Lake Michigan Credit Union Mortgage Lending & HMDA Data, 2014
In 2014, Lake Michigan Credit Union of Grand Rapids, MI reported 12,847 mortgage applications totaling $2.3 billion, down 10% from 2013. The average application was for $182,199, and applicants reported an average income of $78,147. 61% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Grand Rapids-Wyoming, MI (5,494), Warren-Troy-Farmington Hills, MI (1,288) and Kalamazoo-Portage, MI (988) (applications in parentheses).
| Mortgage Company & Address | Lake Michigan Credit Union Po Box 2848 Grand Rapids, MI 49501 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 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 | $182,199 |
| Highest Mortgage Loan Application Amount | $1,790,000 |
| Average Applicant Income | $78,147 |
| Highest Applicant Income | $2,136,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Lake Michigan Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Kent, Michigan | 3,608 | $ 535,550,000 | $ 148,434 | $ 84,000 |
| Ottawa, Michigan | 1,667 | $ 262,096,000 | $ 157,226 | $ 82,000 |
| Oakland, Michigan | 883 | $ 239,415,000 | $ 271,138 | $ 120,000 |
| Kalamazoo, Michigan | 837 | $ 147,086,000 | $ 175,729 | $ 95,000 |
| Wayne, Michigan | 481 | $ 90,101,000 | $ 187,320 | $ 92,000 |
| Muskegon, Michigan | 379 | $ 51,248,000 | $ 135,218 | $ 80,000 |
| Grand Traverse, Michigan | 340 | $ 70,939,000 | $ 208,644 | $ 114,000 |
| Allegan, Michigan | 334 | $ 54,095,000 | $ 161,961 | $ 87,000 |
| Genesee, Michigan | 278 | $ 45,462,000 | $ 163,532 | $ 100,000 |
| Macomb, Michigan | 229 | $ 44,595,000 | $ 194,737 | $ 68,000 |
| Van Buren, Michigan | 155 | $ 23,717,000 | $ 153,012 | $ 88,000 |
| Barry, Michigan | 149 | $ 25,040,000 | $ 168,053 | $ 78,000 |
| Livingston, Michigan | 118 | $ 33,904,000 | $ 287,322 | $ 119,000 |
| Cook, Illinois | 114 | $ 28,867,000 | $ 253,219 | $ 11,000 |
| Saginaw, Michigan | 114 | $ 15,468,000 | $ 135,684 | $ 79,000 |
| Wake, North Carolina | 111 | $ 22,670,000 | $ 204,234 | $ 0 |
| Washtenaw, Michigan | 97 | $ 24,683,000 | $ 254,463 | $ 109,000 |
| Leelanau, Michigan | 96 | $ 28,655,000 | $ 298,489 | $ 153,000 |
| Montcalm, Michigan | 78 | $ 9,266,000 | $ 118,794 | $ 71,000 |
| Ionia, Michigan | 74 | $ 8,846,000 | $ 119,540 | $ 67,000 |
| Berrien, Michigan | 73 | $ 11,429,000 | $ 156,561 | $ 82,000 |
| Newaygo, Michigan | 61 | $ 6,659,000 | $ 109,163 | $ 87,000 |
| Antrim, Michigan | 60 | $ 11,887,000 | $ 198,116 | $ 128,000 |
| Loudoun, Virginia | 57 | $ 25,158,000 | $ 441,368 | $ 0 |
| Virginia Beach, Virginia | 53 | $ 12,535,000 | $ 236,509 | $ 0 |
| Cuyahoga, Ohio | 51 | $ 9,140,000 | $ 179,215 | $ 2,000 |
| Charlevoix, Michigan | 50 | $ 10,733,000 | $ 214,660 | $ 155,000 |
| Franklin, Ohio | 50 | $ 9,229,000 | $ 184,580 | $ 22,000 |
