | 1 | $ 318,000 | $ 318,000 | $ 91,000 |
| Gloucester County New Jersey | 1 | $ 160,000 | $ 160,000 | $ 0 |
| Hudson County New Jersey | 1 | $ 590,000 | $ 590,000 | $ 250,000 |
| Hunterdon County New Jersey | 1 | $ 495,000 | $ 495,000 | $ 163,000 |
| Ocean County New Jersey | 1 | $ 299,000 | $ 299,000 | $ 69,000 |
| Union County New Jersey | 1 | $ 296,000 | $ 296,000 | $ 171,000 |
| Warren County New Jersey | 1 | $ 194,000 | $ 194,000 | $ 79,000 |
| Beaufort County North Carolina | 1 | $ 184,000 | $ 184,000 | $ 157,000 |
| Bertie County North Carolina | 1 | $ 289,000 | $ 289,000 | $ 262,000 |
| Chowan County North Carolina | 1 | $ 106,000 | $ 106,000 | $ 95,000 |
| Cumberland County North Carolina | 1 | $ 134,000 | $ 134,000 | $ 49,000 |
| Davidson County North Carolina | 1 | $ 311,000 | $ 311,000 | $ 71,000 |
| Edgecombe County North Carolina | 1 | $ 171,000 | $ 171,000 | $ 140,000 |
| Granville County North Carolina | 1 | $ 93,000 | $ 93,000 | $ 21,000 |
| Harnett County North Carolina | 1 | $ 67,000 | $ 67,000 | $ 55,000 |
| Haywood County North Carolina | 1 | $ 95,000 | $ 95,000 | $ 29,000 |
| Iredell County North Carolina | 1 | $ 134,000 | $ 134,000 | $ 44,000 |
| Jackson County North Carolina | 1 | $ 134,000 | $ 134,000 | $ 33,000 |
| Perquimans County North Carolina | 1 | $ 203,000 | $ 203,000 | $ 0 |
| Randolph County North Carolina | 1 | $ 165,000 | $ 165,000 | $ 56,000 |
| Stanly County North Carolina | 1 | $ 194,000 | $ 194,000 | $ 106,000 |
| Stokes County North Carolina | 1 | $ 103,000 | $ 103,000 | $ 23,000 |
| Transylvania County North Carolina | 1 | $ 50,000 | $ 50,000 | $ 11,000 |
| Washington County North Carolina | 1 | $ 60,000 | $ 60,000 | $ 0 |
| Wayne County North Carolina | 1 | $ 243,000 | $ 243,000 | $ 58,000 |
| Yancey County North Carolina | 1 | $ 56,000 | $ 56,000 | $ 35,000 |
| Ashtabula County Ohio | 1 | $ 74,000 | $ 74,000 | $ 26,000 |
| Brown County Ohio | 1 | $ 193,000 | $ 193,000 | $ 232,000 |
| Clinton County Ohio | 1 | $ 198,000 | $ 198,000 | $ 84,000 |
| Hancock County Ohio | 1 | $ 106,000 | $ 106,000 | $ 105,000 |
| Knox County Ohio | 1 | $ 232,000 | $ 232,000 | $ 150,000 |
| Marion County Ohio | 1 | $ 52,000 | $ 52,000 | $ 104,000 |
| Medina County Ohio | 1 | $ 118,000 | $ 118,000 | $ 113,000 |
| Perry County Ohio | 1 | $ 200,000 | $ 200,000 | $ 69,000 |
| Trumbull County Ohio | 1 | $ 48,000 | $ 48,000 | $ 24,000 |
| Wood County Ohio | 1 | $ 150,000 | $ 150,000 | $ 635,000 |
| Berks County Pennsylvania | 1 | $ 228,000 | $ 228,000 | $ 155,000 |
| Butler County Pennsylvania | 1 | $ 128,000 | $ 128,000 | $ 70,000 |
| Cumberland County Pennsylvania | 1 | $ 70,000 | $ 70,000 | $ 79,000 |
| Franklin County Pennsylvania | 1 | $ 196,000 | $ 196,000 | $ 60,000 |
| Lehigh County Pennsylvania | 1 | $ 245,000 | $ 245,000 | $ 156,000 |
| Mercer County Pennsylvania | 1 | $ 223,000 | $ 223,000 | $ 170,000 |
| Monroe County Pennsylvania | 1 | $ 177,000 | $ 177,000 | $ 134,000 |
| Wayne County Pennsylvania | 1 | $ 285,000 | $ 285,000 | $ 163,000 |
| York County Pennsylvania | 1 | $ 109,000 | $ 109,000 | $ 63,000 |
| Calhoun County South Carolina | 1 | $ 180,000 | $ 180,000 | $ 70,000 |
