Lake Michigan Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2013
Lake Michigan Credit Union 2013 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 | 14,302 |
| Total Mortgage Loan Application Amount | $2,403,109,000 |
| Average Mortgage Loan Application Amount | $130,666 |
| Highest Mortgage Loan Application Amount | $3,000,000 |
| Average Applicant Income | $70,666 |
| Highest Applicant Income | $7,927,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2013 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 2013 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 2013.
| 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 | 4,698 | $ 682,123,000 | $ 145,000 | $ 79,000 |
| Ottawa County Michigan | 2,030 | $ 319,239,000 | $ 157,000 | $ 76,000 |
| Kalamazoo County Michigan | 1,040 | $ 166,607,000 | $ 160,000 | $ 87,000 |
| Oakland County Michigan | 455 | $ 109,218,000 | $ 240,000 | $ 42,000 |
| Allegan County Michigan | 436 | $ 69,262,000 | $ 158,000 | $ 74,000 |
| Grand Traverse County Michigan | 424 | $ 92,764,000 | $ 218,000 | $ 126,000 |
| Muskegon County Michigan | 312 | $ 38,664,000 | $ 123,000 | $ 67,000 |
| Wayne County Michigan | 215 | $ 43,613,000 | $ 202,000 | $ 11,000 |
| Barry County Michigan | 185 | $ 27,351,000 | $ 147,000 | $ 77,000 |
| Macomb County Michigan | 185 | $ 27,879,000 | $ 150,000 | $ 11,000 |
| Van Buren County Michigan | 168 | $ 24,559,000 | $ 146,000 | $ 91,000 |
| Wake County North Carolina | 154 | $ 33,862,000 | $ 219,000 | $ 0 |
| Saginaw County Michigan | 150 | $ 20,798,000 | $ 138,000 | $ 63,000 |
| Cook County Illinois | 142 | $ 31,367,000 | $ 220,000 | $ 5,000 |
| Leelanau County Michigan | 127 | $ 36,247,000 | $ 285,000 | $ 223,000 |
| Berrien County Michigan | 125 | $ 21,750,000 | $ 174,000 | $ 106,000 |
| Montcalm County Michigan | 113 | $ 14,380,000 | $ 127,000 | $ 72,000 |
| Newaygo County Michigan | 102 | $ 10,593,000 | $ 103,000 | $ 66,000 |
| Virginia Beach County Virginia | 97 | $ 22,081,000 | $ 227,000 | $ 0 |
| Washtenaw County Michigan | 93 | $ 21,050,000 | $ 226,000 | $ 32,000 |
| Franklin County Ohio | 91 | $ 16,397,000 | $ 180,000 | $ 24,000 |
| Livingston County Michigan | 71 | $ 14,425,000 | $ 203,000 | $ 50,000 |
| Charlevoix County Michigan | 70 | $ 13,163,000 | $ 188,000 | $ 143,000 |
| Antrim County Michigan | 66 | $ 14,774,000 | $ 223,000 | $ 136,000 |
| Ionia County Michigan | 66 | $ 7,227,000 | $ 109,000 | $ 62,000 |
| Mecklenburg County North Carolina | 66 | $ 12,278,000 | $ 186,000 | $ 0 |
| Benzie County Michigan | 64 | $ 11,960,000 | $ 186,000 | $ 101,000 |
| Ingham County Michigan | 51 | $ 7,260,000 | $ 142,000 | $ 69,000 |
| Cass County Michigan | 46 | $ 5,517,000 | $ 119,000 | $ 60,000 |
| Cuyahoga County Ohio | 46 | $ 8,687,000 | $ 188,000 | $ 19,000 |
| Genesee County Michigan | 44 | $ 6,486,000 | $ 147,000 | $ 37,000 |
| St. Clair County Michigan | 40 | $ 6,370,000 | $ 159,000 | $ 24,000 |
| Milwaukee County Wisconsin | 39 | $ 5,290,000 | $ 135,000 | $ 4,000 |
| Emmet County Michigan | 38 | $ 9,953,000 | $ 261,000 | $ 211,000 |
| Shelby County Tennessee | 38 | $ 8,241,000 | $ 216,000 | $ 0 |
| DuPage County Illinois | 37 | $ 9,366,000 | $ 253,000 | $ 44,000 |
| Midland County Michigan | 37 | $ 5,480,000 | $ 148,000 | $ 24,000 |
| Calhoun County Michigan | 35 | $ 4,429,000 | $ 126,000 | $ 71,000 |
| Will County Illinois | 34 | $ 6,831,000 | $ 200,000 | $ 4,000 |
| Bay County Michigan | 34 | $ 5,193,000 | $ 152,000 | $ 59,000 |
| Kalkaska County Michigan | 32 | $ 4,095,000 | $ 127,000 | $ 125,000 |
