Lake Michigan Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2014
Lake Michigan Credit Union 2014 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 | 12,847 |
| Total Mortgage Loan Application Amount | $2,340,717,000 |
| Average Mortgage Loan Application Amount | $133,666 |
| Highest Mortgage Loan Application Amount | $1,790,000 |
| Average Applicant Income | $81,000 |
| Highest Applicant Income | $2,136,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2014 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 2014 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 2014.
| 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 | 3,608 | $ 535,550,000 | $ 148,000 | $ 84,000 |
| Ottawa County Michigan | 1,667 | $ 262,096,000 | $ 157,000 | $ 82,000 |
| Oakland County Michigan | 883 | $ 239,415,000 | $ 271,000 | $ 120,000 |
| Kalamazoo County Michigan | 837 | $ 147,086,000 | $ 175,000 | $ 95,000 |
| Wayne County Michigan | 481 | $ 90,101,000 | $ 187,000 | $ 92,000 |
| Muskegon County Michigan | 379 | $ 51,248,000 | $ 135,000 | $ 80,000 |
| Grand Traverse County Michigan | 340 | $ 70,939,000 | $ 208,000 | $ 114,000 |
| Allegan County Michigan | 334 | $ 54,095,000 | $ 161,000 | $ 87,000 |
| Genesee County Michigan | 278 | $ 45,462,000 | $ 163,000 | $ 100,000 |
| Macomb County Michigan | 229 | $ 44,595,000 | $ 194,000 | $ 68,000 |
| Van Buren County Michigan | 155 | $ 23,717,000 | $ 153,000 | $ 88,000 |
| Barry County Michigan | 149 | $ 25,040,000 | $ 168,000 | $ 78,000 |
| Livingston County Michigan | 118 | $ 33,904,000 | $ 287,000 | $ 119,000 |
| Cook County Illinois | 114 | $ 28,867,000 | $ 253,000 | $ 11,000 |
| Saginaw County Michigan | 114 | $ 15,468,000 | $ 135,000 | $ 79,000 |
| Wake County North Carolina | 111 | $ 22,670,000 | $ 204,000 | $ 0 |
| Washtenaw County Michigan | 97 | $ 24,683,000 | $ 254,000 | $ 109,000 |
| Leelanau County Michigan | 96 | $ 28,655,000 | $ 298,000 | $ 153,000 |
| Montcalm County Michigan | 78 | $ 9,266,000 | $ 118,000 | $ 71,000 |
| Ionia County Michigan | 74 | $ 8,846,000 | $ 119,000 | $ 67,000 |
| Berrien County Michigan | 73 | $ 11,429,000 | $ 156,000 | $ 82,000 |
| Newaygo County Michigan | 61 | $ 6,659,000 | $ 109,000 | $ 87,000 |
| Antrim County Michigan | 60 | $ 11,887,000 | $ 198,000 | $ 128,000 |
| Loudoun County Virginia | 57 | $ 25,158,000 | $ 441,000 | $ 0 |
| Virginia Beach County Virginia | 53 | $ 12,535,000 | $ 236,000 | $ 0 |
| Cuyahoga County Ohio | 51 | $ 9,140,000 | $ 179,000 | $ 2,000 |
| Charlevoix County Michigan | 50 | $ 10,733,000 | $ 214,000 | $ 155,000 |
| Franklin County Ohio | 50 | $ 9,229,000 | $ 184,000 | $ 22,000 |
| Oceana County Michigan | 45 | $ 6,482,000 | $ 144,000 | $ 84,000 |
| Benzie County Michigan | 39 | $ 6,686,000 | $ 171,000 | $ 127,000 |
| Lapeer County Michigan | 39 | $ 7,863,000 | $ 201,000 | $ 82,000 |
| Montgomery County Maryland | 38 | $ 14,232,000 | $ 374,000 | $ 0 |
| Mecklenburg County North Carolina | 38 | $ 7,777,000 | $ 204,000 | $ 0 |
| Fairfax County Virginia | 37 | $ 14,461,000 | $ 390,000 | $ 0 |
| District of Columbia County District Of Columbia | 33 | $ 13,030,000 | $ 394,000 | $ 0 |
| Marion County Indiana | 32 | $ 4,641,000 | $ 145,000 | $ 5,000 |
| Hamilton County Indiana | 31 | $ 6,718,000 | $ 216,000 | $ 62,000 |
| Frederick County Maryland | 30 | $ 9,050,000 | $ 301,000 | $ 0 |