| Chester County South Carolina | 1 | $ 200,000 | $ 200,000 | $ 79,000 |
| Colleton County South Carolina | 1 | $ 273,000 | $ 273,000 | $ 0 |
| Fairfield County South Carolina | 1 | $ 163,000 | $ 163,000 | $ 48,000 |
| Greenville County South Carolina | 1 | $ 389,000 | $ 389,000 | $ 163,000 |
| Greenwood County South Carolina | 1 | $ 273,000 | $ 273,000 | $ 94,000 |
| Horry County South Carolina | 1 | $ 95,000 | $ 95,000 | $ 62,000 |
| Kershaw County South Carolina | 1 | $ 99,000 | $ 99,000 | $ 34,000 |
| Lancaster County South Carolina | 1 | $ 218,000 | $ 218,000 | $ 334,000 |
| Newberry County South Carolina | 1 | $ 272,000 | $ 272,000 | $ 106,000 |
| Orangeburg County South Carolina | 1 | $ 197,000 | $ 197,000 | $ 98,000 |
| Anderson County Tennessee | 1 | $ 227,000 | $ 227,000 | $ 236,000 |
| Davidson County Tennessee | 1 | $ 260,000 | $ 260,000 | $ 0 |
| Hamblen County Tennessee | 1 | $ 191,000 | $ 191,000 | $ 42,000 |
| Hawkins County Tennessee | 1 | $ 159,000 | $ 159,000 | $ 128,000 |
| Roane County Tennessee | 1 | $ 417,000 | $ 417,000 | $ 290,000 |
| Sevier County Tennessee | 1 | $ 177,000 | $ 177,000 | $ 49,000 |
| Williamson County Tennessee | 1 | $ 278,000 | $ 278,000 | $ 0 |
| Caroline County Virginia | 1 | $ 186,000 | $ 186,000 | $ 69,000 |
| Fauquier County Virginia | 1 | $ 234,000 | $ 234,000 | $ 137,000 |
| Fluvanna County Virginia | 1 | $ 258,000 | $ 258,000 | $ 98,000 |
| James City County Virginia | 1 | $ 357,000 | $ 357,000 | $ 0 |
| Louisa County Virginia | 1 | $ 344,000 | $ 344,000 | $ 348,000 |
| Mathews County Virginia | 1 | $ 573,000 | $ 573,000 | $ 229,000 |
| Northampton County Virginia | 1 | $ 417,000 | $ 417,000 | $ 316,000 |
| Prince George County Virginia | 1 | $ 100,000 | $ 100,000 | $ 40,000 |
| Rappahannock County Virginia | 1 | $ 408,000 | $ 408,000 | $ 147,000 |
| Salem County Virginia | 1 | $ 81,000 | $ 81,000 | $ 122,000 |
| Southampton County Virginia | 1 | $ 85,000 | $ 85,000 | $ 51,000 |
| Spotsylvania County Virginia | 1 | $ 217,000 | $ 217,000 | $ 73,000 |
| Staunton County Virginia | 1 | $ 196,000 | $ 196,000 | $ 160,000 |
| Sussex County Virginia | 1 | $ 200,000 | $ 200,000 | $ 93,000 |
| Lewis County West Virginia | 1 | $ 60,000 | $ 60,000 | $ 0 |
| Ashland County Wisconsin | 1 | $ 60,000 | $ 60,000 | $ 105,000 |
| Calumet County Wisconsin | 1 | $ 417,000 | $ 417,000 | $ 278,000 |
| Columbia County Wisconsin | 1 | $ 174,000 | $ 174,000 | $ 63,000 |
| Door County Wisconsin | 1 | $ 402,000 | $ 402,000 | $ 226,000 |
| Fond du Lac County Wisconsin | 1 | $ 296,000 | $ 296,000 | $ 121,000 |
| Jefferson County Wisconsin | 1 | $ 184,000 | $ 184,000 | $ 0 |
| Kenosha County Wisconsin | 1 | $ 331,000 | $ 331,000 | $ 123,000 |
| Marathon County Wisconsin | 1 | $ 263,000 | $ 263,000 | $ 92,000 |
| Outagamie County Wisconsin | 1 | $ 126,000 | $ 126,000 | $ 76,000 |
| Trempealeau County Wisconsin | 1 | $ 188,000 | $ 188,000 | $ 171,000 |
| Waushara County Wisconsin | 1 | $ 162,000 | $ 162,000 | $ 118,000 |
Mortgage Loan Application Detail Totals for Lake Michigan Credit Union in 2011
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 | 6,186 | $990,077,000 | $160,000 | $1,350,000 | $97,000 | $4,265,000 |