| Mecosta County Michigan | 32 | $ 3,362,000 | $ 105,000 | $ 76,000 |
| Chesapeake County Virginia | 32 | $ 8,984,000 | $ 280,000 | $ 0 |
| Waukesha County Wisconsin | 31 | $ 7,297,000 | $ 235,000 | $ 11,000 |
| Oceana County Michigan | 30 | $ 4,928,000 | $ 164,000 | $ 101,000 |
| Hamilton County Ohio | 30 | $ 4,507,000 | $ 150,000 | $ 5,000 |
| Clinton County Michigan | 29 | $ 5,184,000 | $ 178,000 | $ 35,000 |
| St. Joseph County Michigan | 29 | $ 4,320,000 | $ 148,000 | $ 71,000 |
| Morris County New Jersey | 29 | $ 10,969,000 | $ 378,000 | $ 4,000 |
| Stark County Ohio | 29 | $ 4,689,000 | $ 161,000 | $ 0 |
| Henrico County Virginia | 28 | $ 6,798,000 | $ 242,000 | $ 0 |
| Loudoun County Virginia | 28 | $ 7,905,000 | $ 282,000 | $ 0 |
| Norfolk County Virginia | 27 | $ 5,129,000 | $ 189,000 | $ 0 |
| Butler County Ohio | 26 | $ 3,414,000 | $ 131,000 | $ 2,000 |
| Chesterfield County Virginia | 26 | $ 5,693,000 | $ 218,000 | $ 0 |
| Fairfax County Virginia | 25 | $ 6,882,000 | $ 275,000 | $ 0 |
| Hudson County New Jersey | 24 | $ 9,631,000 | $ 401,000 | $ 0 |
| Hamilton County Indiana | 23 | $ 4,925,000 | $ 214,000 | $ 2,000 |
| Lake County Michigan | 23 | $ 2,207,000 | $ 95,000 | $ 103,000 |
| New Castle County Delaware | 22 | $ 4,174,000 | $ 189,000 | $ 0 |
| Marion County Indiana | 21 | $ 3,028,000 | $ 144,000 | $ 12,000 |
| Durham County North Carolina | 19 | $ 3,265,000 | $ 171,000 | $ 0 |
| Chester County Pennsylvania | 19 | $ 5,863,000 | $ 308,000 | $ 0 |
| Montgomery County Pennsylvania | 19 | $ 5,401,000 | $ 284,000 | $ 0 |
| Suffolk County Virginia | 19 | $ 3,958,000 | $ 208,000 | $ 0 |
| Jackson County Michigan | 18 | $ 2,939,000 | $ 163,000 | $ 53,000 |
| Union County North Carolina | 18 | $ 4,071,000 | $ 226,000 | $ 0 |
| Manistee County Michigan | 16 | $ 3,277,000 | $ 204,000 | $ 102,000 |
| Delaware County Pennsylvania | 16 | $ 3,659,000 | $ 228,000 | $ 0 |
| Greenville County South Carolina | 16 | $ 3,789,000 | $ 236,000 | $ 0 |
| Eaton County Michigan | 15 | $ 2,325,000 | $ 155,000 | $ 79,000 |
| Forsyth County North Carolina | 15 | $ 2,960,000 | $ 197,000 | $ 0 |
| New Hanover County North Carolina | 15 | $ 3,005,000 | $ 200,000 | $ 0 |
| Portsmouth County Virginia | 15 | $ 2,214,000 | $ 147,000 | $ 0 |
| Lake County Indiana | 14 | $ 1,715,000 | $ 122,000 | $ 15,000 |
| Essex County New Jersey | 14 | $ 5,655,000 | $ 403,000 | $ 0 |
| Allegheny County Pennsylvania | 14 | $ 4,473,000 | $ 319,000 | $ 0 |
| Bucks County Pennsylvania | 14 | $ 4,179,000 | $ 298,000 | $ 0 |
| Philadelphia County Pennsylvania | 14 | $ 3,219,000 | $ 229,000 | $ 0 |
| York County South Carolina | 14 | $ 3,120,000 | $ 222,000 | $ 0 |
| Washington County Wisconsin | 14 | $ 2,485,000 | $ 177,000 | $ 0 |
| Cheboygan County Michigan | 13 | $ 2,488,000 | $ 191,000 | $ 244,000 |
| Mason County Michigan | 13 | $ 2,385,000 | $ 183,000 | $ 80,000 |
| Delaware County Ohio | 13 | $ 3,040,000 | $ 233,000 | $ 21,000 |
| Montgomery County Ohio | 13 | $ 2,209,000 | $ 169,000 | $ 0 |
| Kane County Illinois | 12 | $ 3,570,000 | $ 297,000 | $ 9,000 |
| Currituck County North Carolina | 12 | $ 3,812,000 | $ 317,000 | $ 0 |
| Guilford County North Carolina | 12 | $ 2,278,000 | $ 189,000 | $ 0 |
| Johnston County North Carolina | 12 | $ 1,868,000 | $ 155,000 | $ 0 |
| Pitt County North Carolina | 12 | $ 1,563,000 | $ 130,000 | $ 0 |
| Randolph County North Carolina | 12 | $ 1,464,000 | $ 122,000 | $ 0 |
| Hanover County Virginia | 12 | $ 2,424,000 | $ 202,000 | $ 0 |
| Frederick County Maryland | 11 | $ 2,846,000 | $ 258,000 | $ 0 |