| Ingham County Michigan | 30 | $ 4,907,000 | $ 163,000 | $ 101,000 |
| Calhoun County Michigan | 29 | $ 4,208,000 | $ 145,000 | $ 86,000 |
| Chesapeake County Virginia | 29 | $ 5,864,000 | $ 202,000 | $ 0 |
| DuPage County Illinois | 28 | $ 8,579,000 | $ 306,000 | $ 0 |
| Bay County Michigan | 28 | $ 4,721,000 | $ 168,000 | $ 91,000 |
| St. Joseph County Michigan | 27 | $ 3,171,000 | $ 117,000 | $ 70,000 |
| New Hanover County North Carolina | 27 | $ 5,394,000 | $ 199,000 | $ 0 |
| Butler County Ohio | 25 | $ 3,688,000 | $ 147,000 | $ 0 |
| Emmet County Michigan | 24 | $ 5,970,000 | $ 248,000 | $ 148,000 |
| Stark County Ohio | 24 | $ 4,402,000 | $ 183,000 | $ 0 |
| Cass County Michigan | 23 | $ 3,684,000 | $ 160,000 | $ 131,000 |
| Kalkaska County Michigan | 23 | $ 3,236,000 | $ 140,000 | $ 130,000 |
| Summit County Ohio | 23 | $ 5,549,000 | $ 241,000 | $ 0 |
| Norfolk County Virginia | 23 | $ 4,506,000 | $ 195,000 | $ 0 |
| St. Clair County Michigan | 22 | $ 4,651,000 | $ 211,000 | $ 79,000 |
| Greenville County South Carolina | 21 | $ 4,273,000 | $ 203,000 | $ 0 |
| Hudson County New Jersey | 20 | $ 5,740,000 | $ 287,000 | $ 0 |
| New Castle County Delaware | 19 | $ 3,399,000 | $ 178,000 | $ 0 |
| Allegheny County Pennsylvania | 19 | $ 5,804,000 | $ 305,000 | $ 0 |
| Chesterfield County Virginia | 19 | $ 4,987,000 | $ 262,000 | $ 0 |
| Milwaukee County Wisconsin | 19 | $ 2,977,000 | $ 156,000 | $ 14,000 |
| Kane County Illinois | 18 | $ 3,987,000 | $ 221,000 | $ 4,000 |
| Manistee County Michigan | 18 | $ 2,181,000 | $ 121,000 | $ 155,000 |
| St. Joseph County Indiana | 17 | $ 1,927,000 | $ 113,000 | $ 64,000 |
| Mecosta County Michigan | 17 | $ 2,650,000 | $ 155,000 | $ 117,000 |
| Morris County New Jersey | 17 | $ 4,749,000 | $ 279,000 | $ 0 |
| Hamilton County Ohio | 17 | $ 2,818,000 | $ 165,000 | $ 51,000 |
| James City County Virginia | 17 | $ 3,220,000 | $ 189,000 | $ 0 |
| Prince William County Virginia | 17 | $ 5,566,000 | $ 327,000 | $ 0 |
| Will County Illinois | 16 | $ 4,631,000 | $ 289,000 | $ 3,000 |
| Durham County North Carolina | 16 | $ 2,975,000 | $ 185,000 | $ 0 |
| York County Pennsylvania | 16 | $ 2,496,000 | $ 156,000 | $ 0 |
| Mason County Michigan | 15 | $ 1,867,000 | $ 124,000 | $ 103,000 |
| Bergen County New Jersey | 15 | $ 3,875,000 | $ 258,000 | $ 0 |
| Washington County Wisconsin | 15 | $ 2,405,000 | $ 160,000 | $ 0 |
| Waukesha County Wisconsin | 15 | $ 4,152,000 | $ 276,000 | $ 3,000 |
| Clinton County Michigan | 14 | $ 3,088,000 | $ 220,000 | $ 95,000 |
| Lake County Michigan | 14 | $ 1,740,000 | $ 124,000 | $ 97,000 |
| Union County North Carolina | 14 | $ 3,005,000 | $ 214,000 | $ 0 |
| Delaware County Ohio | 14 | $ 3,083,000 | $ 220,000 | $ 0 |
| Lorain County Ohio | 14 | $ 3,403,000 | $ 243,000 | $ 0 |
| Washington County Pennsylvania | 14 | $ 4,652,000 | $ 332,000 | $ 0 |
| Henrico County Virginia | 14 | $ 3,571,000 | $ 255,000 | $ 0 |
| Portsmouth County Virginia | 14 | $ 2,048,000 | $ 146,000 | $ 0 |
| Monroe County Michigan | 13 | $ 3,447,000 | $ 265,000 | $ 128,000 |
| Essex County New Jersey | 13 | $ 3,600,000 | $ 276,000 | $ 0 |
| Bucks County Pennsylvania | 13 | $ 4,819,000 | $ 370,000 | $ 0 |
| Anne Arundel County Maryland | 12 | $ 4,063,000 | $ 338,000 | $ 0 |
| Howard County Maryland | 12 | $ 5,252,000 | $ 437,000 | $ 0 |