| Home Purchase | 4,089 | $599,010,000 | $146,000 | $1,050,000 | $87,000 | $1,626,000 |
| Home Improvement | 291 | $8,738,000 | $30,000 | $417,000 | $81,000 | $662,000 |
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 | 8,861 | $1,363,880,000 | $153,000 | $1,350,000 | $94,000 | $4,265,000 |
| Not Provided | 1,125 | $144,885,000 | $128,000 | $911,000 | $93,000 | $1,056,000 |
| Black or African American | 190 | $25,454,000 | $133,000 | $909,000 | $69,000 | $199,000 |
| Hispanic | 188 | $27,291,000 | $145,000 | $556,000 | $77,000 | $434,000 |
| Asian | 175 | $31,444,000 | $179,000 | $750,000 | $90,000 | $744,000 |
| American Indian or Alaskan Native | 14 | $2,218,000 | $158,000 | $342,000 | $101,000 | $398,000 |
| Native Hawaiian or Other Pacific Islander | 13 | $2,653,000 | $204,000 | $415,000 | $95,000 | $299,000 |
| 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) | 9,468 | $1,470,073,000 | $155,000 | $1,350,000 | $97,000 | $4,265,000 |
| FHA-insured (Federal Housing Administration) | 935 | $107,124,000 | $114,000 | $438,000 | $52,000 | $370,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 106 | $12,560,000 | $118,000 | $272,000 | $44,000 | $171,000 |
| VA-guaranteed (Veterans Administration) | 57 | $8,068,000 | $141,000 | $238,000 | $54,000 | $138,000 |
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 | 4,813 | $625,372,000 | $129,000 | $1,350,000 | $86,000 | $4,265,000 |
| Loan Purchased By The Institution | 3,797 | $726,406,000 | $191,000 | $1,050,000 | $107,000 | $2,037,000 |
| File Closed For Incompleteness | 589 | $77,118,000 | $130,000 | $664,000 | $93,000 | $2,100,000 |
| Application Denied By Financial Institution | 579 | $70,499,000 | $121,000 | $911,000 | $73,000 | $820,000 |
| Application Withdrawn By Applicant | 491 | $63,160,000 | $128,000 | $745,000 | $86,000 | $648,000 |
| Preapproval Denied by Financial Institution | 196 | $23,019,000 | $117,000 | $417,000 | $62,000 | $400,000 |
| Application Approved But Not Accepted | 51 | $6,492,000 | $127,000 | $407,000 | $84,000 | $265,000 |
| Preapproval Approved but not Accepted | 50 | $5,759,000 | $115,000 | $351,000 | $65,000 | $323,000 |
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 |
|---|---|---|---|---|---|---|
| Collateral | 306 | $44,357,000 | $144,000 | $911,000 | $90,000 | $820,000 |
| Credit History | 162 | $15,504,000 | $95,000 | $688,000 | $60,000 | $543,000 |
| Credit Application Incomplete | 142 | $17,119,000 | $120,000 | $417,000 | $66,000 | $400,000 |
| Debt-To-Income Ratio | 118 | $11,188,000 | $94,000 | $482,000 | $42,000 | $214,000 |
| Employment History | 20 | $1,681,000 | $84,000 | $230,000 | $39,000 | $102,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 13 | $1,696,000 | $130,000 | $230,000 | $67,000 | $157,000 |
| Mortgage Insurance Denied | 6 | $1,039,000 | $173,000 | $244,000 | $65,000 | $90,000 |
| Unverifiable Information | 5 | $662,000 | $132,000 | $194,000 | $53,000 | $82,000 |
| Other | 3 | $272,000 | $90,000 | $165,000 | $35,000 | $54,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Lake Michigan Credit Union's 2011 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.