Lake Michigan Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2022
Lake Michigan Credit Union 2022 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 | 20,476 |
| Total Mortgage Loan Application Amount | $5,030,860,000 |
| Average Mortgage Loan Application Amount | $187,500 |
| Highest Mortgage Loan Application Amount | $27,305,000 |
| Average Applicant Income | $104,666 |
| Highest Applicant Income | $5,992,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2022 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 2022 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 2022.
| 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 | 6,096 | $ 1,120,640,000 | $ 183,000 | $ 116,000 |
| Ottawa County Michigan | 2,822 | $ 534,420,000 | $ 189,000 | $ 117,000 |
| Oakland County Michigan | 1,472 | $ 568,830,000 | $ 386,000 | $ 195,000 |
| Muskegon County Michigan | 1,074 | $ 173,410,000 | $ 161,000 | $ 94,000 |
| Kalamazoo County Michigan | 934 | $ 181,740,000 | $ 194,000 | $ 123,000 |
| Lee County Florida | 915 | $ 368,125,000 | $ 402,000 | $ 201,000 |
| Wayne County Michigan | 703 | $ 191,695,000 | $ 272,000 | $ 149,000 |
| Allegan County Michigan | 689 | $ 147,625,000 | $ 214,000 | $ 119,000 |
| Collier County Florida | 602 | $ 251,790,000 | $ 418,000 | $ 224,000 |
| Grand Traverse County Michigan | 426 | $ 129,150,000 | $ 303,000 | $ 147,000 |
| Macomb County Michigan | 384 | $ 117,640,000 | $ 306,000 | $ 163,000 |
| Washtenaw County Michigan | 333 | $ 131,355,000 | $ 394,000 | $ 182,000 |
| Barry County Michigan | 305 | $ 58,135,000 | $ 190,000 | $ 109,000 |
| Livingston County Michigan | 290 | $ 91,770,000 | $ 316,000 | $ 144,000 |
| Charlotte County Florida | 280 | $ 107,230,000 | $ 382,000 | $ 150,000 |
| Saginaw County Michigan | 178 | $ 26,620,000 | $ 149,000 | $ 87,000 |
| Ionia County Michigan | 171 | $ 26,205,000 | $ 153,000 | $ 85,000 |
| Newaygo County Michigan | 170 | $ 29,890,000 | $ 175,000 | $ 108,000 |
| Genesee County Michigan | 169 | $ 43,255,000 | $ 255,000 | $ 120,000 |
| Montcalm County Michigan | 159 | $ 25,595,000 | $ 160,000 | $ 121,000 |
| Van Buren County Michigan | 150 | $ 26,680,000 | $ 177,000 | $ 109,000 |
| Leelanau County Michigan | 128 | $ 51,410,000 | $ 401,000 | $ 195,000 |
| Ingham County Michigan | 101 | $ 19,715,000 | $ 195,000 | $ 122,000 |
| Hillsborough County Florida | 89 | $ 40,525,000 | $ 455,000 | $ 197,000 |
| Oceana County Michigan | 88 | $ 17,100,000 | $ 194,000 | $ 111,000 |
| Mecosta County Michigan | 80 | $ 14,160,000 | $ 177,000 | $ 107,000 |
| Lapeer County Michigan | 65 | $ 23,825,000 | $ 366,000 | $ 145,000 |
| Berrien County Michigan | 60 | $ 20,350,000 | $ 339,000 | $ 204,000 |
| Benzie County Michigan | 57 | $ 15,415,000 | $ 270,000 | $ 130,000 |
| Monroe County Michigan | 57 | $ 16,155,000 | $ 283,000 | $ 108,000 |
| Charlevoix County Michigan | 56 | $ 22,620,000 | $ 403,000 | $ 239,000 |
| Pinellas County Florida | 55 | $ 29,835,000 | $ 542,000 | $ 285,000 |
| Sarasota County Florida | 55 | $ 29,225,000 | $ 531,000 | $ 226,000 |
