Lake Michigan Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2015
Lake Michigan Credit Union 2015 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 | 16,973 |
| Total Mortgage Loan Application Amount | $3,178,289,000 |
| Average Mortgage Loan Application Amount | $139,666 |
| Highest Mortgage Loan Application Amount | $2,475,000 |
| Average Applicant Income | $93,000 |
| Highest Applicant Income | $3,399,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2015 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 2015 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 2015.
| 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 | 5,087 | $ 799,184,000 | $ 157,000 | $ 91,000 |
| Ottawa County Michigan | 2,244 | $ 369,274,000 | $ 164,000 | $ 92,000 |
| Oakland County Michigan | 1,547 | $ 429,727,000 | $ 277,000 | $ 136,000 |
| Kalamazoo County Michigan | 1,095 | $ 202,778,000 | $ 185,000 | $ 102,000 |
| Wayne County Michigan | 837 | $ 167,999,000 | $ 200,000 | $ 99,000 |
| Muskegon County Michigan | 527 | $ 68,585,000 | $ 130,000 | $ 77,000 |
| Genesee County Michigan | 466 | $ 77,134,000 | $ 165,000 | $ 101,000 |
| Allegan County Michigan | 455 | $ 69,655,000 | $ 153,000 | $ 79,000 |
| Grand Traverse County Michigan | 397 | $ 87,009,000 | $ 219,000 | $ 113,000 |
| Macomb County Michigan | 381 | $ 79,336,000 | $ 208,000 | $ 80,000 |
| Livingston County Michigan | 248 | $ 67,897,000 | $ 273,000 | $ 113,000 |
| Saginaw County Michigan | 245 | $ 29,806,000 | $ 121,000 | $ 70,000 |
| Barry County Michigan | 203 | $ 33,181,000 | $ 163,000 | $ 82,000 |
| Washtenaw County Michigan | 202 | $ 55,478,000 | $ 274,000 | $ 106,000 |
| Van Buren County Michigan | 184 | $ 32,451,000 | $ 176,000 | $ 96,000 |
| Leelanau County Michigan | 123 | $ 33,861,000 | $ 275,000 | $ 161,000 |
| Cook County Illinois | 103 | $ 33,341,000 | $ 323,000 | $ 28,000 |
| Newaygo County Michigan | 103 | $ 10,401,000 | $ 100,000 | $ 67,000 |
| Montcalm County Michigan | 92 | $ 11,686,000 | $ 127,000 | $ 84,000 |
| Ionia County Michigan | 74 | $ 10,259,000 | $ 138,000 | $ 84,000 |
| Berrien County Michigan | 73 | $ 14,142,000 | $ 193,000 | $ 113,000 |
| Charlevoix County Michigan | 69 | $ 15,096,000 | $ 218,000 | $ 193,000 |
| Antrim County Michigan | 63 | $ 14,291,000 | $ 226,000 | $ 158,000 |
| Ingham County Michigan | 56 | $ 7,949,000 | $ 141,000 | $ 68,000 |
| Calhoun County Michigan | 53 | $ 8,629,000 | $ 162,000 | $ 96,000 |
| St. Clair County Michigan | 45 | $ 8,518,000 | $ 189,000 | $ 96,000 |
| Lapeer County Michigan | 43 | $ 9,295,000 | $ 216,000 | $ 89,000 |
| Bay County Michigan | 42 | $ 5,322,000 | $ 126,000 | $ 69,000 |
| Oceana County Michigan | 41 | $ 6,764,000 | $ 164,000 | $ 116,000 |
| St. Joseph County Michigan | 41 | $ 6,497,000 | $ 158,000 | $ 150,000 |
| Benzie County Michigan | 37 | $ 7,818,000 | $ 211,000 | $ 121,000 |
| Midland County Michigan | 37 | $ 5,742,000 | $ 155,000 | $ 58,000 |
| Cuyahoga County Ohio | 37 | $ 7,909,000 | $ 213,000 | $ 35,000 |
