Summit Community Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2011
Summit Community Bank 2011 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 | Summit Community Bank 1600 Abbot Rd East Lansing, MI 48823 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 |
| Total Number of Mortgage Applications | 1,186 |
| Total Mortgage Loan Application Amount | $202,708,000 |
| Average Mortgage Loan Application Amount | $171,500 |
| Highest Mortgage Loan Application Amount | $1,100,000 |
| Average Applicant Income | $100,500 |
| Highest Applicant Income | $1,111,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2011 with Summit Community Bank. 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 Summit Community Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2011 breaks down Summit Community Bank'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 Summit Community Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by Summit Community Bank, 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 Summit Community Bank's mortgage activity for 2011.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Ingham County Michigan | 527 | $ 86,231,000 | $ 163,000 | $ 97,000 |
| Eaton County Michigan | 193 | $ 25,212,000 | $ 130,000 | $ 67,000 |
| Clinton County Michigan | 157 | $ 27,039,000 | $ 172,000 | $ 95,000 |
| Shiawassee County Michigan | 48 | $ 6,223,000 | $ 129,000 | $ 75,000 |
| Livingston County Michigan | 19 | $ 3,586,000 | $ 188,000 | $ 98,000 |
| Oakland County Michigan | 18 | $ 4,645,000 | $ 258,000 | $ 175,000 |
| Washtenaw County Michigan | 14 | $ 3,031,000 | $ 216,000 | $ 120,000 |
| Calhoun County Michigan | 9 | $ 1,249,000 | $ 138,000 | $ 77,000 |
| Ionia County Michigan | 8 | $ 1,055,000 | $ 131,000 | $ 77,000 |
| Roscommon County Michigan | 8 | $ 1,610,000 | $ 201,000 | $ 305,000 |
| Kalamazoo County Michigan | 7 | $ 1,457,000 | $ 208,000 | $ 139,000 |
| Midland County Michigan | 7 | $ 1,400,000 | $ 200,000 | $ 115,000 |
| Kent County Michigan | 6 | $ 1,115,000 | $ 185,000 | $ 94,000 |
| Wayne County Michigan | 6 | $ 1,076,000 | $ 179,000 | $ 74,000 |
| Grand Traverse County Michigan | 5 | $ 1,144,000 | $ 228,000 | $ 117,000 |
| Alcona County Michigan | 4 | $ 403,000 | $ 100,000 | $ 113,000 |
| Antrim County Michigan | 4 | $ 1,432,000 | $ 358,000 | $ 186,000 |
| Barry County Michigan | 4 | $ 387,000 | $ 96,000 | $ 104,000 |
| Clare County Michigan | 4 | $ 476,000 | $ 119,000 | $ 88,000 |
| Emmet County Michigan | 4 | $ 1,235,000 | $ 308,000 | $ 281,000 |
| Genesee County Michigan | 4 | $ 366,000 | $ 91,000 | $ 56,000 |
| Montcalm County Michigan | 4 | $ 724,000 | $ 181,000 | $ 167,000 |
| Orange County North Carolina | 4 | $ 1,211,000 | $ 302,000 | $ 122,000 |
| Wake County North Carolina | 4 | $ 1,071,000 | $ 267,000 | $ 151,000 |
| Collin County Texas | 4 | $ 893,000 | $ 223,000 | $ 113,000 |
| Cook County Illinois | 3 | $ 1,163,000 | $ 387,000 | $ 229,000 |
| Iosco County Michigan | 3 | $ 461,000 | $ 153,000 | $ 107,000 |
| Mecosta County Michigan | 3 | $ 422,000 | $ 140,000 | $ 82,000 |
| Oceana County Michigan | 3 | $ 444,000 | $ 148,000 | $ 156,000 |
| Saginaw County Michigan | 3 | $ 378,000 | $ 126,000 | $ 103,000 |
| Delaware County Ohio | 3 | $ 930,000 | $ 310,000 | $ 150,000 |
| Hamilton County Ohio | 3 | $ 806,000 | $ 268,000 | $ 197,000 |
| Pulaski County Arkansas | 2 | $ 631,000 | $ 315,000 | $ 151,000 |
| San Diego County California | 2 | $ 2,100,000 | $ 1,050,000 | $ 492,000 |