| Prince George's County Maryland | 12 | $ 4,215,000 | $ 351,000 | $ 0 |
| Eaton County Michigan | 12 | $ 1,484,000 | $ 123,000 | $ 63,000 |
| Guilford County North Carolina | 12 | $ 1,358,000 | $ 113,000 | $ 0 |
| Lancaster County Pennsylvania | 12 | $ 1,929,000 | $ 160,000 | $ 0 |
| Iosco County Michigan | 11 | $ 1,380,000 | $ 125,000 | $ 139,000 |
| Jackson County Michigan | 11 | $ 1,512,000 | $ 137,000 | $ 85,000 |
| Wexford County Michigan | 11 | $ 1,799,000 | $ 163,000 | $ 74,000 |
| Hanover County Virginia | 11 | $ 2,995,000 | $ 272,000 | $ 0 |
| Suffolk County Virginia | 11 | $ 2,160,000 | $ 196,000 | $ 0 |
| Crawford County Michigan | 10 | $ 1,099,000 | $ 109,000 | $ 119,000 |
| Shiawassee County Michigan | 10 | $ 794,000 | $ 79,000 | $ 44,000 |
| Middlesex County New Jersey | 10 | $ 1,950,000 | $ 195,000 | $ 0 |
| Cabarrus County North Carolina | 10 | $ 2,315,000 | $ 231,000 | $ 0 |
| Medina County Ohio | 10 | $ 3,292,000 | $ 329,000 | $ 0 |
| York County South Carolina | 10 | $ 1,521,000 | $ 152,000 | $ 0 |
| Arlington County Virginia | 10 | $ 3,859,000 | $ 385,000 | $ 0 |
| Baltimore County Maryland | 9 | $ 2,638,000 | $ 293,000 | $ 0 |
| Baltimore City County Maryland | 9 | $ 1,708,000 | $ 189,000 | $ 0 |
| Clare County Michigan | 9 | $ 1,102,000 | $ 122,000 | $ 85,000 |
| Roscommon County Michigan | 9 | $ 1,247,000 | $ 138,000 | $ 106,000 |
| Lake County Ohio | 9 | $ 1,803,000 | $ 200,000 | $ 0 |
| Kendall County Illinois | 8 | $ 1,983,000 | $ 247,000 | $ 20,000 |
| McHenry County Illinois | 8 | $ 1,236,000 | $ 154,000 | $ 0 |
| Hendricks County Indiana | 8 | $ 1,082,000 | $ 135,000 | $ 16,000 |
| Gladwin County Michigan | 8 | $ 1,078,000 | $ 134,000 | $ 139,000 |
| Brunswick County North Carolina | 8 | $ 879,000 | $ 109,000 | $ 0 |
| Pitt County North Carolina | 8 | $ 1,149,000 | $ 143,000 | $ 0 |
| Licking County Ohio | 8 | $ 1,577,000 | $ 197,000 | $ 0 |
| Montgomery County Pennsylvania | 8 | $ 2,224,000 | $ 278,000 | $ 0 |
| Philadelphia County Pennsylvania | 8 | $ 1,467,000 | $ 183,000 | $ 0 |
| Newport News County Virginia | 8 | $ 1,243,000 | $ 155,000 | $ 0 |
| Lake County Indiana | 7 | $ 1,000,000 | $ 142,000 | $ 10,000 |
| Lenawee County Michigan | 7 | $ 1,534,000 | $ 219,000 | $ 15,000 |
| Otsego County Michigan | 7 | $ 1,322,000 | $ 188,000 | $ 86,000 |
| Union County New Jersey | 7 | $ 1,867,000 | $ 266,000 | $ 0 |
| Carteret County North Carolina | 7 | $ 1,752,000 | $ 250,000 | $ 0 |
| Currituck County North Carolina | 7 | $ 2,205,000 | $ 315,000 | $ 0 |
| Geauga County Ohio | 7 | $ 1,972,000 | $ 281,000 | $ 0 |
| Butler County Pennsylvania | 7 | $ 2,734,000 | $ 390,000 | $ 0 |
| Chester County Pennsylvania | 7 | $ 2,157,000 | $ 308,000 | $ 0 |
| York County Virginia | 7 | $ 1,613,000 | $ 230,000 | $ 0 |
| Lake County Illinois | 6 | $ 1,909,000 | $ 318,000 | $ 0 |
| Elkhart County Indiana | 6 | $ 1,198,000 | $ 199,000 | $ 190,000 |
| Cheboygan County Michigan | 6 | $ 784,000 | $ 130,000 | $ 145,000 |
| Midland County Michigan | 6 | $ 990,000 | $ 165,000 | $ 117,000 |
| Burlington County New Jersey | 6 | $ 1,063,000 | $ 177,000 | $ 0 |
| Buncombe County North Carolina | 6 | $ 1,618,000 | $ 269,000 | $ 0 |
| Alexandria County Virginia | 6 | $ 2,019,000 | $ 336,000 | $ 0 |
| Sussex County Delaware | 5 | $ 2,506,000 | $ 501,000 | $ 0 |
| Arenac County Michigan | 5 | $ 376,000 | $ 75,000 | $ 44,000 |