| Mecosta County Michigan | 36 | $ 3,959,000 | $ 109,000 | $ 98,000 |
| Mecklenburg County North Carolina | 36 | $ 7,816,000 | $ 217,000 | $ 4,000 |
| Monroe County Michigan | 35 | $ 6,817,000 | $ 194,000 | $ 102,000 |
| Jackson County Michigan | 34 | $ 6,566,000 | $ 193,000 | $ 73,000 |
| Collier County Florida | 32 | $ 10,035,000 | $ 313,000 | $ 239,000 |
| Emmet County Michigan | 32 | $ 9,835,000 | $ 307,000 | $ 220,000 |
| Kalkaska County Michigan | 30 | $ 4,240,000 | $ 141,000 | $ 93,000 |
| Montgomery County Maryland | 28 | $ 12,041,000 | $ 430,000 | $ 0 |
| DuPage County Illinois | 26 | $ 8,831,000 | $ 339,000 | $ 88,000 |
| Lake County Michigan | 25 | $ 2,290,000 | $ 91,000 | $ 107,000 |
| Franklin County Ohio | 25 | $ 5,364,000 | $ 214,000 | $ 21,000 |
| Clinton County Michigan | 22 | $ 4,255,000 | $ 193,000 | $ 76,000 |
| Lee County Florida | 21 | $ 5,615,000 | $ 267,000 | $ 133,000 |
| Eaton County Michigan | 21 | $ 2,893,000 | $ 137,000 | $ 59,000 |
| Mason County Michigan | 21 | $ 3,100,000 | $ 147,000 | $ 99,000 |
| Wake County North Carolina | 21 | $ 4,896,000 | $ 233,000 | $ 1,000 |
| Manistee County Michigan | 20 | $ 2,295,000 | $ 114,000 | $ 94,000 |
| Fairfax County Virginia | 20 | $ 7,599,000 | $ 379,000 | $ 0 |
| Loudoun County Virginia | 19 | $ 9,445,000 | $ 497,000 | $ 0 |
| Cass County Michigan | 18 | $ 2,279,000 | $ 126,000 | $ 84,000 |
| Hudson County New Jersey | 17 | $ 5,079,000 | $ 298,000 | $ 0 |
| Broward County Florida | 16 | $ 4,820,000 | $ 301,000 | $ 22,000 |
| Hamilton County Indiana | 16 | $ 4,233,000 | $ 264,000 | $ 54,000 |
| Lenawee County Michigan | 16 | $ 3,113,000 | $ 194,000 | $ 67,000 |
| Allegheny County Pennsylvania | 16 | $ 6,693,000 | $ 418,000 | $ 0 |
| Shiawassee County Michigan | 15 | $ 2,099,000 | $ 139,000 | $ 72,000 |
| Will County Illinois | 14 | $ 3,388,000 | $ 242,000 | $ 17,000 |
| Marion County Indiana | 14 | $ 2,865,000 | $ 204,000 | $ 17,000 |
| Cheboygan County Michigan | 14 | $ 2,896,000 | $ 206,000 | $ 145,000 |
| Gladwin County Michigan | 14 | $ 1,281,000 | $ 91,000 | $ 68,000 |
| Otsego County Michigan | 14 | $ 1,786,000 | $ 127,000 | $ 94,000 |
| Washington County Wisconsin | 14 | $ 2,745,000 | $ 196,000 | $ 0 |
| Tuscola County Michigan | 13 | $ 1,700,000 | $ 130,000 | $ 75,000 |
| Wexford County Michigan | 13 | $ 1,589,000 | $ 122,000 | $ 79,000 |
| Milwaukee County Wisconsin | 13 | $ 1,869,000 | $ 143,000 | $ 0 |
| New Castle County Delaware | 12 | $ 2,950,000 | $ 245,000 | $ 0 |
| District of Columbia County District Of Columbia | 12 | $ 5,001,000 | $ 416,000 | $ 0 |
| Kane County Illinois | 12 | $ 2,579,000 | $ 214,000 | $ 13,000 |
| Anne Arundel County Maryland | 11 | $ 3,841,000 | $ 349,000 | $ 0 |
| Howard County Maryland | 11 | $ 5,251,000 | $ 477,000 | $ 0 |
| Isabella County Michigan | 11 | $ 1,747,000 | $ 158,000 | $ 66,000 |
| Roscommon County Michigan | 11 | $ 1,415,000 | $ 128,000 | $ 100,000 |