| Hennepin County Minnesota | 11 | $ 1,892,000 | $ 172,000 | $ 0 |
| Dare County North Carolina | 11 | $ 2,672,000 | $ 242,000 | $ 0 |
| Lake County Ohio | 11 | $ 2,047,000 | $ 186,000 | $ 0 |
| James City County Virginia | 11 | $ 2,363,000 | $ 214,000 | $ 0 |
| Dane County Wisconsin | 11 | $ 2,445,000 | $ 222,000 | $ 8,000 |
| Lake County Illinois | 10 | $ 2,680,000 | $ 268,000 | $ 17,000 |
| Lapeer County Michigan | 10 | $ 1,548,000 | $ 154,000 | $ 21,000 |
| Roscommon County Michigan | 10 | $ 1,207,000 | $ 120,000 | $ 58,000 |
| Middlesex County New Jersey | 10 | $ 2,866,000 | $ 286,000 | $ 0 |
| Monmouth County New Jersey | 10 | $ 4,724,000 | $ 472,000 | $ 0 |
| Clermont County Ohio | 10 | $ 1,368,000 | $ 136,000 | $ 0 |
| Spotsylvania County Virginia | 10 | $ 1,991,000 | $ 199,000 | $ 0 |
| Missaukee County Michigan | 9 | $ 1,014,000 | $ 112,000 | $ 101,000 |
| Monroe County Michigan | 9 | $ 1,335,000 | $ 148,000 | $ 35,000 |
| Wexford County Michigan | 9 | $ 1,091,000 | $ 121,000 | $ 75,000 |
| Cape May County New Jersey | 9 | $ 2,092,000 | $ 232,000 | $ 0 |
| Spartanburg County South Carolina | 9 | $ 2,203,000 | $ 244,000 | $ 0 |
| Fauquier County Virginia | 9 | $ 2,945,000 | $ 327,000 | $ 0 |
| Hampton County Virginia | 9 | $ 1,136,000 | $ 126,000 | $ 0 |
| District of Columbia County District Of Columbia | 8 | $ 2,837,000 | $ 354,000 | $ 0 |
| Montgomery County Maryland | 8 | $ 1,871,000 | $ 233,000 | $ 0 |
| Branch County Michigan | 8 | $ 1,464,000 | $ 183,000 | $ 125,000 |
| Lenawee County Michigan | 8 | $ 1,062,000 | $ 132,000 | $ 15,000 |
| Mackinac County Michigan | 8 | $ 1,234,000 | $ 154,000 | $ 94,000 |
| Otsego County Michigan | 8 | $ 1,154,000 | $ 144,000 | $ 93,000 |
| Sanilac County Michigan | 8 | $ 1,579,000 | $ 197,000 | $ 100,000 |
| Bergen County New Jersey | 8 | $ 3,256,000 | $ 407,000 | $ 0 |
| Geauga County Ohio | 8 | $ 2,214,000 | $ 276,000 | $ 22,000 |
| Charleston County South Carolina | 8 | $ 1,966,000 | $ 245,000 | $ 0 |
| Accomack County Virginia | 8 | $ 1,199,000 | $ 149,000 | $ 0 |
| Prince William County Virginia | 8 | $ 1,879,000 | $ 234,000 | $ 0 |
| Richmond City County Virginia | 8 | $ 1,836,000 | $ 229,000 | $ 0 |
| York County Virginia | 8 | $ 1,831,000 | $ 228,000 | $ 0 |
| Hendricks County Indiana | 7 | $ 1,091,000 | $ 155,000 | $ 0 |
| Howard County Maryland | 7 | $ 2,276,000 | $ 325,000 | $ 0 |
| Isabella County Michigan | 7 | $ 719,000 | $ 102,000 | $ 68,000 |
| Osceola County Michigan | 7 | $ 589,000 | $ 84,000 | $ 79,000 |
| Cabarrus County North Carolina | 7 | $ 1,617,000 | $ 231,000 | $ 0 |
| Iredell County North Carolina | 7 | $ 925,000 | $ 132,000 | $ 0 |
| Pasquotank County North Carolina | 7 | $ 1,004,000 | $ 143,000 | $ 0 |
| Lorain County Ohio | 7 | $ 1,607,000 | $ 229,000 | $ 0 |
| Summit County Ohio | 7 | $ 1,290,000 | $ 184,000 | $ 24,000 |
| Knox County Tennessee | 7 | $ 2,755,000 | $ 393,000 | $ 0 |
| Arlington County Virginia | 7 | $ 1,924,000 | $ 274,000 | $ 0 |
| Roanoke City County Virginia | 7 | $ 638,000 | $ 91,000 | $ 0 |
| Sussex County Delaware | 6 | $ 1,504,000 | $ 250,000 | $ 0 |
| Kendall County Illinois | 6 | $ 1,240,000 | $ 206,000 | $ 0 |
| Johnson County Indiana | 6 | $ 1,071,000 | $ 178,000 | $ 8,000 |
| St. Joseph County Indiana | 6 | $ 738,000 | $ 123,000 | $ 58,000 |
| Anne Arundel County Maryland | 6 | $ 1,506,000 | $ 251,000 | $ 0 |
| Buncombe County North Carolina | 6 | $ 912,000 | $ 152,000 | $ 0 |
| Chatham County North Carolina | 6 | $ 1,714,000 | $ 285,000 | $ 0 |
| Lancaster County Pennsylvania | 6 | $ 838,000 | $ 139,000 | $ 0 |