| Calhoun County Michigan | 53 | $ 8,625,000 | $ 162,000 | $ 105,000 |
| Antrim County Michigan | 52 | $ 16,280,000 | $ 313,000 | $ 154,000 |
| St. Clair County Michigan | 47 | $ 15,495,000 | $ 329,000 | $ 121,000 |
| Emmet County Michigan | 41 | $ 14,865,000 | $ 362,000 | $ 185,000 |
| Lake County Michigan | 41 | $ 7,325,000 | $ 178,000 | $ 109,000 |
| Mason County Michigan | 40 | $ 11,010,000 | $ 275,000 | $ 171,000 |
| Orange County Florida | 36 | $ 22,080,000 | $ 613,000 | $ 258,000 |
| Clinton County Michigan | 36 | $ 9,080,000 | $ 252,000 | $ 132,000 |
| Manistee County Michigan | 36 | $ 9,260,000 | $ 257,000 | $ 135,000 |
| Midland County Michigan | 33 | $ 7,275,000 | $ 220,000 | $ 110,000 |
| Lake County Florida | 32 | $ 13,170,000 | $ 411,000 | $ 157,000 |
| Pasco County Florida | 32 | $ 14,300,000 | $ 446,000 | $ 174,000 |
| Kalkaska County Michigan | 32 | $ 7,270,000 | $ 227,000 | $ 143,000 |
| Bay County Michigan | 31 | $ 6,955,000 | $ 224,000 | $ 127,000 |
| Eaton County Michigan | 31 | $ 6,685,000 | $ 215,000 | $ 101,000 |
| Wexford County Michigan | 31 | $ 5,055,000 | $ 163,000 | $ 86,000 |
| Jackson County Michigan | 28 | $ 8,210,000 | $ 293,000 | $ 129,000 |
| Manatee County Florida | 27 | $ 12,745,000 | $ 472,000 | $ 255,000 |
| Shiawassee County Michigan | 25 | $ 4,975,000 | $ 199,000 | $ 98,000 |
| Roscommon County Michigan | 22 | $ 3,890,000 | $ 176,000 | $ 162,000 |
| Cass County Michigan | 21 | $ 5,035,000 | $ 239,000 | $ 132,000 |
| Osceola County Michigan | 21 | $ 2,455,000 | $ 116,000 | $ 92,000 |
| Clare County Michigan | 20 | $ 2,730,000 | $ 136,000 | $ 120,000 |
| Broward County Florida | 19 | $ 9,045,000 | $ 476,000 | $ 280,000 |
| Otsego County Michigan | 19 | $ 4,205,000 | $ 221,000 | $ 148,000 |
| St. Joseph County Michigan | 19 | $ 2,475,000 | $ 130,000 | $ 114,000 |
| Polk County Florida | 18 | $ 6,450,000 | $ 358,000 | $ 171,000 |
| Cook County Illinois | 18 | $ 8,330,000 | $ 462,000 | $ 291,000 |
| Palm Beach County Florida | 16 | $ 7,000,000 | $ 437,000 | $ 401,000 |
| Isabella County Michigan | 15 | $ 2,265,000 | $ 151,000 | $ 160,000 |
| Lenawee County Michigan | 15 | $ 3,095,000 | $ 206,000 | $ 117,000 |
| Cheboygan County Michigan | 14 | $ 2,140,000 | $ 152,000 | $ 134,000 |
| Iosco County Michigan | 14 | $ 3,140,000 | $ 224,000 | $ 164,000 |
| Brevard County Florida | 12 | $ 7,330,000 | $ 610,000 | $ 336,000 |
| Marquette County Michigan | 12 | $ 4,540,000 | $ 378,000 | $ 181,000 |
| Duval County Florida | 10 | $ 3,730,000 | $ 373,000 | $ 289,000 |
| Marion County Florida | 10 | $ 4,030,000 | $ 403,000 | $ 147,000 |
| Monroe County Florida | 10 | $ 7,800,000 | $ 780,000 | $ 578,000 |
| Osceola County Florida | 10 | $ 2,660,000 | $ 266,000 | $ 161,000 |
| Volusia County Florida | 10 | $ 3,280,000 | $ 328,000 | $ 252,000 |
| Sanilac County Michigan | 10 | $ 2,970,000 | $ 297,000 | $ 210,000 |
| St. Johns County Florida | 9 | $ 6,205,000 | $ 689,000 | $ 270,000 |