| Prince William County Virginia | 11 | $ 4,073,000 | $ 370,000 | $ 0 |
| Sussex County Delaware | 10 | $ 3,601,000 | $ 360,000 | $ 0 |
| Gwinnett County Georgia | 10 | $ 2,244,000 | $ 224,000 | $ 0 |
| McHenry County Illinois | 10 | $ 1,619,000 | $ 161,000 | $ 0 |
| Iosco County Michigan | 10 | $ 2,153,000 | $ 215,000 | $ 128,000 |
| Bergen County New Jersey | 10 | $ 3,286,000 | $ 328,000 | $ 0 |
| Union County North Carolina | 10 | $ 3,271,000 | $ 327,000 | $ 0 |
| Delaware County Ohio | 10 | $ 2,055,000 | $ 205,000 | $ 0 |
| Hamilton County Ohio | 10 | $ 1,922,000 | $ 192,000 | $ 12,000 |
| Lake County Ohio | 10 | $ 2,899,000 | $ 289,000 | $ 0 |
| Virginia Beach County Virginia | 10 | $ 2,342,000 | $ 234,000 | $ 0 |
| Waukesha County Wisconsin | 10 | $ 3,775,000 | $ 377,000 | $ 58,000 |
| Lake County Illinois | 9 | $ 2,839,000 | $ 315,000 | $ 117,000 |
| Middlesex County New Jersey | 9 | $ 2,271,000 | $ 252,000 | $ 0 |
| Branch County Michigan | 8 | $ 1,056,000 | $ 132,000 | $ 84,000 |
| Clare County Michigan | 8 | $ 831,000 | $ 103,000 | $ 97,000 |
| Crawford County Michigan | 8 | $ 916,000 | $ 114,000 | $ 138,000 |
| Huron County Michigan | 8 | $ 1,320,000 | $ 165,000 | $ 107,000 |
| Osceola County Michigan | 8 | $ 902,000 | $ 112,000 | $ 101,000 |
| Monmouth County New Jersey | 8 | $ 3,198,000 | $ 399,000 | $ 0 |
| Butler County Ohio | 8 | $ 1,125,000 | $ 140,000 | $ 0 |
| Summit County Ohio | 8 | $ 2,021,000 | $ 252,000 | $ 24,000 |
| Henrico County Virginia | 8 | $ 1,424,000 | $ 178,000 | $ 0 |
| Dane County Wisconsin | 8 | $ 1,783,000 | $ 222,000 | $ 17,000 |
| St. Joseph County Indiana | 7 | $ 1,320,000 | $ 188,000 | $ 136,000 |
| Frederick County Maryland | 7 | $ 1,622,000 | $ 231,000 | $ 0 |
| Essex County New Jersey | 7 | $ 1,576,000 | $ 225,000 | $ 0 |
| Morris County New Jersey | 7 | $ 2,505,000 | $ 357,000 | $ 0 |
| Cabarrus County North Carolina | 7 | $ 1,820,000 | $ 260,000 | $ 0 |
| Medina County Ohio | 7 | $ 1,263,000 | $ 180,000 | $ 20,000 |
| Bucks County Pennsylvania | 7 | $ 2,199,000 | $ 314,000 | $ 0 |
| York County South Carolina | 7 | $ 1,334,000 | $ 190,000 | $ 0 |
| Arlington County Virginia | 7 | $ 3,321,000 | $ 474,000 | $ 0 |
| Hillsborough County Florida | 6 | $ 1,860,000 | $ 310,000 | $ 0 |
| Kendall County Illinois | 6 | $ 1,376,000 | $ 229,000 | $ 0 |
| Prince George's County Maryland | 6 | $ 2,393,000 | $ 398,000 | $ 0 |
| Arenac County Michigan | 6 | $ 910,000 | $ 151,000 | $ 105,000 |
| Chippewa County Michigan | 6 | $ 693,000 | $ 115,000 | $ 72,000 |
| Gratiot County Michigan | 6 | $ 583,000 | $ 97,000 | $ 55,000 |
| Mackinac County Michigan | 6 | $ 858,000 | $ 143,000 | $ 87,000 |
| Missaukee County Michigan | 6 | $ 1,580,000 | $ 263,000 | $ 210,000 |
| Brunswick County North Carolina | 6 | $ 689,000 | $ 114,000 | $ 0 |
| Chesapeake County Virginia | 6 | $ 1,015,000 | $ 169,000 | $ 0 |
| Monroe County Florida | 5 | $ 2,075,000 | $ 415,000 | $ 525,000 |
| Palm Beach County Florida | 5 | $ 1,058,000 | $ 211,000 | $ 0 |