| Fayette County Tennessee | 6 | $ 1,269,000 | $ 211,000 | $ 0 |
| McHenry County Illinois | 5 | $ 976,000 | $ 195,000 | $ 0 |
| Baltimore County Maryland | 5 | $ 953,000 | $ 190,000 | $ 0 |
| Baltimore City County Maryland | 5 | $ 1,358,000 | $ 271,000 | $ 0 |
| Prince George's County Maryland | 5 | $ 1,134,000 | $ 226,000 | $ 0 |
| Crawford County Michigan | 5 | $ 554,000 | $ 110,000 | $ 23,000 |
| Tuscola County Michigan | 5 | $ 549,000 | $ 109,000 | $ 23,000 |
| Camden County New Jersey | 5 | $ 1,128,000 | $ 225,000 | $ 0 |
| Somerset County New Jersey | 5 | $ 1,754,000 | $ 350,000 | $ 0 |
| Union County New Jersey | 5 | $ 1,837,000 | $ 367,000 | $ 0 |
| Alexandria County Virginia | 5 | $ 1,336,000 | $ 267,000 | $ 0 |
| Newport News County Virginia | 5 | $ 477,000 | $ 95,000 | $ 0 |
| Northampton County Virginia | 5 | $ 993,000 | $ 198,000 | $ 0 |
| Salem County Virginia | 5 | $ 602,000 | $ 120,000 | $ 0 |
| Kenosha County Wisconsin | 5 | $ 582,000 | $ 116,000 | $ 0 |
| Racine County Wisconsin | 5 | $ 866,000 | $ 173,000 | $ 0 |
| Hancock County Indiana | 4 | $ 697,000 | $ 174,000 | $ 0 |
| Cecil County Maryland | 4 | $ 848,000 | $ 212,000 | $ 0 |
| Charles County Maryland | 4 | $ 729,000 | $ 182,000 | $ 0 |
| Clare County Michigan | 4 | $ 463,000 | $ 115,000 | $ 27,000 |
| Marquette County Michigan | 4 | $ 712,000 | $ 178,000 | $ 18,000 |
| Shiawassee County Michigan | 4 | $ 729,000 | $ 182,000 | $ 68,000 |
| Washington County Minnesota | 4 | $ 632,000 | $ 158,000 | $ 0 |
| Gloucester County New Jersey | 4 | $ 945,000 | $ 236,000 | $ 0 |
| Passaic County New Jersey | 4 | $ 1,028,000 | $ 257,000 | $ 0 |
| Davidson County North Carolina | 4 | $ 484,000 | $ 121,000 | $ 0 |
| Portage County Ohio | 4 | $ 1,313,000 | $ 328,000 | $ 38,000 |
| Warren County Ohio | 4 | $ 829,000 | $ 207,000 | $ 0 |
| Washington County Pennsylvania | 4 | $ 1,199,000 | $ 299,000 | $ 0 |
| Aiken County South Carolina | 4 | $ 728,000 | $ 182,000 | $ 0 |
| Berkeley County South Carolina | 4 | $ 852,000 | $ 213,000 | $ 0 |
| Albemarle County Virginia | 4 | $ 1,018,000 | $ 254,000 | $ 0 |
| Colonial Heights County Virginia | 4 | $ 453,000 | $ 113,000 | $ 0 |
| Roanoke County Virginia | 4 | $ 749,000 | $ 187,000 | $ 0 |
| Rockingham County Virginia | 4 | $ 795,000 | $ 198,000 | $ 0 |
| Adams County Indiana | 3 | $ 334,000 | $ 111,000 | $ 0 |
| Boone County Indiana | 3 | $ 696,000 | $ 232,000 | $ 0 |
| Madison County Indiana | 3 | $ 313,000 | $ 104,000 | $ 0 |
| Montgomery County Indiana | 3 | $ 195,000 | $ 65,000 | $ 0 |
| Kenton County Kentucky | 3 | $ 378,000 | $ 126,000 | $ 0 |
| Alpena County Michigan | 3 | $ 468,000 | $ 156,000 | $ 100,000 |
| Gladwin County Michigan | 3 | $ 348,000 | $ 116,000 | $ 0 |
| Iosco County Michigan | 3 | $ 246,000 | $ 82,000 | $ 16,000 |
| Ogemaw County Michigan | 3 | $ 358,000 | $ 119,000 | $ 97,000 |
| Oscoda County Michigan | 3 | $ 229,000 | $ 76,000 | $ 28,000 |
| Anoka County Minnesota | 3 | $ 505,000 | $ 168,000 | $ 27,000 |
| Carteret County North Carolina | 3 | $ 544,000 | $ 181,000 | $ 0 |
| Orange County North Carolina | 3 | $ 679,000 | $ 226,000 | $ 0 |
| Belmont County Ohio | 3 | $ 566,000 | $ 188,000 | $ 0 |
| Greene County Ohio | 3 | $ 512,000 | $ 170,000 | $ 0 |
| Madison County Ohio | 3 | $ 697,000 | $ 232,000 | $ 0 |
| Beaver County Pennsylvania | 3 | $ 726,000 | $ 242,000 | $ 0 |
| Berks County Pennsylvania | 3 | $ 415,000 | $ 138,000 | $ 0 |
| Butler County Pennsylvania | 3 | $ 1,159,000 | $ 386,000 | $ 0 |
| Westmoreland County Pennsylvania | 3 | $ 1,009,000 | $ 336,000 | $ 0 |