| Chippewa County Michigan | 9 | $ 1,565,000 | $ 173,000 | $ 140,000 |
| Hendry County Florida | 8 | $ 2,340,000 | $ 292,000 | $ 115,000 |
| Seminole County Florida | 8 | $ 3,470,000 | $ 433,000 | $ 181,000 |
| Crawford County Michigan | 8 | $ 1,820,000 | $ 227,000 | $ 101,000 |
| Gladwin County Michigan | 8 | $ 1,490,000 | $ 186,000 | $ 94,000 |
| Lucas County Ohio | 8 | $ 2,190,000 | $ 273,000 | $ 240,000 |
| Huron County Michigan | 7 | $ 1,615,000 | $ 230,000 | $ 197,000 |
| Citrus County Florida | 6 | $ 1,960,000 | $ 326,000 | $ 114,000 |
| DeSoto County Florida | 6 | $ 1,170,000 | $ 195,000 | $ 88,000 |
| Miami-Dade County Florida | 6 | $ 5,010,000 | $ 835,000 | $ 507,000 |
| St. Joseph County Indiana | 6 | $ 1,760,000 | $ 293,000 | $ 138,000 |
| Alpena County Michigan | 6 | $ 1,770,000 | $ 295,000 | $ 203,000 |
| Branch County Michigan | 6 | $ 2,400,000 | $ 400,000 | $ 161,000 |
| Gratiot County Michigan | 6 | $ 1,080,000 | $ 180,000 | $ 120,000 |
| Montmorency County Michigan | 6 | $ 810,000 | $ 135,000 | $ 105,000 |
| Hernando County Florida | 5 | $ 1,035,000 | $ 207,000 | $ 94,000 |
| Martin County Florida | 5 | $ 2,585,000 | $ 517,000 | $ 281,000 |
| Hillsdale County Michigan | 5 | $ 865,000 | $ 173,000 | $ 110,000 |
| Missaukee County Michigan | 5 | $ 1,155,000 | $ 231,000 | $ 146,000 |
| Ogemaw County Michigan | 5 | $ 545,000 | $ 109,000 | $ 49,000 |
| Presque Isle County Michigan | 5 | $ 1,505,000 | $ 301,000 | $ 125,000 |
| Tuscola County Michigan | 5 | $ 625,000 | $ 125,000 | $ 53,000 |
| Elkhart County Indiana | 4 | $ 820,000 | $ 205,000 | $ 63,000 |
| LaPorte County Indiana | 4 | $ 1,460,000 | $ 365,000 | $ 182,000 |
| Bay County Florida | 3 | $ 3,845,000 | $ 1,281,000 | $ 535,000 |
| Highlands County Florida | 3 | $ 975,000 | $ 325,000 | $ 150,000 |
| St. Lucie County Florida | 3 | $ 1,225,000 | $ 408,000 | $ 148,000 |
| Sumter County Florida | 3 | $ 855,000 | $ 285,000 | $ 126,000 |
| DuPage County Illinois | 3 | $ 915,000 | $ 305,000 | $ 98,000 |
| Will County Illinois | 3 | $ 865,000 | $ 288,000 | $ 108,000 |
| Allen County Indiana | 3 | $ 845,000 | $ 281,000 | $ 124,000 |
| Arenac County Michigan | 3 | $ 545,000 | $ 181,000 | $ 44,000 |
| Alachua County Florida | 2 | $ 720,000 | $ 360,000 | $ 148,000 |
| Clay County Florida | 2 | $ 1,380,000 | $ 690,000 | $ 175,000 |
| Escambia County Florida | 2 | $ 1,560,000 | $ 780,000 | $ 196,000 |
| Flagler County Florida | 2 | $ 160,000 | $ 80,000 | $ 427,000 |
| Leon County Florida | 2 | $ 1,290,000 | $ 645,000 | $ 525,000 |
| Walton County Florida | 2 | $ 790,000 | $ 395,000 | $ 389,000 |
| McHenry County Illinois | 2 | $ 350,000 | $ 175,000 | $ 46,000 |
| Alger County Michigan | 2 | $ 280,000 | $ 140,000 | $ 45,000 |
| Baraga County Michigan | 2 | $ 420,000 | $ 210,000 | $ 109,000 |
| Houghton County Michigan | 2 | $ 870,000 | $ 435,000 | $ 315,000 |
| Luce County Michigan | 2 | $ 390,000 | $ 195,000 | $ 120,000 |
| Mackinac County Michigan | 2 | $ 870,000 | $ 435,000 | $ 245,000 |
| Oscoda County Michigan | 2 | $ 110,000 | $ 55,000 | $ 81,000 |