| Cobb County Georgia | 5 | $ 1,655,000 | $ 331,000 | $ 0 |
| Baltimore City County Maryland | 5 | $ 723,000 | $ 144,000 | $ 0 |
| St. Mary's County Maryland | 5 | $ 1,401,000 | $ 280,000 | $ 0 |
| Montmorency County Michigan | 5 | $ 313,000 | $ 62,000 | $ 73,000 |
| Dare County North Carolina | 5 | $ 1,212,000 | $ 242,000 | $ 0 |
| New Hanover County North Carolina | 5 | $ 946,000 | $ 189,000 | $ 0 |
| Lorain County Ohio | 5 | $ 1,128,000 | $ 225,000 | $ 47,000 |
| Lucas County Ohio | 5 | $ 726,000 | $ 145,000 | $ 170,000 |
| Stark County Ohio | 5 | $ 981,000 | $ 196,000 | $ 0 |
| Chester County Pennsylvania | 5 | $ 1,855,000 | $ 371,000 | $ 0 |
| Montgomery County Pennsylvania | 5 | $ 1,959,000 | $ 391,000 | $ 0 |
| Greenville County South Carolina | 5 | $ 1,128,000 | $ 225,000 | $ 0 |
| Chesterfield County Virginia | 5 | $ 1,644,000 | $ 328,000 | $ 0 |
| Norfolk County Virginia | 5 | $ 1,740,000 | $ 348,000 | $ 0 |
| Lake County Florida | 4 | $ 564,000 | $ 141,000 | $ 18,000 |
| Manatee County Florida | 4 | $ 939,000 | $ 234,000 | $ 70,000 |
| Fulton County Georgia | 4 | $ 1,180,000 | $ 295,000 | $ 0 |
| Hendricks County Indiana | 4 | $ 580,000 | $ 145,000 | $ 41,000 |
| Kenton County Kentucky | 4 | $ 844,000 | $ 211,000 | $ 0 |
| Baltimore County Maryland | 4 | $ 1,312,000 | $ 328,000 | $ 0 |
| Charles County Maryland | 4 | $ 1,197,000 | $ 299,000 | $ 0 |
| Alcona County Michigan | 4 | $ 402,000 | $ 100,000 | $ 118,000 |
| Marquette County Michigan | 4 | $ 645,000 | $ 161,000 | $ 21,000 |
| Presque Isle County Michigan | 4 | $ 512,000 | $ 128,000 | $ 122,000 |
| Hennepin County Minnesota | 4 | $ 1,524,000 | $ 381,000 | $ 27,000 |
| Henderson County North Carolina | 4 | $ 445,000 | $ 111,000 | $ 0 |
| Delaware County Pennsylvania | 4 | $ 1,122,000 | $ 280,000 | $ 0 |
| Frederick County Virginia | 4 | $ 1,332,000 | $ 333,000 | $ 0 |
| Brevard County Florida | 3 | $ 358,000 | $ 119,000 | $ 31,000 |
| Pinellas County Florida | 3 | $ 530,000 | $ 176,000 | $ 81,000 |
| Paulding County Georgia | 3 | $ 504,000 | $ 168,000 | $ 0 |
| Elkhart County Indiana | 3 | $ 181,000 | $ 60,000 | $ 37,000 |
| Calvert County Maryland | 3 | $ 735,000 | $ 245,000 | $ 0 |
| Worcester County Maryland | 3 | $ 594,000 | $ 198,000 | $ 0 |
| Washington County Minnesota | 3 | $ 1,238,000 | $ 412,000 | $ 0 |
| St. Louis County Missouri | 3 | $ 915,000 | $ 305,000 | $ 0 |
| Burlington County New Jersey | 3 | $ 633,000 | $ 211,000 | $ 0 |
| Ocean County New Jersey | 3 | $ 743,000 | $ 247,000 | $ 0 |
| Passaic County New Jersey | 3 | $ 975,000 | $ 325,000 | $ 0 |
| Somerset County New Jersey | 3 | $ 871,000 | $ 290,000 | $ 0 |
| Chatham County North Carolina | 3 | $ 1,788,000 | $ 596,000 | $ 0 |
| Guilford County North Carolina | 3 | $ 602,000 | $ 200,000 | $ 0 |
| Montgomery County Ohio | 3 | $ 380,000 | $ 126,000 | $ 0 |
| Portage County Ohio | 3 | $ 718,000 | $ 239,000 | $ 0 |
| Warren County Ohio | 3 | $ 484,000 | $ 161,000 | $ 0 |