| Lancaster County South Carolina | 3 | $ 713,000 | $ 237,000 | $ 0 |
| Unicoi County Tennessee | 3 | $ 261,000 | $ 87,000 | $ 0 |
| Augusta County Virginia | 3 | $ 526,000 | $ 175,000 | $ 0 |
| Bedford County Virginia | 3 | $ 437,000 | $ 145,000 | $ 0 |
| Frederick County Virginia | 3 | $ 869,000 | $ 289,000 | $ 0 |
| Southampton County Virginia | 3 | $ 200,000 | $ 66,000 | $ 0 |
| Stafford County Virginia | 3 | $ 527,000 | $ 175,000 | $ 0 |
| Brown County Wisconsin | 3 | $ 463,000 | $ 154,000 | $ 5,000 |
| Outagamie County Wisconsin | 3 | $ 187,000 | $ 62,000 | $ 0 |
| Rock County Wisconsin | 3 | $ 323,000 | $ 107,000 | $ 0 |
| Sheboygan County Wisconsin | 3 | $ 379,000 | $ 126,000 | $ 0 |
| Vilas County Wisconsin | 3 | $ 356,000 | $ 118,000 | $ 59,000 |
| Walworth County Wisconsin | 3 | $ 605,000 | $ 201,000 | $ 78,000 |
| Bartholomew County Indiana | 2 | $ 249,000 | $ 124,000 | $ 0 |
| Campbell County Kentucky | 2 | $ 351,000 | $ 175,000 | $ 0 |
| Jefferson County Kentucky | 2 | $ 383,000 | $ 191,000 | $ 0 |
| Calvert County Maryland | 2 | $ 722,000 | $ 361,000 | $ 0 |
| Harford County Maryland | 2 | $ 666,000 | $ 333,000 | $ 0 |
| Washington County Maryland | 2 | $ 451,000 | $ 225,000 | $ 0 |
| Worcester County Maryland | 2 | $ 248,000 | $ 124,000 | $ 0 |
| Alcona County Michigan | 2 | $ 198,000 | $ 99,000 | $ 108,000 |
| Chippewa County Michigan | 2 | $ 217,000 | $ 108,000 | $ 23,000 |
| Delta County Michigan | 2 | $ 287,000 | $ 143,000 | $ 96,000 |
| Gratiot County Michigan | 2 | $ 153,000 | $ 76,000 | $ 46,000 |
| Hillsdale County Michigan | 2 | $ 314,000 | $ 157,000 | $ 67,000 |
| Montmorency County Michigan | 2 | $ 138,000 | $ 69,000 | $ 11,000 |
| Scott County Minnesota | 2 | $ 389,000 | $ 194,000 | $ 0 |
| Burlington County New Jersey | 2 | $ 603,000 | $ 301,000 | $ 0 |
| Mercer County New Jersey | 2 | $ 726,000 | $ 363,000 | $ 0 |
| Brunswick County North Carolina | 2 | $ 405,000 | $ 202,000 | $ 0 |
| Camden County North Carolina | 2 | $ 177,000 | $ 88,000 | $ 0 |
| Gaston County North Carolina | 2 | $ 559,000 | $ 279,000 | $ 0 |
| Granville County North Carolina | 2 | $ 198,000 | $ 99,000 | $ 0 |
| Nash County North Carolina | 2 | $ 346,000 | $ 173,000 | $ 0 |
| Onslow County North Carolina | 2 | $ 397,000 | $ 198,000 | $ 0 |
| Clinton County Ohio | 2 | $ 288,000 | $ 144,000 | $ 0 |
| Fairfield County Ohio | 2 | $ 290,000 | $ 145,000 | $ 0 |
| Lucas County Ohio | 2 | $ 164,000 | $ 82,000 | $ 15,000 |
| Mahoning County Ohio | 2 | $ 102,000 | $ 51,000 | $ 0 |
| Miami County Ohio | 2 | $ 254,000 | $ 127,000 | $ 0 |
| Union County Ohio | 2 | $ 698,000 | $ 349,000 | $ 0 |
| Wood County Ohio | 2 | $ 253,000 | $ 126,000 | $ 0 |
| Adams County Pennsylvania | 2 | $ 391,000 | $ 195,000 | $ 0 |
| Northampton County Pennsylvania | 2 | $ 568,000 | $ 284,000 | $ 0 |
| Lexington County South Carolina | 2 | $ 324,000 | $ 162,000 | $ 0 |
| Pickens County South Carolina | 2 | $ 199,000 | $ 99,000 | $ 0 |
| Anderson County Tennessee | 2 | $ 499,000 | $ 249,000 | $ 0 |
| Davidson County Tennessee | 2 | $ 244,000 | $ 122,000 | $ 0 |
| Washington County Tennessee | 2 | $ 666,000 | $ 333,000 | $ 0 |
| Fredericksburg County Virginia | 2 | $ 430,000 | $ 215,000 | $ 0 |
| Goochland County Virginia | 2 | $ 686,000 | $ 343,000 | $ 0 |
| Isle of Wight County Virginia | 2 | $ 351,000 | $ 175,000 | $ 0 |
| Louisa County Virginia | 2 | $ 497,000 | $ 248,000 | $ 0 |
| Manassas County Virginia | 2 | $ 429,000 | $ 214,000 | $ 0 |
| Manassas Park County Virginia | 2 | $ 296,000 | $ 148,000 | $ 0 |
