Summit Community Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2012
Summit Community Bank 2012 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 | 1,827 |
| Total Mortgage Loan Application Amount | $311,149,000 |
| Average Mortgage Loan Application Amount | $160,333 |
| Highest Mortgage Loan Application Amount | $2,200,000 |
| Average Applicant Income | $90,333 |
| Highest Applicant Income | $1,200,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2012 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 2012 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 2012.
| 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 | 829 | $ 136,636,000 | $ 164,000 | $ 107,000 |
| Clinton County Michigan | 313 | $ 55,719,000 | $ 178,000 | $ 96,000 |
| Eaton County Michigan | 289 | $ 41,165,000 | $ 142,000 | $ 75,000 |
| Shiawassee County Michigan | 54 | $ 7,093,000 | $ 131,000 | $ 63,000 |
| Oakland County Michigan | 38 | $ 8,765,000 | $ 230,000 | $ 140,000 |
| Livingston County Michigan | 23 | $ 3,782,000 | $ 164,000 | $ 84,000 |
| Kent County Michigan | 22 | $ 4,684,000 | $ 212,000 | $ 115,000 |
| Ionia County Michigan | 17 | $ 2,581,000 | $ 151,000 | $ 95,000 |
| Charlevoix County Michigan | 14 | $ 3,719,000 | $ 265,000 | $ 255,000 |
| Midland County Michigan | 13 | $ 3,012,000 | $ 231,000 | $ 86,000 |
| Emmet County Michigan | 12 | $ 3,144,000 | $ 262,000 | $ 206,000 |
| Genesee County Michigan | 9 | $ 1,564,000 | $ 173,000 | $ 85,000 |
| Grand Traverse County Michigan | 9 | $ 1,875,000 | $ 208,000 | $ 103,000 |
| Ottawa County Michigan | 9 | $ 1,495,000 | $ 166,000 | $ 83,000 |
| Calhoun County Michigan | 8 | $ 1,160,000 | $ 145,000 | $ 62,000 |
| Jackson County Michigan | 8 | $ 1,382,000 | $ 172,000 | $ 112,000 |
| Washtenaw County Michigan | 8 | $ 1,359,000 | $ 169,000 | $ 99,000 |
| Wayne County Michigan | 8 | $ 1,018,000 | $ 127,000 | $ 93,000 |
| Isabella County Michigan | 6 | $ 1,260,000 | $ 210,000 | $ 156,000 |
| Mecosta County Michigan | 6 | $ 1,194,000 | $ 199,000 | $ 124,000 |
| Sumter County Florida | 5 | $ 1,092,000 | $ 218,000 | $ 120,000 |
| Antrim County Michigan | 4 | $ 1,003,000 | $ 250,000 | $ 128,000 |
| Barry County Michigan | 4 | $ 684,000 | $ 171,000 | $ 175,000 |
| Kalamazoo County Michigan | 4 | $ 730,000 | $ 182,000 | $ 62,000 |
| Lapeer County Michigan | 4 | $ 552,000 | $ 138,000 | $ 81,000 |
| Leelanau County Michigan | 4 | $ 969,000 | $ 242,000 | $ 141,000 |
| Missaukee County Michigan | 4 | $ 554,000 | $ 138,000 | $ 144,000 |
| Montcalm County Michigan | 4 | $ 370,000 | $ 92,000 | $ 46,000 |
| Muskegon County Michigan | 4 | $ 434,000 | $ 108,000 | $ 53,000 |
| Denton County Texas | 4 | $ 2,116,000 | $ 529,000 | $ 215,000 |
| Fulton County Georgia | 3 | $ 961,000 | $ 320,000 | $ 202,000 |
| Howard County Maryland | 3 | $ 668,000 | $ 222,000 | $ 208,000 |
| Oceana County Michigan | 3 | $ 527,000 | $ 175,000 | $ 62,000 |
| Saginaw County Michigan | 3 | $ 395,000 | $ 131,000 | $ 76,000 |
| Wexford County Michigan | 3 | $ 493,000 | $ 164,000 | $ 158,000 |
| Hillsborough County Florida | 2 | $ 421,000 | $ 210,000 | $ 116,000 |
| Manatee County Florida | 2 | $ 736,000 | $ 368,000 | $ 433,000 |
| Hamilton County Indiana | 2 | $ 424,000 | $ 212,000 | $ 100,000 |
| Benzie County Michigan | 2 | $ 266,000 | $ 133,000 | $ 153,000 |
| Berrien County Michigan | 2 | $ 293,000 | $ 146,000 | $ 96,000 |
| Branch County Michigan | 2 | $ 307,000 | $ 153,000 | $ 107,000 |
| Cheboygan County Michigan | 2 | $ 495,000 | $ 247,000 | $ 139,000 |