| Oceana, Michigan | 45 | $ 6,482,000 | $ 144,044 | $ 84,000 |
| Benzie, Michigan | 39 | $ 6,686,000 | $ 171,435 | $ 127,000 |
| Lapeer, Michigan | 39 | $ 7,863,000 | $ 201,615 | $ 82,000 |
| Montgomery, Maryland | 38 | $ 14,232,000 | $ 374,526 | $ 0 |
| Mecklenburg, North Carolina | 38 | $ 7,777,000 | $ 204,657 | $ 0 |
| Fairfax, Virginia | 37 | $ 14,461,000 | $ 390,837 | $ 0 |
| District of Columbia, District Of Columbia | 33 | $ 13,030,000 | $ 394,848 | $ 0 |
| Marion, Indiana | 32 | $ 4,641,000 | $ 145,031 | $ 5,000 |
| Hamilton, Indiana | 31 | $ 6,718,000 | $ 216,709 | $ 62,000 |
| Frederick, Maryland | 30 | $ 9,050,000 | $ 301,666 | $ 0 |
| Ingham, Michigan | 30 | $ 4,907,000 | $ 163,566 | $ 101,000 |
| Calhoun, Michigan | 29 | $ 4,208,000 | $ 145,103 | $ 86,000 |
| Chesapeake, Virginia | 29 | $ 5,864,000 | $ 202,206 | $ 0 |
| DuPage, Illinois | 28 | $ 8,579,000 | $ 306,392 | $ 0 |
| Bay, Michigan | 28 | $ 4,721,000 | $ 168,607 | $ 91,000 |
| St. Joseph, Michigan | 27 | $ 3,171,000 | $ 117,444 | $ 70,000 |
| New Hanover, North Carolina | 27 | $ 5,394,000 | $ 199,777 | $ 0 |
| Butler, Ohio | 25 | $ 3,688,000 | $ 147,520 | $ 0 |
| Emmet, Michigan | 24 | $ 5,970,000 | $ 248,750 | $ 148,000 |
| Stark, Ohio | 24 | $ 4,402,000 | $ 183,416 | $ 0 |
| Cass, Michigan | 23 | $ 3,684,000 | $ 160,173 | $ 131,000 |
| Kalkaska, Michigan | 23 | $ 3,236,000 | $ 140,695 | $ 130,000 |
| Summit, Ohio | 23 | $ 5,549,000 | $ 241,260 | $ 0 |
| Norfolk, Virginia | 23 | $ 4,506,000 | $ 195,913 | $ 0 |
| St. Clair, Michigan | 22 | $ 4,651,000 | $ 211,409 | $ 79,000 |
| Greenville, South Carolina | 21 | $ 4,273,000 | $ 203,476 | $ 0 |
| Hudson, New Jersey | 20 | $ 5,740,000 | $ 287,000 | $ 0 |
| New Castle, Delaware | 19 | $ 3,399,000 | $ 178,894 | $ 0 |
| Allegheny, Pennsylvania | 19 | $ 5,804,000 | $ 305,473 | $ 0 |
| Chesterfield, Virginia | 19 | $ 4,987,000 | $ 262,473 | $ 0 |
| Milwaukee, Wisconsin | 19 | $ 2,977,000 | $ 156,684 | $ 14,000 |
| Kane, Illinois | 18 | $ 3,987,000 | $ 221,500 | $ 4,000 |
| Manistee, Michigan | 18 | $ 2,181,000 | $ 121,166 | $ 155,000 |
| St. Joseph, Indiana | 17 | $ 1,927,000 | $ 113,352 | $ 64,000 |
| Mecosta, Michigan | 17 | $ 2,650,000 | $ 155,882 | $ 117,000 |
| Morris, New Jersey | 17 | $ 4,749,000 | $ 279,352 | $ 0 |
| Hamilton, Ohio | 17 | $ 2,818,000 | $ 165,764 | $ 51,000 |
| James City, Virginia | 17 | $ 3,220,000 | $ 189,411 | $ 0 |
| Prince William, Virginia | 17 | $ 5,566,000 | $ 327,411 | $ 0 |
| Will, Illinois | 16 | $ 4,631,000 | $ 289,437 | $ 3,000 |
| Durham, North Carolina | 16 | $ 2,975,000 | $ 185,937 | $ 0 |
| York, Pennsylvania | 16 | $ 2,496,000 | $ 156,000 | $ 0 |
| Mason, Michigan | 15 | $ 1,867,000 | $ 124,466 | $ 103,000 |
| Bergen, New Jersey | 15 | $ 3,875,000 | $ 258,333 | $ 0 |
| Washington, Wisconsin | 15 | $ 2,405,000 | $ 160,333 | $ 0 |