| Huron County Michigan | 5 | $ 998,000 | $ 199,000 | $ 129,000 |
| Marquette County Michigan | 5 | $ 759,000 | $ 151,000 | $ 79,000 |
| Hennepin County Minnesota | 5 | $ 1,185,000 | $ 237,000 | $ 0 |
| Camden County New Jersey | 5 | $ 851,000 | $ 170,000 | $ 0 |
| Monmouth County New Jersey | 5 | $ 1,164,000 | $ 232,000 | $ 0 |
| Chatham County North Carolina | 5 | $ 1,731,000 | $ 346,000 | $ 0 |
| Dare County North Carolina | 5 | $ 975,000 | $ 195,000 | $ 0 |
| Iredell County North Carolina | 5 | $ 1,342,000 | $ 268,000 | $ 0 |
| Fairfield County Ohio | 5 | $ 1,077,000 | $ 215,000 | $ 20,000 |
| Dauphin County Pennsylvania | 5 | $ 880,000 | $ 176,000 | $ 0 |
| Delaware County Pennsylvania | 5 | $ 1,584,000 | $ 316,000 | $ 0 |
| Westmoreland County Pennsylvania | 5 | $ 1,725,000 | $ 345,000 | $ 0 |
| Albemarle County Virginia | 5 | $ 2,175,000 | $ 435,000 | $ 0 |
| Charles County Maryland | 4 | $ 1,028,000 | $ 257,000 | $ 0 |
| Isabella County Michigan | 4 | $ 429,000 | $ 107,000 | $ 79,000 |
| Mackinac County Michigan | 4 | $ 385,000 | $ 96,000 | $ 56,000 |
| Osceola County Michigan | 4 | $ 424,000 | $ 106,000 | $ 87,000 |
| Sanilac County Michigan | 4 | $ 581,000 | $ 145,000 | $ 78,000 |
| Dakota County Minnesota | 4 | $ 2,035,000 | $ 508,000 | $ 0 |
| Passaic County New Jersey | 4 | $ 1,294,000 | $ 323,000 | $ 0 |
| Somerset County New Jersey | 4 | $ 1,082,000 | $ 270,000 | $ 0 |
| Gaston County North Carolina | 4 | $ 518,000 | $ 129,000 | $ 0 |
| Lucas County Ohio | 4 | $ 1,136,000 | $ 284,000 | $ 13,000 |
| Montgomery County Ohio | 4 | $ 345,000 | $ 86,000 | $ 0 |
| Warren County Ohio | 4 | $ 728,000 | $ 182,000 | $ 0 |
| Beaver County Pennsylvania | 4 | $ 1,089,000 | $ 272,000 | $ 0 |
| Hamilton County Tennessee | 4 | $ 641,000 | $ 160,000 | $ 0 |
| Fauquier County Virginia | 4 | $ 1,502,000 | $ 375,000 | $ 0 |
| Hampton County Virginia | 4 | $ 488,000 | $ 122,000 | $ 0 |
| Stafford County Virginia | 4 | $ 965,000 | $ 241,000 | $ 0 |
| Dane County Wisconsin | 4 | $ 560,000 | $ 140,000 | $ 0 |
| Allen County Indiana | 3 | $ 812,000 | $ 270,000 | $ 68,000 |
| Bartholomew County Indiana | 3 | $ 468,000 | $ 156,000 | $ 0 |
| Hancock County Indiana | 3 | $ 382,000 | $ 127,000 | $ 0 |
| Johnson County Indiana | 3 | $ 1,113,000 | $ 371,000 | $ 125,000 |
| Monroe County Indiana | 3 | $ 806,000 | $ 268,000 | $ 0 |
| Tippecanoe County Indiana | 3 | $ 571,000 | $ 190,000 | $ 40,000 |
| Campbell County Kentucky | 3 | $ 588,000 | $ 196,000 | $ 0 |
| Harford County Maryland | 3 | $ 788,000 | $ 262,000 | $ 0 |
| Talbot County Maryland | 3 | $ 1,435,000 | $ 478,000 | $ 0 |
| Branch County Michigan | 3 | $ 336,000 | $ 112,000 | $ 66,000 |
| Tuscola County Michigan | 3 | $ 438,000 | $ 146,000 | $ 87,000 |
| Wright County Minnesota | 3 | $ 625,000 | $ 208,000 | $ 0 |
| Ocean County New Jersey | 3 | $ 878,000 | $ 292,000 | $ 0 |
| Alamance County North Carolina | 3 | $ 510,000 | $ 170,000 | $ 0 |
| Forsyth County North Carolina | 3 | $ 484,000 | $ 161,000 | $ 0 |
| Lincoln County North Carolina | 3 | $ 827,000 | $ 275,000 | $ 0 |
| Orange County North Carolina | 3 | $ 1,109,000 | $ 369,000 | $ 0 |
| Pender County North Carolina | 3 | $ 783,000 | $ 261,000 | $ 0 |
| Rowan County North Carolina | 3 | $ 534,000 | $ 178,000 | $ 0 |
| Wilson County North Carolina | 3 | $ 346,000 | $ 115,000 | $ 0 |