| Butler County Pennsylvania | 3 | $ 1,208,000 | $ 402,000 | $ 0 |
| Lehigh County Pennsylvania | 3 | $ 645,000 | $ 215,000 | $ 0 |
| Madison County Tennessee | 3 | $ 361,000 | $ 120,000 | $ 0 |
| Walworth County Wisconsin | 3 | $ 570,000 | $ 190,000 | $ 60,000 |
| Kent County Delaware | 2 | $ 488,000 | $ 244,000 | $ 0 |
| Charlotte County Florida | 2 | $ 549,000 | $ 274,000 | $ 165,000 |
| Flagler County Florida | 2 | $ 350,000 | $ 175,000 | $ 0 |
| Orange County Florida | 2 | $ 840,000 | $ 420,000 | $ 26,000 |
| Sarasota County Florida | 2 | $ 178,000 | $ 89,000 | $ 58,000 |
| Cherokee County Georgia | 2 | $ 334,000 | $ 167,000 | $ 0 |
| DeKalb County Georgia | 2 | $ 531,000 | $ 265,000 | $ 0 |
| Douglas County Georgia | 2 | $ 369,000 | $ 184,000 | $ 0 |
| Forsyth County Georgia | 2 | $ 547,000 | $ 273,000 | $ 0 |
| Tazewell County Illinois | 2 | $ 368,000 | $ 184,000 | $ 26,000 |
| Bartholomew County Indiana | 2 | $ 365,000 | $ 182,000 | $ 0 |
| Lake County Indiana | 2 | $ 879,000 | $ 439,000 | $ 43,000 |
| Campbell County Kentucky | 2 | $ 258,000 | $ 129,000 | $ 0 |
| Harford County Maryland | 2 | $ 838,000 | $ 419,000 | $ 0 |
| Queen Anne's County Maryland | 2 | $ 508,000 | $ 254,000 | $ 0 |
| Ogemaw County Michigan | 2 | $ 176,000 | $ 88,000 | $ 164,000 |
| Oscoda County Michigan | 2 | $ 151,000 | $ 75,000 | $ 109,000 |
| Sanilac County Michigan | 2 | $ 404,000 | $ 202,000 | $ 43,000 |
| Schoolcraft County Michigan | 2 | $ 218,000 | $ 109,000 | $ 75,000 |
| Currituck County North Carolina | 2 | $ 386,000 | $ 193,000 | $ 0 |
| Franklin County North Carolina | 2 | $ 163,000 | $ 81,000 | $ 0 |
| Gaston County North Carolina | 2 | $ 364,000 | $ 182,000 | $ 0 |
| Iredell County North Carolina | 2 | $ 404,000 | $ 202,000 | $ 0 |
| Johnston County North Carolina | 2 | $ 120,000 | $ 60,000 | $ 0 |
| Pasquotank County North Carolina | 2 | $ 303,000 | $ 151,000 | $ 0 |
| Clermont County Ohio | 2 | $ 433,000 | $ 216,000 | $ 0 |
| Geauga County Ohio | 2 | $ 344,000 | $ 172,000 | $ 0 |
| Licking County Ohio | 2 | $ 539,000 | $ 269,000 | $ 0 |
| Philadelphia County Pennsylvania | 2 | $ 411,000 | $ 205,000 | $ 0 |
| Lancaster County South Carolina | 2 | $ 226,000 | $ 113,000 | $ 0 |
| Spartanburg County South Carolina | 2 | $ 471,000 | $ 235,000 | $ 0 |
| Hamilton County Tennessee | 2 | $ 214,000 | $ 107,000 | $ 0 |
| Hampton County Virginia | 2 | $ 289,000 | $ 144,000 | $ 0 |
| York County Virginia | 2 | $ 472,000 | $ 236,000 | $ 0 |
| Maricopa County Arizona | 1 | $ 600,000 | $ 600,000 | $ 420,000 |
| Stanislaus County California | 1 | $ 17,000 | $ 17,000 | $ 55,000 |
| Middlesex County Connecticut | 1 | $ 508,000 | $ 508,000 | $ 0 |
| New Haven County Connecticut | 1 | $ 370,000 | $ 370,000 | $ 0 |
| Marion County Florida | 1 | $ 177,000 | $ 177,000 | $ 0 |
| Okaloosa County Florida | 1 | $ 150,000 | $ 150,000 | $ 316,000 |
| Okeechobee County Florida | 1 | $ 57,000 | $ 57,000 | $ 14,000 |
| Pasco County Florida | 1 | $ 117,000 | $ 117,000 | $ 0 |