| Waukesha, Wisconsin | 15 | $ 4,152,000 | $ 276,800 | $ 3,000 |
| Clinton, Michigan | 14 | $ 3,088,000 | $ 220,571 | $ 95,000 |
| Lake, Michigan | 14 | $ 1,740,000 | $ 124,285 | $ 97,000 |
| Union, North Carolina | 14 | $ 3,005,000 | $ 214,642 | $ 0 |
| Delaware, Ohio | 14 | $ 3,083,000 | $ 220,214 | $ 0 |
| Lorain, Ohio | 14 | $ 3,403,000 | $ 243,071 | $ 0 |
| Washington, Pennsylvania | 14 | $ 4,652,000 | $ 332,285 | $ 0 |
| Henrico, Virginia | 14 | $ 3,571,000 | $ 255,071 | $ 0 |
| Portsmouth, Virginia | 14 | $ 2,048,000 | $ 146,285 | $ 0 |
| Monroe, Michigan | 13 | $ 3,447,000 | $ 265,153 | $ 128,000 |
| Essex, New Jersey | 13 | $ 3,600,000 | $ 276,923 | $ 0 |
| Bucks, Pennsylvania | 13 | $ 4,819,000 | $ 370,692 | $ 0 |
| Anne Arundel, Maryland | 12 | $ 4,063,000 | $ 338,583 | $ 0 |
| Howard, Maryland | 12 | $ 5,252,000 | $ 437,666 | $ 0 |
| Prince George's, Maryland | 12 | $ 4,215,000 | $ 351,250 | $ 0 |
| Eaton, Michigan | 12 | $ 1,484,000 | $ 123,666 | $ 63,000 |
| Guilford, North Carolina | 12 | $ 1,358,000 | $ 113,166 | $ 0 |
| Lancaster, Pennsylvania | 12 | $ 1,929,000 | $ 160,750 | $ 0 |
| Iosco, Michigan | 11 | $ 1,380,000 | $ 125,454 | $ 139,000 |
| Jackson, Michigan | 11 | $ 1,512,000 | $ 137,454 | $ 85,000 |
| Wexford, Michigan | 11 | $ 1,799,000 | $ 163,545 | $ 74,000 |
| Hanover, Virginia | 11 | $ 2,995,000 | $ 272,272 | $ 0 |
| Suffolk, Virginia | 11 | $ 2,160,000 | $ 196,363 | $ 0 |
| Crawford, Michigan | 10 | $ 1,099,000 | $ 109,900 | $ 119,000 |
| Shiawassee, Michigan | 10 | $ 794,000 | $ 79,400 | $ 44,000 |
| Middlesex, New Jersey | 10 | $ 1,950,000 | $ 195,000 | $ 0 |
| Cabarrus, North Carolina | 10 | $ 2,315,000 | $ 231,500 | $ 0 |
| Medina, Ohio | 10 | $ 3,292,000 | $ 329,200 | $ 0 |
| York, South Carolina | 10 | $ 1,521,000 | $ 152,100 | $ 0 |
| Arlington, Virginia | 10 | $ 3,859,000 | $ 385,900 | $ 0 |
| Baltimore, Maryland | 9 | $ 2,638,000 | $ 293,111 | $ 0 |
| Baltimore City, Maryland | 9 | $ 1,708,000 | $ 189,777 | $ 0 |
| Clare, Michigan | 9 | $ 1,102,000 | $ 122,444 | $ 85,000 |
| Roscommon, Michigan | 9 | $ 1,247,000 | $ 138,555 | $ 106,000 |
| Lake, Ohio | 9 | $ 1,803,000 | $ 200,333 | $ 0 |
| Kendall, Illinois | 8 | $ 1,983,000 | $ 247,875 | $ 20,000 |
| McHenry, Illinois | 8 | $ 1,236,000 | $ 154,500 | $ 0 |
| Hendricks, Indiana | 8 | $ 1,082,000 | $ 135,250 | $ 16,000 |
| Gladwin, Michigan | 8 | $ 1,078,000 | $ 134,750 | $ 139,000 |
| Brunswick, North Carolina | 8 | $ 879,000 | $ 109,875 | $ 0 |
| Pitt, North Carolina | 8 | $ 1,149,000 | $ 143,625 | $ 0 |
| Licking, Ohio | 8 | $ 1,577,000 | $ 197,125 | $ 0 |
| Montgomery, Pennsylvania | 8 | $ 2,224,000 | $ 278,000 | $ 0 |
| Philadelphia, Pennsylvania | 8 | $ 1,467,000 | $ 183,375 | $ 0 |
| Newport News, Virginia | 8 | $ 1,243,000 | $ 155,375 | $ 0 |