| Cobb County Georgia | 2 | $ 141,000 | $ 70,000 | $ 190,000 |
| Fulton County Georgia | 2 | $ 436,000 | $ 218,000 | $ 69,000 |
| Lake County Illinois | 2 | $ 514,000 | $ 257,000 | $ 180,000 |
| Fayette County Kentucky | 2 | $ 750,000 | $ 375,000 | $ 97,000 |
| Charlevoix County Michigan | 2 | $ 483,000 | $ 241,000 | $ 136,000 |
| Gladwin County Michigan | 2 | $ 171,000 | $ 85,000 | $ 80,000 |
| Isabella County Michigan | 2 | $ 434,000 | $ 217,000 | $ 163,000 |
| Newaygo County Michigan | 2 | $ 326,000 | $ 163,000 | $ 96,000 |
| Ottawa County Michigan | 2 | $ 306,000 | $ 153,000 | $ 152,000 |
| St. Clair County Michigan | 2 | $ 380,000 | $ 190,000 | $ 203,000 |
| Hennepin County Minnesota | 2 | $ 686,000 | $ 343,000 | $ 163,000 |
| Mecklenburg County North Carolina | 2 | $ 664,000 | $ 332,000 | $ 111,000 |
| Union County North Carolina | 2 | $ 552,000 | $ 276,000 | $ 95,000 |
| Franklin County Ohio | 2 | $ 573,000 | $ 286,000 | $ 126,000 |
| Geauga County Ohio | 2 | $ 452,000 | $ 226,000 | $ 100,000 |
| Medina County Ohio | 2 | $ 489,000 | $ 244,000 | $ 102,000 |
| Bucks County Pennsylvania | 2 | $ 778,000 | $ 389,000 | $ 197,000 |
| Chester County Pennsylvania | 2 | $ 599,000 | $ 299,000 | $ 149,000 |
| Dallas County Texas | 2 | $ 439,000 | $ 219,000 | $ 106,000 |
| Denton County Texas | 2 | $ 558,000 | $ 279,000 | $ 159,000 |
| Travis County Texas | 2 | $ 876,000 | $ 438,000 | $ 211,000 |
| Lee County Alabama | 1 | $ 137,000 | $ 137,000 | $ 65,000 |
| Madison County Alabama | 1 | $ 393,000 | $ 393,000 | $ 168,000 |
| Saline County Arkansas | 1 | $ 338,000 | $ 338,000 | $ 142,000 |
| Solano County California | 1 | $ 380,000 | $ 380,000 | $ 126,000 |
| Charlotte County Florida | 1 | $ 334,000 | $ 334,000 | $ 116,000 |
| Lee County Florida | 1 | $ 200,000 | $ 200,000 | $ 275,000 |
| Manatee County Florida | 1 | $ 417,000 | $ 417,000 | $ 501,000 |
| Miami-Dade County Florida | 1 | $ 417,000 | $ 417,000 | $ 214,000 |
| Palm Beach County Florida | 1 | $ 417,000 | $ 417,000 | $ 657,000 |
| DuPage County Illinois | 1 | $ 279,000 | $ 279,000 | $ 159,000 |
| Kane County Illinois | 1 | $ 316,000 | $ 316,000 | $ 293,000 |
| Allen County Indiana | 1 | $ 192,000 | $ 192,000 | $ 79,000 |
| Hamilton County Indiana | 1 | $ 278,000 | $ 278,000 | $ 182,000 |
| Kosciusko County Indiana | 1 | $ 166,000 | $ 166,000 | $ 100,000 |
| Marion County Indiana | 1 | $ 213,000 | $ 213,000 | $ 115,000 |
| Scott County Kentucky | 1 | $ 262,000 | $ 262,000 | $ 111,000 |
| Arenac County Michigan | 1 | $ 361,000 | $ 361,000 | $ 392,000 |
| Benzie County Michigan | 1 | $ 255,000 | $ 255,000 | $ 311,000 |
| Berrien County Michigan | 1 | $ 219,000 | $ 219,000 | $ 92,000 |
| Cheboygan County Michigan | 1 | $ 128,000 | $ 128,000 | $ 46,000 |
| Gratiot County Michigan | 1 | $ 75,000 | $ 75,000 | $ 33,000 |
| Hillsdale County Michigan | 1 | $ 91,000 | $ 91,000 | $ 39,000 |
| Jackson County Michigan | 1 | $ 156,000 | $ 156,000 | $ 57,000 |
| Kalkaska County Michigan | 1 | $ 154,000 | $ 154,000 | $ 72,000 |
| Keweenaw County Michigan | 1 | $ 97,000 | $ 97,000 | $ 50,000 |
| Lapeer County Michigan | 1 | $ 116,000 | $ 116,000 | $ 104,000 |
| Leelanau County Michigan | 1 | $ 130,000 | $ 130,000 | $ 121,000 |
| Lenawee County Michigan | 1 | $ 50,000 | $ 50,000 | $ 40,000 |
| Muskegon County Michigan | 1 | $ 117,000 | $ 117,000 | $ 76,000 |
| Osceola County Michigan | 1 | $ 113,000 | $ 113,000 | $ 72,000 |
| Otsego County Michigan | 1 | $ 92,000 | $ 92,000 | $ 150,000 |