| Seminole County Florida | 1 | $ 417,000 | $ 417,000 | $ 0 |
| Volusia County Florida | 1 | $ 121,000 | $ 121,000 | $ 0 |
| Barrow County Georgia | 1 | $ 139,000 | $ 139,000 | $ 0 |
| Catoosa County Georgia | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Chatham County Georgia | 1 | $ 488,000 | $ 488,000 | $ 0 |
| Dawson County Georgia | 1 | $ 417,000 | $ 417,000 | $ 0 |
| Effingham County Georgia | 1 | $ 124,000 | $ 124,000 | $ 0 |
| Hall County Georgia | 1 | $ 329,000 | $ 329,000 | $ 0 |
| Grundy County Illinois | 1 | $ 149,000 | $ 149,000 | $ 0 |
| Madison County Illinois | 1 | $ 147,000 | $ 147,000 | $ 127,000 |
| Rock Island County Illinois | 1 | $ 315,000 | $ 315,000 | $ 0 |
| Boone County Indiana | 1 | $ 341,000 | $ 341,000 | $ 0 |
| Floyd County Indiana | 1 | $ 230,000 | $ 230,000 | $ 157,000 |
| Franklin County Indiana | 1 | $ 99,000 | $ 99,000 | $ 979,000 |
| Porter County Indiana | 1 | $ 106,000 | $ 106,000 | $ 81,000 |
| Starke County Indiana | 1 | $ 76,000 | $ 76,000 | $ 47,000 |
| Tippecanoe County Indiana | 1 | $ 253,000 | $ 253,000 | $ 0 |
| Vanderburgh County Indiana | 1 | $ 113,000 | $ 113,000 | $ 0 |
| Clinton County Iowa | 1 | $ 74,000 | $ 74,000 | $ 0 |
| Dubuque County Iowa | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Jackson County Iowa | 1 | $ 106,000 | $ 106,000 | $ 0 |
| Linn County Iowa | 1 | $ 77,000 | $ 77,000 | $ 0 |
| Scott County Iowa | 1 | $ 348,000 | $ 348,000 | $ 0 |
| Carroll County Maryland | 1 | $ 348,000 | $ 348,000 | $ 0 |
| Kent County Maryland | 1 | $ 257,000 | $ 257,000 | $ 0 |
| Alger County Michigan | 1 | $ 140,000 | $ 140,000 | $ 38,000 |
| Alpena County Michigan | 1 | $ 83,000 | $ 83,000 | $ 0 |
| Dickinson County Michigan | 1 | $ 222,000 | $ 222,000 | $ 100,000 |
| Hillsdale County Michigan | 1 | $ 200,000 | $ 200,000 | $ 233,000 |
| Anoka County Minnesota | 1 | $ 385,000 | $ 385,000 | $ 0 |
| Dakota County Minnesota | 1 | $ 148,000 | $ 148,000 | $ 0 |
| Olmsted County Minnesota | 1 | $ 263,000 | $ 263,000 | $ 0 |
| Scott County Minnesota | 1 | $ 161,000 | $ 161,000 | $ 0 |
| Wright County Minnesota | 1 | $ 208,000 | $ 208,000 | $ 0 |
| Buchanan County Missouri | 1 | $ 152,000 | $ 152,000 | $ 0 |
| Daviess County Missouri | 1 | $ 40,000 | $ 40,000 | $ 0 |
| DeKalb County Missouri | 1 | $ 169,000 | $ 169,000 | $ 0 |
| Platte County Missouri | 1 | $ 132,000 | $ 132,000 | $ 0 |
| Camden County New Jersey | 1 | $ 213,000 | $ 213,000 | $ 0 |
| Gloucester County New Jersey | 1 | $ 273,000 | $ 273,000 | $ 0 |
| Mercer County New Jersey | 1 | $ 286,000 | $ 286,000 | $ 0 |
| Sussex County New Jersey | 1 | $ 280,000 | $ 280,000 | $ 0 |
| Union County New Jersey | 1 | $ 150,000 | $ 150,000 | $ 0 |
| Carteret County North Carolina | 1 | $ 83,000 | $ 83,000 | $ 0 |
| Cumberland County North Carolina | 1 | $ 48,000 | $ 48,000 | $ 0 |
| Davidson County North Carolina | 1 | $ 194,000 | $ 194,000 | $ 0 |
| Durham County North Carolina | 1 | $ 201,000 | $ 201,000 | $ 0 |