| Jackson County North Carolina | 2 | $ 1,050,000 | $ 525,000 | $ 224,000 |
| Cuyahoga County Ohio | 2 | $ 1,400,000 | $ 700,000 | $ 430,000 |
| Milwaukee County Wisconsin | 2 | $ 630,000 | $ 315,000 | $ 134,000 |
| Glades County Florida | 1 | $ 205,000 | $ 205,000 | $ 105,000 |
| Hardee County Florida | 1 | $ 215,000 | $ 215,000 | $ 70,000 |
| Indian River County Florida | 1 | $ 2,005,000 | $ 2,005,000 | $ 404,000 |
| Levy County Florida | 1 | $ 185,000 | $ 185,000 | $ 146,000 |
| Nassau County Florida | 1 | $ 355,000 | $ 355,000 | $ 397,000 |
| DeKalb County Illinois | 1 | $ 165,000 | $ 165,000 | $ 46,000 |
| Kane County Illinois | 1 | $ 245,000 | $ 245,000 | $ 115,000 |
| Kendall County Illinois | 1 | $ 335,000 | $ 335,000 | $ 222,000 |
| Lake County Illinois | 1 | $ 355,000 | $ 355,000 | $ 80,000 |
| Fountain County Indiana | 1 | $ 115,000 | $ 115,000 | $ 73,000 |
| Hamilton County Indiana | 1 | $ 295,000 | $ 295,000 | $ 81,000 |
| Hendricks County Indiana | 1 | $ 415,000 | $ 415,000 | $ 97,000 |
| Jefferson County Indiana | 1 | $ 105,000 | $ 105,000 | $ 34,000 |
| Marion County Indiana | 1 | $ 535,000 | $ 535,000 | $ 489,000 |
| Alcona County Michigan | 1 | $ 315,000 | $ 315,000 | $ 294,000 |
| Gogebic County Michigan | 1 | $ 75,000 | $ 75,000 | $ 165,000 |
| Ontonagon County Michigan | 1 | $ 335,000 | $ 335,000 | $ 57,000 |
| Johnston County North Carolina | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Clark County Ohio | 1 | $ 125,000 | $ 125,000 | $ 78,000 |
| Clermont County Ohio | 1 | $ 375,000 | $ 375,000 | $ 160,000 |
| Franklin County Ohio | 1 | $ 245,000 | $ 245,000 | $ 173,000 |
| Greene County Ohio | 1 | $ 455,000 | $ 455,000 | $ 149,000 |
| Holmes County Ohio | 1 | $ 65,000 | $ 65,000 | $ 50,000 |
| Madison County Ohio | 1 | $ 135,000 | $ 135,000 | $ 65,000 |
| Montgomery County Ohio | 1 | $ 225,000 | $ 225,000 | $ 134,000 |
| Union County Ohio | 1 | $ 505,000 | $ 505,000 | $ 286,000 |
| Wood County Ohio | 1 | $ 295,000 | $ 295,000 | $ 110,000 |
| Racine County Wisconsin | 1 | $ 275,000 | $ 275,000 | $ 320,000 |
| Rock County Wisconsin | 1 | $ 135,000 | $ 135,000 | $ 232,000 |
| Sawyer County Wisconsin | 1 | $ 75,000 | $ 75,000 | $ 62,000 |
| Walworth County Wisconsin | 1 | $ 135,000 | $ 135,000 | $ 84,000 |
| Wood County Wisconsin | 1 | $ 445,000 | $ 445,000 | $ 291,000 |
Mortgage Loan Application Detail Totals for Lake Michigan Credit Union in 2022
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 | 10,414 | $3,846,420,000 | $369,000 | $27,305,000 | $154,000 | $5,992,000 |
| Home Improvement | 4,902 | $344,570,000 | $70,000 | $2,505,000 | $121,000 | $3,957,000 |
| Refinancing | 2,264 | $360,940,000 | $159,000 | $2,225,000 | $118,000 | $2,366,000 |
| Other Purpose | 1,611 | $146,605,000 | $91,000 | $2,005,000 | $126,000 | $3,673,000 |
| Cash-out Refinancing | 1,211 | $319,455,000 | $263,000 | $1,725,000 | $109,000 | $981,000 |
| Not Applicable | 74 | $12,870,000 | $173,000 | $535,000 | $0 | $0 |