| Portage County Ohio | 3 | $ 717,000 | $ 239,000 | $ 0 |
| Adams County Pennsylvania | 3 | $ 500,000 | $ 166,000 | $ 0 |
| Lehigh County Pennsylvania | 3 | $ 637,000 | $ 212,000 | $ 0 |
| Aiken County South Carolina | 3 | $ 363,000 | $ 121,000 | $ 0 |
| Lancaster County South Carolina | 3 | $ 980,000 | $ 326,000 | $ 0 |
| Frederick County Virginia | 3 | $ 752,000 | $ 250,000 | $ 0 |
| Northampton County Virginia | 3 | $ 596,000 | $ 198,000 | $ 0 |
| Richmond City County Virginia | 3 | $ 470,000 | $ 156,000 | $ 0 |
| Fairbanks North Star County Alaska | 2 | $ 818,000 | $ 409,000 | $ 216,000 |
| Kent County Delaware | 2 | $ 380,000 | $ 190,000 | $ 0 |
| DeKalb County Illinois | 2 | $ 221,000 | $ 110,000 | $ 0 |
| Boone County Indiana | 2 | $ 159,000 | $ 79,000 | $ 0 |
| Porter County Indiana | 2 | $ 228,000 | $ 114,000 | $ 13,000 |
| Boone County Kentucky | 2 | $ 180,000 | $ 90,000 | $ 0 |
| Kenton County Kentucky | 2 | $ 357,000 | $ 178,000 | $ 0 |
| Carroll County Maryland | 2 | $ 874,000 | $ 437,000 | $ 0 |
| St. Mary's County Maryland | 2 | $ 394,000 | $ 197,000 | $ 0 |
| Alcona County Michigan | 2 | $ 88,000 | $ 44,000 | $ 75,000 |
| Chippewa County Michigan | 2 | $ 175,000 | $ 87,000 | $ 122,000 |
| Hillsdale County Michigan | 2 | $ 200,000 | $ 100,000 | $ 246,000 |
| Missaukee County Michigan | 2 | $ 320,000 | $ 160,000 | $ 247,000 |
| Ogemaw County Michigan | 2 | $ 96,000 | $ 48,000 | $ 56,000 |
| Oscoda County Michigan | 2 | $ 253,000 | $ 126,000 | $ 119,000 |
| Presque Isle County Michigan | 2 | $ 378,000 | $ 189,000 | $ 130,000 |
| Ramsey County Minnesota | 2 | $ 348,000 | $ 174,000 | $ 0 |
| Rice County Minnesota | 2 | $ 317,000 | $ 158,000 | $ 0 |
| Gloucester County New Jersey | 2 | $ 304,000 | $ 152,000 | $ 0 |
| Hunterdon County New Jersey | 2 | $ 405,000 | $ 202,000 | $ 0 |
| Mercer County New Jersey | 2 | $ 509,000 | $ 254,000 | $ 0 |
| Sussex County New Jersey | 2 | $ 208,000 | $ 104,000 | $ 0 |
| Camden County North Carolina | 2 | $ 286,000 | $ 143,000 | $ 0 |
| Cleveland County North Carolina | 2 | $ 288,000 | $ 144,000 | $ 0 |
| Craven County North Carolina | 2 | $ 326,000 | $ 163,000 | $ 0 |
| Cumberland County North Carolina | 2 | $ 237,000 | $ 118,000 | $ 0 |
| Davidson County North Carolina | 2 | $ 216,000 | $ 108,000 | $ 0 |
| Davie County North Carolina | 2 | $ 274,000 | $ 137,000 | $ 0 |
| Johnston County North Carolina | 2 | $ 246,000 | $ 123,000 | $ 0 |
| Pasquotank County North Carolina | 2 | $ 299,000 | $ 149,000 | $ 0 |
| Wayne County North Carolina | 2 | $ 334,000 | $ 167,000 | $ 0 |
| Jefferson County Ohio | 2 | $ 103,000 | $ 51,000 | $ 0 |
| Madison County Ohio | 2 | $ 448,000 | $ 224,000 | $ 0 |
| Northampton County Pennsylvania | 2 | $ 393,000 | $ 196,000 | $ 0 |
| Charleston County South Carolina | 2 | $ 230,000 | $ 115,000 | $ 0 |
| Lexington County South Carolina | 2 | $ 674,000 | $ 337,000 | $ 0 |
| Newberry County South Carolina | 2 | $ 871,000 | $ 435,000 | $ 0 |
| Richland County South Carolina | 2 | $ 265,000 | $ 132,000 | $ 0 |
| Knox County Tennessee | 2 | $ 632,000 | $ 316,000 | $ 0 |
| Falls Church County Virginia | 2 | $ 1,286,000 | $ 643,000 | $ 0 |
| Gloucester County Virginia | 2 | $ 375,000 | $ 187,000 | $ 0 |
| Isle of Wight County Virginia | 2 | $ 296,000 | $ 148,000 | $ 0 |
| Williamsburg County Virginia | 2 | $ 428,000 | $ 214,000 | $ 0 |