| Lake, Indiana | 7 | $ 1,000,000 | $ 142,857 | $ 10,000 |
| Lenawee, Michigan | 7 | $ 1,534,000 | $ 219,142 | $ 15,000 |
| Otsego, Michigan | 7 | $ 1,322,000 | $ 188,857 | $ 86,000 |
| Union, New Jersey | 7 | $ 1,867,000 | $ 266,714 | $ 0 |
| Carteret, North Carolina | 7 | $ 1,752,000 | $ 250,285 | $ 0 |
| Currituck, North Carolina | 7 | $ 2,205,000 | $ 315,000 | $ 0 |
| Geauga, Ohio | 7 | $ 1,972,000 | $ 281,714 | $ 0 |
| Butler, Pennsylvania | 7 | $ 2,734,000 | $ 390,571 | $ 0 |
| Chester, Pennsylvania | 7 | $ 2,157,000 | $ 308,142 | $ 0 |
| York, Virginia | 7 | $ 1,613,000 | $ 230,428 | $ 0 |
| Lake, Illinois | 6 | $ 1,909,000 | $ 318,166 | $ 0 |
| Elkhart, Indiana | 6 | $ 1,198,000 | $ 199,666 | $ 190,000 |
| Cheboygan, Michigan | 6 | $ 784,000 | $ 130,666 | $ 145,000 |
| Midland, Michigan | 6 | $ 990,000 | $ 165,000 | $ 117,000 |
| Burlington, New Jersey | 6 | $ 1,063,000 | $ 177,166 | $ 0 |
| Buncombe, North Carolina | 6 | $ 1,618,000 | $ 269,666 | $ 0 |
| Alexandria, Virginia | 6 | $ 2,019,000 | $ 336,500 | $ 0 |
| Sussex, Delaware | 5 | $ 2,506,000 | $ 501,200 | $ 0 |
| Arenac, Michigan | 5 | $ 376,000 | $ 75,200 | $ 44,000 |
| Huron, Michigan | 5 | $ 998,000 | $ 199,600 | $ 129,000 |
| Marquette, Michigan | 5 | $ 759,000 | $ 151,800 | $ 79,000 |
| Hennepin, Minnesota | 5 | $ 1,185,000 | $ 237,000 | $ 0 |
| Camden, New Jersey | 5 | $ 851,000 | $ 170,200 | $ 0 |
| Monmouth, New Jersey | 5 | $ 1,164,000 | $ 232,800 | $ 0 |
| Chatham, North Carolina | 5 | $ 1,731,000 | $ 346,200 | $ 0 |
| Dare, North Carolina | 5 | $ 975,000 | $ 195,000 | $ 0 |
| Iredell, North Carolina | 5 | $ 1,342,000 | $ 268,400 | $ 0 |
| Fairfield, Ohio | 5 | $ 1,077,000 | $ 215,400 | $ 20,000 |
| Dauphin, Pennsylvania | 5 | $ 880,000 | $ 176,000 | $ 0 |
| Delaware, Pennsylvania | 5 | $ 1,584,000 | $ 316,800 | $ 0 |
| Westmoreland, Pennsylvania | 5 | $ 1,725,000 | $ 345,000 | $ 0 |
| Albemarle, Virginia | 5 | $ 2,175,000 | $ 435,000 | $ 0 |
| Charles, Maryland | 4 | $ 1,028,000 | $ 257,000 | $ 0 |
| Isabella, Michigan | 4 | $ 429,000 | $ 107,250 | $ 79,000 |
| Mackinac, Michigan | 4 | $ 385,000 | $ 96,250 | $ 56,000 |
| Osceola, Michigan | 4 | $ 424,000 | $ 106,000 | $ 87,000 |
| Sanilac, Michigan | 4 | $ 581,000 | $ 145,250 | $ 78,000 |
| Dakota, Minnesota | 4 | $ 2,035,000 | $ 508,750 | $ 0 |
| Passaic, New Jersey | 4 | $ 1,294,000 | $ 323,500 | $ 0 |
| Somerset, New Jersey | 4 | $ 1,082,000 | $ 270,500 | $ 0 |
| Gaston, North Carolina | 4 | $ 518,000 | $ 129,500 | $ 0 |
| Lucas, Ohio | 4 | $ 1,136,000 | $ 284,000 | $ 13,000 |
| Montgomery, Ohio | 4 | $ 345,000 | $ 86,250 | $ 0 |
| Warren, Ohio | 4 | $ 728,000 | $ 182,000 | $ 0 |
| Beaver, Pennsylvania | 4 | $ 1,089,000 | $ 272,250 | $ 0 |
| Hamilton, Tennessee | 4 | $ 641,000 | $ 160,250 | $ 0 |
| Fauquier, Virginia | 4 | $ 1,502,000 | $ 375,500 | $ 0 |