| Prince George County Virginia | 2 | $ 398,000 | $ 199,000 | $ 0 |
| Pulaski County Virginia | 2 | $ 264,000 | $ 132,000 | $ 0 |
| Green County Wisconsin | 2 | $ 252,000 | $ 126,000 | $ 0 |
| Kewaunee County Wisconsin | 2 | $ 378,000 | $ 189,000 | $ 0 |
| Polk County Wisconsin | 2 | $ 366,000 | $ 183,000 | $ 0 |
| Portage County Wisconsin | 2 | $ 106,000 | $ 53,000 | $ 0 |
| Richland County Wisconsin | 2 | $ 296,000 | $ 148,000 | $ 0 |
| Sauk County Wisconsin | 2 | $ 240,000 | $ 120,000 | $ 0 |
| Kent County Delaware | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Broward County Florida | 1 | $ 117,000 | $ 117,000 | $ 60,000 |
| Boone County Illinois | 1 | $ 191,000 | $ 191,000 | $ 0 |
| Kankakee County Illinois | 1 | $ 158,000 | $ 158,000 | $ 0 |
| Madison County Illinois | 1 | $ 111,000 | $ 111,000 | $ 0 |
| Winnebago County Illinois | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Allen County Indiana | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Brown County Indiana | 1 | $ 153,000 | $ 153,000 | $ 0 |
| Elkhart County Indiana | 1 | $ 104,000 | $ 104,000 | $ 37,000 |
| Franklin County Indiana | 1 | $ 120,000 | $ 120,000 | $ 0 |
| Howard County Indiana | 1 | $ 284,000 | $ 284,000 | $ 0 |
| Kosciusko County Indiana | 1 | $ 98,000 | $ 98,000 | $ 0 |
| LaPorte County Indiana | 1 | $ 168,000 | $ 168,000 | $ 0 |
| Marshall County Indiana | 1 | $ 45,000 | $ 45,000 | $ 153,000 |
| Morgan County Indiana | 1 | $ 241,000 | $ 241,000 | $ 0 |
| Wabash County Indiana | 1 | $ 32,000 | $ 32,000 | $ 0 |
| Whitley County Indiana | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Boone County Kentucky | 1 | $ 43,000 | $ 43,000 | $ 0 |
| Henderson County Kentucky | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Nelson County Kentucky | 1 | $ 82,000 | $ 82,000 | $ 0 |
| Scott County Kentucky | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Shelby County Kentucky | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Queen Anne's County Maryland | 1 | $ 206,000 | $ 206,000 | $ 0 |
| Wicomico County Maryland | 1 | $ 233,000 | $ 233,000 | $ 0 |
| Arenac County Michigan | 1 | $ 280,000 | $ 280,000 | $ 832,000 |
| Huron County Michigan | 1 | $ 93,000 | $ 93,000 | $ 50,000 |
| Menominee County Michigan | 1 | $ 191,000 | $ 191,000 | $ 87,000 |
| Dakota County Minnesota | 1 | $ 151,000 | $ 151,000 | $ 0 |
| Freeborn County Minnesota | 1 | $ 150,000 | $ 150,000 | $ 0 |
| Goodhue County Minnesota | 1 | $ 285,000 | $ 285,000 | $ 0 |
| Isanti County Minnesota | 1 | $ 123,000 | $ 123,000 | $ 102,000 |
| Norman County Minnesota | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Ramsey County Minnesota | 1 | $ 180,000 | $ 180,000 | $ 0 |
| Sherburne County Minnesota | 1 | $ 130,000 | $ 130,000 | $ 0 |
| St. Louis County Minnesota | 1 | $ 315,000 | $ 315,000 | $ 0 |
| Wadena County Minnesota | 1 | $ 128,000 | $ 128,000 | $ 0 |
| Wright County Minnesota | 1 | $ 180,000 | $ 180,000 | $ 0 |
| Yellow Medicine County Minnesota | 1 | $ 331,000 | $ 331,000 | $ 0 |
| Hunterdon County New Jersey | 1 | $ 354,000 | $ 354,000 | $ 0 |
| Ocean County New Jersey | 1 | $ 257,000 | $ 257,000 | $ 0 |
| Sussex County New Jersey | 1 | $ 250,000 | $ 250,000 | $ 0 |
| Warren County New Jersey | 1 | $ 168,000 | $ 168,000 | $ 0 |
| Alamance County North Carolina | 1 | $ 124,000 | $ 124,000 | $ 0 |
| Beaufort County North Carolina | 1 | $ 150,000 | $ 150,000 | $ 0 |
| Catawba County North Carolina | 1 | $ 161,000 | $ 161,000 | $ 0 |
| Cumberland County North Carolina | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Davie County North Carolina | 1 | $ 322,000 | $ 322,000 | $ 0 |