| Kenosha County Wisconsin | 2 | $ 538,000 | $ 269,000 | $ 0 |
| Manitowoc County Wisconsin | 2 | $ 384,000 | $ 192,000 | $ 0 |
| Outagamie County Wisconsin | 2 | $ 85,000 | $ 42,000 | $ 0 |
| Ozaukee County Wisconsin | 2 | $ 379,000 | $ 189,000 | $ 20,000 |
| Walworth County Wisconsin | 2 | $ 330,000 | $ 165,000 | $ 0 |
| Los Angeles County California | 1 | $ 1,700,000 | $ 1,700,000 | $ 803,000 |
| Champaign County Illinois | 1 | $ 233,000 | $ 233,000 | $ 0 |
| Lee County Illinois | 1 | $ 333,000 | $ 333,000 | $ 0 |
| Clay County Indiana | 1 | $ 102,000 | $ 102,000 | $ 0 |
| Grant County Indiana | 1 | $ 74,000 | $ 74,000 | $ 0 |
| Jasper County Indiana | 1 | $ 109,000 | $ 109,000 | $ 0 |
| Kosciusko County Indiana | 1 | $ 113,000 | $ 113,000 | $ 0 |
| LaPorte County Indiana | 1 | $ 356,000 | $ 356,000 | $ 0 |
| Madison County Indiana | 1 | $ 130,000 | $ 130,000 | $ 0 |
| Marshall County Indiana | 1 | $ 174,000 | $ 174,000 | $ 78,000 |
| Montgomery County Indiana | 1 | $ 63,000 | $ 63,000 | $ 0 |
| Parke County Indiana | 1 | $ 68,000 | $ 68,000 | $ 0 |
| Putnam County Indiana | 1 | $ 62,000 | $ 62,000 | $ 0 |
| Shelby County Indiana | 1 | $ 124,000 | $ 124,000 | $ 0 |
| Vigo County Indiana | 1 | $ 303,000 | $ 303,000 | $ 0 |
| Warrick County Indiana | 1 | $ 280,000 | $ 280,000 | $ 0 |
| Henry County Iowa | 1 | $ 48,000 | $ 48,000 | $ 0 |
| Polk County Iowa | 1 | $ 137,000 | $ 137,000 | $ 0 |
| Jefferson County Kentucky | 1 | $ 189,000 | $ 189,000 | $ 0 |
| Calvert County Maryland | 1 | $ 164,000 | $ 164,000 | $ 0 |
| Kent County Maryland | 1 | $ 257,000 | $ 257,000 | $ 0 |
| Queen Anne's County Maryland | 1 | $ 553,000 | $ 553,000 | $ 0 |
| Worcester County Maryland | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Alger County Michigan | 1 | $ 38,000 | $ 38,000 | $ 97,000 |
| Gratiot County Michigan | 1 | $ 77,000 | $ 77,000 | $ 0 |
| Iron County Michigan | 1 | $ 216,000 | $ 216,000 | $ 50,000 |
| Keweenaw County Michigan | 1 | $ 68,000 | $ 68,000 | $ 44,000 |
| Luce County Michigan | 1 | $ 37,000 | $ 37,000 | $ 104,000 |
| Menominee County Michigan | 1 | $ 58,000 | $ 58,000 | $ 41,000 |
| Montmorency County Michigan | 1 | $ 155,000 | $ 155,000 | $ 95,000 |
| Ontonagon County Michigan | 1 | $ 95,000 | $ 95,000 | $ 63,000 |
| Schoolcraft County Michigan | 1 | $ 174,000 | $ 174,000 | $ 102,000 |
| Anoka County Minnesota | 1 | $ 162,000 | $ 162,000 | $ 0 |
| Scott County Minnesota | 1 | $ 248,000 | $ 248,000 | $ 0 |
| Sherburne County Minnesota | 1 | $ 209,000 | $ 209,000 | $ 0 |
| St. Louis County Minnesota | 1 | $ 356,000 | $ 356,000 | $ 0 |
| Franklin County Missouri | 1 | $ 149,000 | $ 149,000 | $ 0 |
| Atlantic County New Jersey | 1 | $ 410,000 | $ 410,000 | $ 0 |
| Cape May County New Jersey | 1 | $ 68,000 | $ 68,000 | $ 0 |
| Salem County New Jersey | 1 | $ 107,000 | $ 107,000 | $ 0 |
| Warren County New Jersey | 1 | $ 288,000 | $ 288,000 | $ 0 |
| Beaufort County North Carolina | 1 | $ 210,000 | $ 210,000 | $ 0 |
| Catawba County North Carolina | 1 | $ 580,000 | $ 580,000 | $ 0 |
| Chowan County North Carolina | 1 | $ 52,000 | $ 52,000 | $ 0 |
| Duplin County North Carolina | 1 | $ 142,000 | $ 142,000 | $ 0 |
| Franklin County North Carolina | 1 | $ 100,000 | $ 100,000 | $ 0 |
| Harnett County North Carolina | 1 | $ 176,000 | $ 176,000 | $ 0 |