| Hampton, Virginia | 4 | $ 488,000 | $ 122,000 | $ 0 |
| Stafford, Virginia | 4 | $ 965,000 | $ 241,250 | $ 0 |
| Dane, Wisconsin | 4 | $ 560,000 | $ 140,000 | $ 0 |
| Allen, Indiana | 3 | $ 812,000 | $ 270,666 | $ 68,000 |
| Bartholomew, Indiana | 3 | $ 468,000 | $ 156,000 | $ 0 |
| Hancock, Indiana | 3 | $ 382,000 | $ 127,333 | $ 0 |
| Johnson, Indiana | 3 | $ 1,113,000 | $ 371,000 | $ 125,000 |
| Monroe, Indiana | 3 | $ 806,000 | $ 268,666 | $ 0 |
| Tippecanoe, Indiana | 3 | $ 571,000 | $ 190,333 | $ 40,000 |
| Campbell, Kentucky | 3 | $ 588,000 | $ 196,000 | $ 0 |
| Harford, Maryland | 3 | $ 788,000 | $ 262,666 | $ 0 |
| Talbot, Maryland | 3 | $ 1,435,000 | $ 478,333 | $ 0 |
| Branch, Michigan | 3 | $ 336,000 | $ 112,000 | $ 66,000 |
| Tuscola, Michigan | 3 | $ 438,000 | $ 146,000 | $ 87,000 |
| Wright, Minnesota | 3 | $ 625,000 | $ 208,333 | $ 0 |
| Ocean, New Jersey | 3 | $ 878,000 | $ 292,666 | $ 0 |
| Alamance, North Carolina | 3 | $ 510,000 | $ 170,000 | $ 0 |
| Forsyth, North Carolina | 3 | $ 484,000 | $ 161,333 | $ 0 |
| Lincoln, North Carolina | 3 | $ 827,000 | $ 275,666 | $ 0 |
| Orange, North Carolina | 3 | $ 1,109,000 | $ 369,666 | $ 0 |
| Pender, North Carolina | 3 | $ 783,000 | $ 261,000 | $ 0 |
| Rowan, North Carolina | 3 | $ 534,000 | $ 178,000 | $ 0 |
| Wilson, North Carolina | 3 | $ 346,000 | $ 115,333 | $ 0 |
| Portage, Ohio | 3 | $ 717,000 | $ 239,000 | $ 0 |
| Adams, Pennsylvania | 3 | $ 500,000 | $ 166,666 | $ 0 |
| Lehigh, Pennsylvania | 3 | $ 637,000 | $ 212,333 | $ 0 |
| Aiken, South Carolina | 3 | $ 363,000 | $ 121,000 | $ 0 |
| Lancaster, South Carolina | 3 | $ 980,000 | $ 326,666 | $ 0 |
| Frederick, Virginia | 3 | $ 752,000 | $ 250,666 | $ 0 |
| Northampton, Virginia | 3 | $ 596,000 | $ 198,666 | $ 0 |
| Richmond City, Virginia | 3 | $ 470,000 | $ 156,666 | $ 0 |
| Fairbanks North Star, Alaska | 2 | $ 818,000 | $ 409,000 | $ 216,000 |
| Kent, Delaware | 2 | $ 380,000 | $ 190,000 | $ 0 |
| DeKalb, Illinois | 2 | $ 221,000 | $ 110,500 | $ 0 |
| Boone, Indiana | 2 | $ 159,000 | $ 79,500 | $ 0 |
| Porter, Indiana | 2 | $ 228,000 | $ 114,000 | $ 13,000 |
| Boone, Kentucky | 2 | $ 180,000 | $ 90,000 | $ 0 |
| Kenton, Kentucky | 2 | $ 357,000 | $ 178,500 | $ 0 |
| Carroll, Maryland | 2 | $ 874,000 | $ 437,000 | $ 0 |
| St. Mary's, Maryland | 2 | $ 394,000 | $ 197,000 | $ 0 |
| Alcona, Michigan | 2 | $ 88,000 | $ 44,000 | $ 75,000 |
| Chippewa, Michigan | 2 | $ 175,000 | $ 87,500 | $ 122,000 |
| Hillsdale, Michigan | 2 | $ 200,000 | $ 100,000 | $ 246,000 |
| Missaukee, Michigan | 2 | $ 320,000 | $ 160,000 | $ 247,000 |
| Ogemaw, Michigan | 2 | $ 96,000 | $ 48,000 | $ 56,000 |
| Oscoda, Michigan | 2 | $ 253,000 | $ 126,500 | $ 119,000 |
| Presque Isle, Michigan | 2 | $ 378,000 | $ 189,000 | $ 130,000 |