| Duplin County North Carolina | 1 | $ 213,000 | $ 213,000 | $ 0 |
| Franklin County North Carolina | 1 | $ 274,000 | $ 274,000 | $ 0 |
| Hoke County North Carolina | 1 | $ 305,000 | $ 305,000 | $ 0 |
| Lee County North Carolina | 1 | $ 129,000 | $ 129,000 | $ 0 |
| Pender County North Carolina | 1 | $ 70,000 | $ 70,000 | $ 0 |
| Rowan County North Carolina | 1 | $ 132,000 | $ 132,000 | $ 0 |
| Transylvania County North Carolina | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Vance County North Carolina | 1 | $ 226,000 | $ 226,000 | $ 0 |
| Watauga County North Carolina | 1 | $ 314,000 | $ 314,000 | $ 0 |
| Wilson County North Carolina | 1 | $ 82,000 | $ 82,000 | $ 0 |
| Ashland County Ohio | 1 | $ 38,000 | $ 38,000 | $ 0 |
| Brown County Ohio | 1 | $ 244,000 | $ 244,000 | $ 0 |
| Erie County Ohio | 1 | $ 90,000 | $ 90,000 | $ 0 |
| Jefferson County Ohio | 1 | $ 190,000 | $ 190,000 | $ 0 |
| Knox County Ohio | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Licking County Ohio | 1 | $ 106,000 | $ 106,000 | $ 0 |
| Logan County Ohio | 1 | $ 235,000 | $ 235,000 | $ 0 |
| Medina County Ohio | 1 | $ 409,000 | $ 409,000 | $ 0 |
| Mercer County Ohio | 1 | $ 117,000 | $ 117,000 | $ 0 |
| Richland County Ohio | 1 | $ 101,000 | $ 101,000 | $ 0 |
| Seneca County Ohio | 1 | $ 138,000 | $ 138,000 | $ 0 |
| Trumbull County Ohio | 1 | $ 33,000 | $ 33,000 | $ 0 |
| Van Wert County Ohio | 1 | $ 70,000 | $ 70,000 | $ 0 |
| Wayne County Ohio | 1 | $ 164,000 | $ 164,000 | $ 0 |
| Dauphin County Pennsylvania | 1 | $ 120,000 | $ 120,000 | $ 0 |
| Franklin County Pennsylvania | 1 | $ 147,000 | $ 147,000 | $ 0 |
| Lackawanna County Pennsylvania | 1 | $ 97,000 | $ 97,000 | $ 0 |
| Lebanon County Pennsylvania | 1 | $ 40,000 | $ 40,000 | $ 0 |
| Lehigh County Pennsylvania | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Luzerne County Pennsylvania | 1 | $ 242,000 | $ 242,000 | $ 0 |
| Montour County Pennsylvania | 1 | $ 213,000 | $ 213,000 | $ 0 |
| Anderson County South Carolina | 1 | $ 70,000 | $ 70,000 | $ 0 |
| Beaufort County South Carolina | 1 | $ 154,000 | $ 154,000 | $ 0 |
| Clarendon County South Carolina | 1 | $ 120,000 | $ 120,000 | $ 0 |
| Colleton County South Carolina | 1 | $ 235,000 | $ 235,000 | $ 0 |
| Edgefield County South Carolina | 1 | $ 98,000 | $ 98,000 | $ 0 |
| Horry County South Carolina | 1 | $ 119,000 | $ 119,000 | $ 0 |
| Blount County Tennessee | 1 | $ 131,000 | $ 131,000 | $ 0 |
| Grainger County Tennessee | 1 | $ 144,000 | $ 144,000 | $ 0 |
| Sullivan County Tennessee | 1 | $ 100,000 | $ 100,000 | $ 0 |
| Tipton County Tennessee | 1 | $ 198,000 | $ 198,000 | $ 0 |
| Amelia County Virginia | 1 | $ 68,000 | $ 68,000 | $ 0 |
| Amherst County Virginia | 1 | $ 140,000 | $ 140,000 | $ 0 |
| Caroline County Virginia | 1 | $ 194,000 | $ 194,000 | $ 0 |
| Charlottesville County Virginia | 1 | $ 200,000 | $ 200,000 | $ 0 |
| Essex County Virginia | 1 | $ 118,000 | $ 118,000 | $ 0 |
| Floyd County Virginia | 1 | $ 66,000 | $ 66,000 | $ 0 |
| Galax County Virginia | 1 | $ 87,000 | $ 87,000 | $ 0 |
| Gloucester County Virginia | 1 | $ 125,000 | $ 125,000 | $ 0 |
| King and Queen County Virginia | 1 | $ 104,000 | $ 104,000 | $ 0 |
| Lancaster County Virginia | 1 | $ 113,000 | $ 113,000 | $ 0 |
| Lynchburg County Virginia | 1 | $ 226,000 | $ 226,000 | $ 0 |
| Montgomery County Virginia | 1 | $ 146,000 | $ 146,000 | $ 0 |
| New Kent County Virginia | 1 | $ 202,000 | $ 202,000 | $ 0 |
| Northumberland County Virginia | 1 | $ 405,000 | $ 405,000 | $ 0 |