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 | 12,902 | $3,189,500,000 | $247,000 | $4,905,000 | $134,000 | $5,992,000 |
| Not Provided | 5,678 | $1,322,210,000 | $232,000 | $7,205,000 | $149,000 | $2,528,000 |
| Hispanic | 722 | $146,700,000 | $203,000 | $1,855,000 | $103,000 | $800,000 |
| Black or African American | 456 | $103,480,000 | $226,000 | $2,475,000 | $116,000 | $1,120,000 |
| Asian | 405 | $139,005,000 | $343,000 | $2,075,000 | $142,000 | $942,000 |
| Not applicable | 117 | $63,595,000 | $543,000 | $27,305,000 | $0 | $0 |
| American Indian or Alaskan Native | 71 | $12,845,000 | $180,000 | $645,000 | $99,000 | $382,000 |
| Native Hawaiian or Other Pacific Islander | 7 | $825,000 | $117,000 | $225,000 | $192,000 | $598,000 |
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) | 19,832 | $4,884,530,000 | $246,000 | $27,305,000 | $139,000 | $5,992,000 |
| FHA-insured (Federal Housing Administration) | 489 | $101,965,000 | $208,000 | $525,000 | $70,000 | $275,000 |
| VA-guaranteed (Veterans Administration) | 111 | $35,935,000 | $323,000 | $635,000 | $106,000 | $302,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 44 | $8,430,000 | $191,000 | $325,000 | $60,000 | $94,000 |
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 | 15,460 | $3,899,960,000 | $252,000 | $27,305,000 | $138,000 | $3,744,000 |
| Application Withdrawn By Applicant | 2,353 | $718,225,000 | $305,000 | $4,905,000 | $150,000 | $5,992,000 |
| Application Denied By Financial Institution | 1,436 | $212,550,000 | $148,000 | $7,205,000 | $112,000 | $2,187,000 |
| File Closed For Incompleteness | 618 | $118,990,000 | $192,000 | $4,005,000 | $130,000 | $1,194,000 |
| Application Approved But Not Accepted | 535 | $68,265,000 | $127,000 | $1,405,000 | $129,000 | $1,258,000 |
| Loan Purchased By The Institution | 74 | $12,870,000 | $173,000 | $535,000 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 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 |
|---|---|---|---|---|---|---|
| Not applicable | 19,040 | $4,818,310,000 | $253,000 | $27,305,000 | $139,000 | $5,992,000 |
| Collateral | 539 | $85,675,000 | $158,000 | $7,205,000 | $150,000 | $2,187,000 |
| Debt-To-Income Ratio | 524 | $76,160,000 | $145,000 | $1,875,000 | $66,000 | $417,000 |
| Credit History | 245 | $24,035,000 | $98,000 | $2,175,000 | $107,000 | $1,703,000 |
| Other | 76 | $10,990,000 | $144,000 | $1,505,000 | $167,000 | $827,000 |
| Employment History | 22 | $6,100,000 | $277,000 | $1,605,000 | $99,000 | $400,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 18 | $8,210,000 | $456,000 | $2,005,000 | $148,000 | $421,000 |
| Unverifiable Information | 11 | $1,085,000 | $98,000 | $175,000 | $148,000 | $500,000 |
| Credit Application Incomplete | 1 | $295,000 | $295,000 | $295,000 | $131,000 | $131,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Lake Michigan Credit Union's 2022 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.
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with aggregated HMDA statistics today.