| Ramsey, Minnesota | 2 | $ 348,000 | $ 174,000 | $ 0 |
| Rice, Minnesota | 2 | $ 317,000 | $ 158,500 | $ 0 |
| Gloucester, New Jersey | 2 | $ 304,000 | $ 152,000 | $ 0 |
| Hunterdon, New Jersey | 2 | $ 405,000 | $ 202,500 | $ 0 |
| Mercer, New Jersey | 2 | $ 509,000 | $ 254,500 | $ 0 |
| Sussex, New Jersey | 2 | $ 208,000 | $ 104,000 | $ 0 |
| Camden, North Carolina | 2 | $ 286,000 | $ 143,000 | $ 0 |
| Cleveland, North Carolina | 2 | $ 288,000 | $ 144,000 | $ 0 |
| Craven, North Carolina | 2 | $ 326,000 | $ 163,000 | $ 0 |
| Cumberland, North Carolina | 2 | $ 237,000 | $ 118,500 | $ 0 |
| Davidson, North Carolina | 2 | $ 216,000 | $ 108,000 | $ 0 |
| Davie, North Carolina | 2 | $ 274,000 | $ 137,000 | $ 0 |
| Johnston, North Carolina | 2 | $ 246,000 | $ 123,000 | $ 0 |
| Pasquotank, North Carolina | 2 | $ 299,000 | $ 149,500 | $ 0 |
| Wayne, North Carolina | 2 | $ 334,000 | $ 167,000 | $ 0 |
| Jefferson, Ohio | 2 | $ 103,000 | $ 51,500 | $ 0 |
| Madison, Ohio | 2 | $ 448,000 | $ 224,000 | $ 0 |
| Northampton, Pennsylvania | 2 | $ 393,000 | $ 196,500 | $ 0 |
| Charleston, South Carolina | 2 | $ 230,000 | $ 115,000 | $ 0 |
| Lexington, South Carolina | 2 | $ 674,000 | $ 337,000 | $ 0 |
| Newberry, South Carolina | 2 | $ 871,000 | $ 435,500 | $ 0 |
| Richland, South Carolina | 2 | $ 265,000 | $ 132,500 | $ 0 |
| Knox, Tennessee | 2 | $ 632,000 | $ 316,000 | $ 0 |
| Falls Church, Virginia | 2 | $ 1,286,000 | $ 643,000 | $ 0 |
| Gloucester, Virginia | 2 | $ 375,000 | $ 187,500 | $ 0 |
| Isle of Wight, Virginia | 2 | $ 296,000 | $ 148,000 | $ 0 |
| Williamsburg, Virginia | 2 | $ 428,000 | $ 214,000 | $ 0 |
| Kenosha, Wisconsin | 2 | $ 538,000 | $ 269,000 | $ 0 |
| Manitowoc, Wisconsin | 2 | $ 384,000 | $ 192,000 | $ 0 |
| Outagamie, Wisconsin | 2 | $ 85,000 | $ 42,500 | $ 0 |
| Ozaukee, Wisconsin | 2 | $ 379,000 | $ 189,500 | $ 20,000 |
| Walworth, Wisconsin | 2 | $ 330,000 | $ 165,000 | $ 0 |
| Los Angeles, California | 1 | $ 1,700,000 | $ 1,700,000 | $ 803,000 |
| Champaign, Illinois | 1 | $ 233,000 | $ 233,000 | $ 0 |
| Lee, Illinois | 1 | $ 333,000 | $ 333,000 | $ 0 |
| Clay, Indiana | 1 | $ 102,000 | $ 102,000 | $ 0 |
| Grant, Indiana | 1 | $ 74,000 | $ 74,000 | $ 0 |
| Jasper, Indiana | 1 | $ 109,000 | $ 109,000 | $ 0 |
| Kosciusko, Indiana | 1 | $ 113,000 | $ 113,000 | $ 0 |
| LaPorte, Indiana | 1 | $ 356,000 | $ 356,000 | $ 0 |
| Madison, Indiana | 1 | $ 130,000 | $ 130,000 | $ 0 |
| Marshall, Indiana | 1 | $ 174,000 | $ 174,000 | $ 78,000 |
| Montgomery, Indiana | 1 | $ 63,000 | $ 63,000 | $ 0 |
| Parke, Indiana | 1 | $ 68,000 | $ 68,000 | $ 0 |
| Putnam, Indiana | 1 | $ 62,000 | $ 62,000 | $ 0 |
| Shelby, Indiana | 1 | $ 124,000 | $ 124,000 | $ 0 |
| Vigo, Indiana | 1 | $ 303,000 | $ 303,000 | $ 0 |
| Warrick, Indiana | 1 | $ 280,000 | $ 280,000 | $ 0 |