| Haywood County North Carolina | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Onslow County North Carolina | 1 | $ 368,000 | $ 368,000 | $ 0 |
| Pamlico County North Carolina | 1 | $ 103,000 | $ 103,000 | $ 0 |
| Perquimans County North Carolina | 1 | $ 148,000 | $ 148,000 | $ 0 |
| Polk County North Carolina | 1 | $ 417,000 | $ 417,000 | $ 0 |
| Rockingham County North Carolina | 1 | $ 117,000 | $ 117,000 | $ 0 |
| Stanly County North Carolina | 1 | $ 49,000 | $ 49,000 | $ 0 |
| Vance County North Carolina | 1 | $ 102,000 | $ 102,000 | $ 0 |
| Watauga County North Carolina | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Ashtabula County Ohio | 1 | $ 113,000 | $ 113,000 | $ 0 |
| Belmont County Ohio | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Brown County Ohio | 1 | $ 50,000 | $ 50,000 | $ 0 |
| Carroll County Ohio | 1 | $ 188,000 | $ 188,000 | $ 0 |
| Clermont County Ohio | 1 | $ 174,000 | $ 174,000 | $ 0 |
| Columbiana County Ohio | 1 | $ 39,000 | $ 39,000 | $ 0 |
| Erie County Ohio | 1 | $ 300,000 | $ 300,000 | $ 0 |
| Greene County Ohio | 1 | $ 74,000 | $ 74,000 | $ 0 |
| Jackson County Ohio | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Mahoning County Ohio | 1 | $ 149,000 | $ 149,000 | $ 0 |
| Mercer County Ohio | 1 | $ 132,000 | $ 132,000 | $ 0 |
| Morrow County Ohio | 1 | $ 110,000 | $ 110,000 | $ 0 |
| Noble County Ohio | 1 | $ 134,000 | $ 134,000 | $ 0 |
| Shelby County Ohio | 1 | $ 337,000 | $ 337,000 | $ 0 |
| Tuscarawas County Ohio | 1 | $ 417,000 | $ 417,000 | $ 0 |
| Union County Ohio | 1 | $ 174,000 | $ 174,000 | $ 0 |
| Wayne County Ohio | 1 | $ 84,000 | $ 84,000 | $ 0 |
| Berks County Pennsylvania | 1 | $ 80,000 | $ 80,000 | $ 0 |
| Cumberland County Pennsylvania | 1 | $ 139,000 | $ 139,000 | $ 0 |
| Lebanon County Pennsylvania | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Luzerne County Pennsylvania | 1 | $ 137,000 | $ 137,000 | $ 0 |
| Perry County Pennsylvania | 1 | $ 190,000 | $ 190,000 | $ 0 |
| Dorchester County South Carolina | 1 | $ 131,000 | $ 131,000 | $ 0 |
| Horry County South Carolina | 1 | $ 90,000 | $ 90,000 | $ 0 |
| Pickens County South Carolina | 1 | $ 147,000 | $ 147,000 | $ 0 |
| Blount County Tennessee | 1 | $ 465,000 | $ 465,000 | $ 0 |
| Davidson County Tennessee | 1 | $ 100,000 | $ 100,000 | $ 0 |
| Accomack County Virginia | 1 | $ 148,000 | $ 148,000 | $ 0 |
| Caroline County Virginia | 1 | $ 172,000 | $ 172,000 | $ 0 |
| Charlottesville County Virginia | 1 | $ 92,000 | $ 92,000 | $ 0 |
| Culpeper County Virginia | 1 | $ 238,000 | $ 238,000 | $ 0 |
| Essex County Virginia | 1 | $ 200,000 | $ 200,000 | $ 0 |
| Floyd County Virginia | 1 | $ 222,000 | $ 222,000 | $ 0 |
| Goochland County Virginia | 1 | $ 146,000 | $ 146,000 | $ 0 |
| Greene County Virginia | 1 | $ 194,000 | $ 194,000 | $ 0 |
| Louisa County Virginia | 1 | $ 147,000 | $ 147,000 | $ 0 |
| Manassas County Virginia | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Mecklenburg County Virginia | 1 | $ 270,000 | $ 270,000 | $ 0 |
| New Kent County Virginia | 1 | $ 209,000 | $ 209,000 | $ 0 |
| Poquoson County Virginia | 1 | $ 389,000 | $ 389,000 | $ 0 |
| Powhatan County Virginia | 1 | $ 182,000 | $ 182,000 | $ 0 |
| Prince George County Virginia | 1 | $ 156,000 | $ 156,000 | $ 0 |
| Rappahannock County Virginia | 1 | $ 374,000 | $ 374,000 | $ 0 |
| Roanoke County Virginia | 1 | $ 392,000 | $ 392,000 | $ 0 |