| Page County Virginia | 1 | $ 94,000 | $ 94,000 | $ 0 |
| Pittsylvania County Virginia | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Poquoson County Virginia | 1 | $ 290,000 | $ 290,000 | $ 0 |
| Powhatan County Virginia | 1 | $ 249,000 | $ 249,000 | $ 0 |
| Radford County Virginia | 1 | $ 164,000 | $ 164,000 | $ 0 |
| Cabell County West Virginia | 1 | $ 150,000 | $ 150,000 | $ 0 |
| Columbia County Wisconsin | 1 | $ 194,000 | $ 194,000 | $ 0 |
| Door County Wisconsin | 1 | $ 262,000 | $ 262,000 | $ 0 |
| Iowa County Wisconsin | 1 | $ 149,000 | $ 149,000 | $ 0 |
| Langlade County Wisconsin | 1 | $ 48,000 | $ 48,000 | $ 0 |
| Oneida County Wisconsin | 1 | $ 89,000 | $ 89,000 | $ 0 |
| Ozaukee County Wisconsin | 1 | $ 409,000 | $ 409,000 | $ 0 |
| Shawano County Wisconsin | 1 | $ 134,000 | $ 134,000 | $ 0 |
| St. Croix County Wisconsin | 1 | $ 126,000 | $ 126,000 | $ 0 |
| Winnebago County Wisconsin | 1 | $ 142,000 | $ 142,000 | $ 74,000 |
Mortgage Loan Application Detail Totals for Lake Michigan Credit Union in 2013
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 | 7,315 | $1,284,912,000 | $175,000 | $1,957,000 | $69,000 | $7,927,000 |
| Refinancing | 6,869 | $1,111,573,000 | $161,000 | $3,000,000 | $64,000 | $6,060,000 |
| Home Improvement | 118 | $6,624,000 | $56,000 | $364,000 | $79,000 | $465,000 |
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 | 9,226 | $1,432,776,000 | $155,000 | $3,000,000 | $89,000 | $7,927,000 |
| Not applicable | 3,822 | $760,600,000 | $199,000 | $1,000,000 | $0 | $0 |
| Not Provided | 833 | $150,342,000 | $180,000 | $1,250,000 | $122,000 | $6,060,000 |
| Hispanic | 146 | $19,797,000 | $135,000 | $712,000 | $68,000 | $445,000 |
| Black or African American | 135 | $19,063,000 | $141,000 | $1,178,000 | $75,000 | $625,000 |
| Asian | 114 | $16,457,000 | $144,000 | $666,000 | $80,000 | $357,000 |
| American Indian or Alaskan Native | 18 | $2,630,000 | $146,000 | $283,000 | $80,000 | $174,000 |
| Native Hawaiian or Other Pacific Islander | 8 | $1,444,000 | $180,000 | $381,000 | $112,000 | $189,000 |
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) | 12,841 | $2,217,701,000 | $172,000 | $3,000,000 | $68,000 | $7,927,000 |
| FHA-insured (Federal Housing Administration) | 1,019 | $118,296,000 | $116,000 | $312,000 | $49,000 | $771,000 |
| VA-guaranteed (Veterans Administration) | 222 | $40,549,000 | $182,000 | $677,000 | $80,000 | $395,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 220 | $26,563,000 | $120,000 | $268,000 | $43,000 | $86,000 |
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 | 7,671 | $1,173,849,000 | $153,000 | $1,957,000 | $87,000 | $2,486,000 |
| Loan Purchased By The Institution | 3,816 | $759,983,000 | $199,000 | $1,000,000 | $0 | $185,000 |
| Application Denied By Financial Institution | 1,073 | $179,090,000 | $166,000 | $3,000,000 | $85,000 | $2,057,000 |
| File Closed For Incompleteness | 829 | $144,624,000 | $174,000 | $1,275,000 | $120,000 | $6,060,000 |
| Application Withdrawn By Applicant | 562 | $92,110,000 | $163,000 | $1,233,000 | $119,000 | $7,927,000 |
| Application Approved But Not Accepted | 341 | $51,634,000 | $151,000 | $636,000 | $91,000 | $803,000 |
| Preapproval Denied by Financial Institution | 10 | $1,819,000 | $181,000 | $500,000 | $67,000 | $219,000 |
| Preapproval Approved but not Accepted | 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 |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Lake Michigan Credit Union's 2013 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.