| Henry, Iowa | 1 | $ 48,000 | $ 48,000 | $ 0 |
| Polk, Iowa | 1 | $ 137,000 | $ 137,000 | $ 0 |
| Jefferson, Kentucky | 1 | $ 189,000 | $ 189,000 | $ 0 |
| Calvert, Maryland | 1 | $ 164,000 | $ 164,000 | $ 0 |
| Kent, Maryland | 1 | $ 257,000 | $ 257,000 | $ 0 |
| Queen Anne's, Maryland | 1 | $ 553,000 | $ 553,000 | $ 0 |
| Worcester, Maryland | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Alger, Michigan | 1 | $ 38,000 | $ 38,000 | $ 97,000 |
| Gratiot, Michigan | 1 | $ 77,000 | $ 77,000 | $ 0 |
| Iron, Michigan | 1 | $ 216,000 | $ 216,000 | $ 50,000 |
| Keweenaw, Michigan | 1 | $ 68,000 | $ 68,000 | $ 44,000 |
| Luce, Michigan | 1 | $ 37,000 | $ 37,000 | $ 104,000 |
| Menominee, Michigan | 1 | $ 58,000 | $ 58,000 | $ 41,000 |
| Montmorency, Michigan | 1 | $ 155,000 | $ 155,000 | $ 95,000 |
| Ontonagon, Michigan | 1 | $ 95,000 | $ 95,000 | $ 63,000 |
| Schoolcraft, Michigan | 1 | $ 174,000 | $ 174,000 | $ 102,000 |
| Anoka, Minnesota | 1 | $ 162,000 | $ 162,000 | $ 0 |
| Scott, Minnesota | 1 | $ 248,000 | $ 248,000 | $ 0 |
| Sherburne, Minnesota | 1 | $ 209,000 | $ 209,000 | $ 0 |
| St. Louis, Minnesota | 1 | $ 356,000 | $ 356,000 | $ 0 |
| Franklin, Missouri | 1 | $ 149,000 | $ 149,000 | $ 0 |
| Atlantic, New Jersey | 1 | $ 410,000 | $ 410,000 | $ 0 |
| Cape May, New Jersey | 1 | $ 68,000 | $ 68,000 | $ 0 |
| Salem, New Jersey | 1 | $ 107,000 | $ 107,000 | $ 0 |
| Warren, New Jersey | 1 | $ 288,000 | $ 288,000 | $ 0 |
| Beaufort, North Carolina | 1 | $ 210,000 | $ 210,000 | $ 0 |
| Catawba, North Carolina | 1 | $ 580,000 | $ 580,000 | $ 0 |
| Chowan, North Carolina | 1 | $ 52,000 | $ 52,000 | $ 0 |
| Duplin, North Carolina | 1 | $ 142,000 | $ 142,000 | $ 0 |
| Franklin, North Carolina | 1 | $ 100,000 | $ 100,000 | $ 0 |
| Harnett, North Carolina | 1 | $ 176,000 | $ 176,000 | $ 0 |
| Haywood, North Carolina | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Onslow, North Carolina | 1 | $ 368,000 | $ 368,000 | $ 0 |
| Pamlico, North Carolina | 1 | $ 103,000 | $ 103,000 | $ 0 |
| Perquimans, North Carolina | 1 | $ 148,000 | $ 148,000 | $ 0 |
| Polk, North Carolina | 1 | $ 417,000 | $ 417,000 | $ 0 |
| Rockingham, North Carolina | 1 | $ 117,000 | $ 117,000 | $ 0 |
| Stanly, North Carolina | 1 | $ 49,000 | $ 49,000 | $ 0 |
| Vance, North Carolina | 1 | $ 102,000 | $ 102,000 | $ 0 |
| Watauga, North Carolina | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Ashtabula, Ohio | 1 | $ 113,000 | $ 113,000 | $ 0 |
| Belmont, Ohio | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Brown, Ohio | 1 | $ 50,000 | $ 50,000 | $ 0 |
| Carroll, Ohio | 1 | $ 188,000 | $ 188,000 | $ 0 |
| Clermont, Ohio | 1 | $ 174,000 | $ 174,000 | $ 0 |
| Columbiana, Ohio | 1 | $ 39,000 | $ 39,000 | $ 0 |
| Erie, Ohio | 1 | $ 300,000 | $ 300,000 | $ 0 |
| Greene, Ohio | 1 | $ 74,000 | $ 74,000 | $ 0 |