| Ramsey County Minnesota | 1 | $ 244,000 | $ 244,000 | $ 83,000 |
| St. Charles County Missouri | 1 | $ 240,000 | $ 240,000 | $ 111,000 |
| Cabarrus County North Carolina | 1 | $ 185,000 | $ 185,000 | $ 145,000 |
| Catawba County North Carolina | 1 | $ 194,000 | $ 194,000 | $ 98,000 |
| Forsyth County North Carolina | 1 | $ 211,000 | $ 211,000 | $ 67,000 |
| Guilford County North Carolina | 1 | $ 175,000 | $ 175,000 | $ 124,000 |
| Warren County North Carolina | 1 | $ 152,000 | $ 152,000 | $ 100,000 |
| Fairfield County Ohio | 1 | $ 224,000 | $ 224,000 | $ 124,000 |
| Montgomery County Pennsylvania | 1 | $ 375,000 | $ 375,000 | $ 123,000 |
| Greenville County South Carolina | 1 | $ 292,000 | $ 292,000 | $ 89,000 |
| Williamson County Tennessee | 1 | $ 236,000 | $ 236,000 | $ 81,000 |
| Grayson County Texas | 1 | $ 114,000 | $ 114,000 | $ 54,000 |
| Harris County Texas | 1 | $ 308,000 | $ 308,000 | $ 109,000 |
| Wood County Texas | 1 | $ 170,000 | $ 170,000 | $ 58,000 |
Mortgage Loan Application Detail Totals for Summit Community Bank in 2011
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 | 609 | $85,260,000 | $140,000 | $855,000 | $77,000 | $514,000 |
| Refinancing | 577 | $117,448,000 | $203,000 | $1,100,000 | $124,000 | $1,111,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $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 | 1,044 | $172,141,000 | $164,000 | $1,100,000 | $100,000 | $1,111,000 |
| Asian | 72 | $16,742,000 | $232,000 | $417,000 | $121,000 | $336,000 |
| Hispanic | 24 | $3,604,000 | $150,000 | $380,000 | $81,000 | $254,000 |
| Black or African American | 22 | $3,546,000 | $161,000 | $417,000 | $74,000 | $214,000 |
| Not Provided | 13 | $3,152,000 | $242,000 | $401,000 | $102,000 | $146,000 |
| Not applicable | 8 | $3,162,000 | $395,000 | $980,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 2 | $279,000 | $139,000 | $235,000 | $84,000 | $137,000 |
| American Indian or Alaskan Native | 1 | $82,000 | $82,000 | $82,000 | $110,000 | $110,000 |
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) | 794 | $156,634,000 | $197,000 | $1,100,000 | $123,000 | $1,111,000 |
| FHA-insured (Federal Housing Administration) | 259 | $30,631,000 | $118,000 | $379,000 | $58,000 | $216,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 123 | $13,904,000 | $113,000 | $220,000 | $42,000 | $82,000 |
| VA-guaranteed (Veterans Administration) | 10 | $1,539,000 | $153,000 | $332,000 | $70,000 | $143,000 |
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 | 867 | $149,308,000 | $172,000 | $1,100,000 | $99,000 | $1,111,000 |
| Application Withdrawn By Applicant | 238 | $40,099,000 | $168,000 | $417,000 | $107,000 | $653,000 |
| Application Denied By Financial Institution | 67 | $10,145,000 | $151,000 | $417,000 | $81,000 | $274,000 |
| Loan Purchased By The Institution | 8 | $2,411,000 | $301,000 | $746,000 | $150,000 | $447,000 |
| Application Approved But Not Accepted | 6 | $745,000 | $124,000 | $152,000 | $115,000 | $169,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $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 |
|---|---|---|---|---|---|---|
| Credit History | 1 | $38,000 | $38,000 | $38,000 | $27,000 | $27,000 |
| 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 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Summit Community Bank's 2011 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 Summit Community Bank'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.