| Forsyth County North Carolina | 1 | $ 148,000 | $ 148,000 | $ 0 |
| Granville County North Carolina | 1 | $ 66,000 | $ 66,000 | $ 0 |
| Harnett County North Carolina | 1 | $ 127,000 | $ 127,000 | $ 0 |
| Nash County North Carolina | 1 | $ 152,000 | $ 152,000 | $ 0 |
| Person County North Carolina | 1 | $ 66,000 | $ 66,000 | $ 0 |
| Randolph County North Carolina | 1 | $ 112,000 | $ 112,000 | $ 0 |
| Brown County Ohio | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Clinton County Ohio | 1 | $ 80,000 | $ 80,000 | $ 0 |
| Erie County Ohio | 1 | $ 179,000 | $ 179,000 | $ 76,000 |
| Fairfield County Ohio | 1 | $ 122,000 | $ 122,000 | $ 0 |
| Fulton County Ohio | 1 | $ 310,000 | $ 310,000 | $ 104,000 |
| Holmes County Ohio | 1 | $ 174,000 | $ 174,000 | $ 0 |
| Madison County Ohio | 1 | $ 142,000 | $ 142,000 | $ 0 |
| Trumbull County Ohio | 1 | $ 33,000 | $ 33,000 | $ 0 |
| Van Wert County Ohio | 1 | $ 60,000 | $ 60,000 | $ 0 |
| Adams County Pennsylvania | 1 | $ 256,000 | $ 256,000 | $ 0 |
| Lancaster County Pennsylvania | 1 | $ 312,000 | $ 312,000 | $ 0 |
| Union County Pennsylvania | 1 | $ 182,000 | $ 182,000 | $ 0 |
| Washington County Pennsylvania | 1 | $ 348,000 | $ 348,000 | $ 0 |
| Georgetown County South Carolina | 1 | $ 333,000 | $ 333,000 | $ 0 |
| Saluda County South Carolina | 1 | $ 232,000 | $ 232,000 | $ 0 |
| Davidson County Tennessee | 1 | $ 242,000 | $ 242,000 | $ 0 |
| Sumner County Tennessee | 1 | $ 67,000 | $ 67,000 | $ 0 |
| Accomack County Virginia | 1 | $ 114,000 | $ 114,000 | $ 0 |
| Alexandria County Virginia | 1 | $ 450,000 | $ 450,000 | $ 0 |
| Charlottesville County Virginia | 1 | $ 103,000 | $ 103,000 | $ 0 |
| Fauquier County Virginia | 1 | $ 450,000 | $ 450,000 | $ 0 |
| Hanover County Virginia | 1 | $ 372,000 | $ 372,000 | $ 0 |
| James City County Virginia | 1 | $ 263,000 | $ 263,000 | $ 0 |
| Newport News County Virginia | 1 | $ 116,000 | $ 116,000 | $ 0 |
| Orange County Virginia | 1 | $ 126,000 | $ 126,000 | $ 0 |
| Poquoson County Virginia | 1 | $ 357,000 | $ 357,000 | $ 0 |
| Richmond City County Virginia | 1 | $ 231,000 | $ 231,000 | $ 0 |
| Roanoke City County Virginia | 1 | $ 173,000 | $ 173,000 | $ 0 |
| Rockingham County Virginia | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Spotsylvania County Virginia | 1 | $ 265,000 | $ 265,000 | $ 0 |
| Stafford County Virginia | 1 | $ 460,000 | $ 460,000 | $ 0 |
| Brown County Wisconsin | 1 | $ 148,000 | $ 148,000 | $ 90,000 |
| Buffalo County Wisconsin | 1 | $ 132,000 | $ 132,000 | $ 0 |
| Eau Claire County Wisconsin | 1 | $ 110,000 | $ 110,000 | $ 0 |
| Iowa County Wisconsin | 1 | $ 127,000 | $ 127,000 | $ 0 |
| Jefferson County Wisconsin | 1 | $ 229,000 | $ 229,000 | $ 0 |
| Juneau County Wisconsin | 1 | $ 58,000 | $ 58,000 | $ 0 |
| Kenosha County Wisconsin | 1 | $ 310,000 | $ 310,000 | $ 0 |
| La Crosse County Wisconsin | 1 | $ 198,000 | $ 198,000 | $ 0 |
| Marinette County Wisconsin | 1 | $ 84,000 | $ 84,000 | $ 0 |