| Jackson, Ohio | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Mahoning, Ohio | 1 | $ 149,000 | $ 149,000 | $ 0 |
| Mercer, Ohio | 1 | $ 132,000 | $ 132,000 | $ 0 |
| Morrow, Ohio | 1 | $ 110,000 | $ 110,000 | $ 0 |
| Noble, Ohio | 1 | $ 134,000 | $ 134,000 | $ 0 |
| Shelby, Ohio | 1 | $ 337,000 | $ 337,000 | $ 0 |
| Tuscarawas, Ohio | 1 | $ 417,000 | $ 417,000 | $ 0 |
| Union, Ohio | 1 | $ 174,000 | $ 174,000 | $ 0 |
| Wayne, Ohio | 1 | $ 84,000 | $ 84,000 | $ 0 |
| Berks, Pennsylvania | 1 | $ 80,000 | $ 80,000 | $ 0 |
| Cumberland, Pennsylvania | 1 | $ 139,000 | $ 139,000 | $ 0 |
| Lebanon, Pennsylvania | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Luzerne, Pennsylvania | 1 | $ 137,000 | $ 137,000 | $ 0 |
| Perry, Pennsylvania | 1 | $ 190,000 | $ 190,000 | $ 0 |
| Dorchester, South Carolina | 1 | $ 131,000 | $ 131,000 | $ 0 |
| Horry, South Carolina | 1 | $ 90,000 | $ 90,000 | $ 0 |
| Pickens, South Carolina | 1 | $ 147,000 | $ 147,000 | $ 0 |
| Blount, Tennessee | 1 | $ 465,000 | $ 465,000 | $ 0 |
| Davidson, Tennessee | 1 | $ 100,000 | $ 100,000 | $ 0 |
| Accomack, Virginia | 1 | $ 148,000 | $ 148,000 | $ 0 |
| Caroline, Virginia | 1 | $ 172,000 | $ 172,000 | $ 0 |
| Charlottesville, Virginia | 1 | $ 92,000 | $ 92,000 | $ 0 |
| Culpeper, Virginia | 1 | $ 238,000 | $ 238,000 | $ 0 |
| Essex, Virginia | 1 | $ 200,000 | $ 200,000 | $ 0 |
| Floyd, Virginia | 1 | $ 222,000 | $ 222,000 | $ 0 |
| Goochland, Virginia | 1 | $ 146,000 | $ 146,000 | $ 0 |
| Greene, Virginia | 1 | $ 194,000 | $ 194,000 | $ 0 |
| Louisa, Virginia | 1 | $ 147,000 | $ 147,000 | $ 0 |
| Manassas, Virginia | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Mecklenburg, Virginia | 1 | $ 270,000 | $ 270,000 | $ 0 |
| New Kent, Virginia | 1 | $ 209,000 | $ 209,000 | $ 0 |
| Poquoson, Virginia | 1 | $ 389,000 | $ 389,000 | $ 0 |
| Powhatan, Virginia | 1 | $ 182,000 | $ 182,000 | $ 0 |
| Prince George, Virginia | 1 | $ 156,000 | $ 156,000 | $ 0 |
| Rappahannock, Virginia | 1 | $ 374,000 | $ 374,000 | $ 0 |
| Roanoke, Virginia | 1 | $ 392,000 | $ 392,000 | $ 0 |
| Roanoke City, Virginia | 1 | $ 226,000 | $ 226,000 | $ 0 |
| Rockbridge, Virginia | 1 | $ 88,000 | $ 88,000 | $ 0 |
| Tucker, West Virginia | 1 | $ 417,000 | $ 417,000 | $ 0 |
| Brown, Wisconsin | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Door, Wisconsin | 1 | $ 228,000 | $ 228,000 | $ 0 |
| Eau Claire, Wisconsin | 1 | $ 109,000 | $ 109,000 | $ 0 |
| Jefferson, Wisconsin | 1 | $ 156,000 | $ 156,000 | $ 0 |
| Oconto, Wisconsin | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Oneida, Wisconsin | 1 | $ 334,000 | $ 334,000 | $ 0 |
| Racine, Wisconsin | 1 | $ 158,000 | $ 158,000 | $ 0 |
| Rock, 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.
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