| Roanoke City County Virginia | 1 | $ 226,000 | $ 226,000 | $ 0 |
| Rockbridge County Virginia | 1 | $ 88,000 | $ 88,000 | $ 0 |
| Tucker County West Virginia | 1 | $ 417,000 | $ 417,000 | $ 0 |
| Brown County Wisconsin | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Door County Wisconsin | 1 | $ 228,000 | $ 228,000 | $ 0 |
| Eau Claire County Wisconsin | 1 | $ 109,000 | $ 109,000 | $ 0 |
| Jefferson County Wisconsin | 1 | $ 156,000 | $ 156,000 | $ 0 |
| Oconto County Wisconsin | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Oneida County Wisconsin | 1 | $ 334,000 | $ 334,000 | $ 0 |
| Racine County Wisconsin | 1 | $ 158,000 | $ 158,000 | $ 0 |
| Rock County Wisconsin | 1 | $ 137,000 | $ 137,000 | $ 0 |
Mortgage Loan Application Detail Totals for Lake Michigan Credit Union in 2014
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 | 8,755 | $1,711,246,000 | $195,000 | $1,737,000 | $77,000 | $2,136,000 |
| Refinancing | 3,682 | $612,780,000 | $166,000 | $1,790,000 | $80,000 | $1,440,000 |
| Home Improvement | 410 | $16,691,000 | $40,000 | $329,000 | $86,000 | $1,588,000 |
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 | 8,445 | $1,415,705,000 | $167,000 | $1,425,000 | $96,000 | $2,136,000 |
| Not applicable | 2,489 | $574,493,000 | $230,000 | $1,790,000 | $0 | $0 |
| Not Provided | 1,245 | $233,079,000 | $187,000 | $1,700,000 | $106,000 | $803,000 |
| Black or African American | 220 | $33,202,000 | $150,000 | $810,000 | $81,000 | $605,000 |
| Hispanic | 218 | $34,595,000 | $158,000 | $1,737,000 | $87,000 | $1,629,000 |
| Asian | 187 | $41,793,000 | $223,000 | $1,074,000 | $114,000 | $630,000 |
| American Indian or Alaskan Native | 22 | $4,336,000 | $197,000 | $1,013,000 | $123,000 | $544,000 |
| Native Hawaiian or Other Pacific Islander | 21 | $3,514,000 | $167,000 | $372,000 | $93,000 | $295,000 |
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) | 11,545 | $2,168,577,000 | $187,000 | $1,790,000 | $81,000 | $2,136,000 |
| FHA-insured (Federal Housing Administration) | 916 | $115,202,000 | $125,000 | $526,000 | $52,000 | $231,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 226 | $27,730,000 | $122,000 | $257,000 | $46,000 | $113,000 |
| VA-guaranteed (Veterans Administration) | 160 | $29,208,000 | $182,000 | $648,000 | $61,000 | $273,000 |
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 | 7,828 | $1,340,148,000 | $171,000 | $1,737,000 | $97,000 | $1,962,000 |
| Loan Purchased By The Institution | 2,475 | $571,036,000 | $230,000 | $1,050,000 | $0 | $0 |
| Application Denied By Financial Institution | 957 | $148,090,000 | $154,000 | $1,790,000 | $81,000 | $1,440,000 |
| Application Withdrawn By Applicant | 839 | $139,363,000 | $166,000 | $1,350,000 | $103,000 | $2,136,000 |
| File Closed For Incompleteness | 488 | $97,669,000 | $200,000 | $1,400,000 | $108,000 | $1,629,000 |
| Application Approved But Not Accepted | 150 | $25,757,000 | $171,000 | $1,290,000 | $101,000 | $800,000 |
| Preapproval Approved but not Accepted | 57 | $9,858,000 | $172,000 | $650,000 | $76,000 | $420,000 |
| Preapproval Denied by Financial Institution | 53 | $8,796,000 | $165,000 | $650,000 | $58,000 | $239,000 |
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 | 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 2014 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.