| Outagamie County Wisconsin | 1 | $ 416,000 | $ 416,000 | $ 0 |
| Ozaukee County Wisconsin | 1 | $ 152,000 | $ 152,000 | $ 0 |
| Polk County Wisconsin | 1 | $ 300,000 | $ 300,000 | $ 119,000 |
| Racine County Wisconsin | 1 | $ 137,000 | $ 137,000 | $ 0 |
| Rock County Wisconsin | 1 | $ 100,000 | $ 100,000 | $ 65,000 |
| St. Croix County Wisconsin | 1 | $ 292,000 | $ 292,000 | $ 0 |
Mortgage Loan Application Detail Totals for Lake Michigan Credit Union in 2015
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 | 9,993 | $2,040,319,000 | $204,000 | $2,475,000 | $92,000 | $3,000,000 |
| Refinancing | 6,083 | $1,107,755,000 | $182,000 | $2,438,000 | $95,000 | $3,399,000 |
| Home Improvement | 897 | $30,215,000 | $33,000 | $336,000 | $92,000 | $500,000 |
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 | 12,398 | $2,251,042,000 | $181,000 | $2,475,000 | $103,000 | $3,399,000 |
| Not Provided | 1,969 | $359,218,000 | $182,000 | $1,600,000 | $110,000 | $1,865,000 |
| Not applicable | 1,632 | $394,115,000 | $241,000 | $1,188,000 | $0 | $0 |
| Asian | 356 | $77,778,000 | $218,000 | $855,000 | $110,000 | $639,000 |
| Black or African American | 301 | $48,884,000 | $162,000 | $912,000 | $89,000 | $1,848,000 |
| Hispanic | 277 | $40,642,000 | $146,000 | $1,647,000 | $80,000 | $1,254,000 |
| American Indian or Alaskan Native | 22 | $3,095,000 | $140,000 | $350,000 | $76,000 | $206,000 |
| Native Hawaiian or Other Pacific Islander | 18 | $3,515,000 | $195,000 | $629,000 | $125,000 | $448,000 |
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) | 15,213 | $2,930,321,000 | $192,000 | $2,475,000 | $98,000 | $3,399,000 |
| FHA-insured (Federal Housing Administration) | 1,326 | $176,508,000 | $133,000 | $362,000 | $51,000 | $395,000 |
| VA-guaranteed (Veterans Administration) | 273 | $52,256,000 | $191,000 | $545,000 | $68,000 | $900,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 161 | $19,204,000 | $119,000 | $216,000 | $44,000 | $360,000 |
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 | 11,561 | $2,079,291,000 | $179,000 | $2,175,000 | $102,000 | $3,130,000 |
| Application Withdrawn By Applicant | 1,798 | $349,493,000 | $194,000 | $2,438,000 | $120,000 | $3,000,000 |
| Loan Purchased By The Institution | 1,623 | $390,702,000 | $240,000 | $1,188,000 | $0 | $239,000 |
| Application Denied By Financial Institution | 1,091 | $181,645,000 | $166,000 | $2,475,000 | $88,000 | $1,787,000 |
| Application Approved But Not Accepted | 443 | $84,120,000 | $189,000 | $2,037,000 | $101,000 | $1,051,000 |
| File Closed For Incompleteness | 302 | $61,926,000 | $205,000 | $941,000 | $132,000 | $3,399,000 |
| Preapproval Denied by Financial Institution | 123 | $26,129,000 | $212,000 | $1,000,000 | $121,000 | $1,364,000 |
| Preapproval Approved but not Accepted | 32 | $4,983,000 | $155,000 | $380,000 | $68,000 | $232,000 |
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 2015 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.