| Clare County Michigan | 2 | $ 253,000 | $ 126,000 | $ 51,000 |
| Iosco County Michigan | 2 | $ 108,000 | $ 54,000 | $ 60,000 |
| Kalkaska County Michigan | 2 | $ 321,000 | $ 160,000 | $ 141,000 |
| Macomb County Michigan | 2 | $ 226,000 | $ 113,000 | $ 81,000 |
| Roscommon County Michigan | 2 | $ 289,000 | $ 144,000 | $ 87,000 |
| Alamance County North Carolina | 2 | $ 285,000 | $ 142,000 | $ 68,000 |
| Stark County Ohio | 2 | $ 646,000 | $ 323,000 | $ 127,000 |
| Summit County Ohio | 2 | $ 469,000 | $ 234,000 | $ 90,000 |
| Montgomery County Pennsylvania | 2 | $ 382,000 | $ 191,000 | $ 161,000 |
| Collin County Texas | 2 | $ 1,477,000 | $ 738,000 | $ 410,000 |
| Dallas County Texas | 2 | $ 1,079,000 | $ 539,000 | $ 316,000 |
| Yavapai County Arizona | 1 | $ 296,000 | $ 296,000 | $ 500,000 |
| Pulaski County Arkansas | 1 | $ 386,000 | $ 386,000 | $ 234,000 |
| Humboldt County California | 1 | $ 270,000 | $ 270,000 | $ 81,000 |
| Solano County California | 1 | $ 361,000 | $ 361,000 | $ 185,000 |
| Denver County Colorado | 1 | $ 330,000 | $ 330,000 | $ 120,000 |
| Broward County Florida | 1 | $ 255,000 | $ 255,000 | $ 204,000 |
| Charlotte County Florida | 1 | $ 192,000 | $ 192,000 | $ 1,200,000 |
| Lee County Florida | 1 | $ 124,000 | $ 124,000 | $ 40,000 |
| Palm Beach County Florida | 1 | $ 290,000 | $ 290,000 | $ 657,000 |
| Seminole County Florida | 1 | $ 121,000 | $ 121,000 | $ 158,000 |
| DeKalb County Georgia | 1 | $ 268,000 | $ 268,000 | $ 165,000 |
| Honolulu County Hawaii | 1 | $ 264,000 | $ 264,000 | $ 77,000 |
| Cook County Illinois | 1 | $ 417,000 | $ 417,000 | $ 220,000 |
| Lake County Illinois | 1 | $ 268,000 | $ 268,000 | $ 218,000 |
| Elkhart County Indiana | 1 | $ 417,000 | $ 417,000 | $ 268,000 |
| Fayette County Kentucky | 1 | $ 150,000 | $ 150,000 | $ 109,000 |
| Alger County Michigan | 1 | $ 115,000 | $ 115,000 | $ 154,000 |
| Bay County Michigan | 1 | $ 36,000 | $ 36,000 | $ 74,000 |
| Cass County Michigan | 1 | $ 406,000 | $ 406,000 | $ 108,000 |
| Chippewa County Michigan | 1 | $ 176,000 | $ 176,000 | $ 155,000 |
| Gladwin County Michigan | 1 | $ 105,000 | $ 105,000 | $ 49,000 |
| Gratiot County Michigan | 1 | $ 53,000 | $ 53,000 | $ 28,000 |
| Hillsdale County Michigan | 1 | $ 98,000 | $ 98,000 | $ 49,000 |
| Lenawee County Michigan | 1 | $ 94,000 | $ 94,000 | $ 250,000 |
| Manistee County Michigan | 1 | $ 40,000 | $ 40,000 | $ 129,000 |
| Marquette County Michigan | 1 | $ 81,000 | $ 81,000 | $ 250,000 |
| St. Clair County Michigan | 1 | $ 165,000 | $ 165,000 | $ 116,000 |
| Van Buren County Michigan | 1 | $ 146,000 | $ 146,000 | $ 123,000 |
| Otter Tail County Minnesota | 1 | $ 184,000 | $ 184,000 | $ 60,000 |
| Cabarrus County North Carolina | 1 | $ 249,000 | $ 249,000 | $ 83,000 |
| Union County North Carolina | 1 | $ 161,000 | $ 161,000 | $ 151,000 |
| Clermont County Ohio | 1 | $ 244,000 | $ 244,000 | $ 180,000 |
| Cuyahoga County Ohio | 1 | $ 410,000 | $ 410,000 | $ 103,000 |
| Cumberland County Pennsylvania | 1 | $ 417,000 | $ 417,000 | $ 425,000 |
| Lehigh County Pennsylvania | 1 | $ 188,000 | $ 188,000 | $ 79,000 |
| Horry County South Carolina | 1 | $ 96,000 | $ 96,000 | $ 96,000 |
| Brazoria County Texas | 1 | $ 154,000 | $ 154,000 | $ 188,000 |
| Harris County Texas | 1 | $ 291,000 | $ 291,000 | $ 109,000 |
| Parker County Texas | 1 | $ 103,000 | $ 103,000 | $ 181,000 |
Mortgage Loan Application Detail Totals for Summit Community Bank in 2012
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 |
|---|---|---|---|---|---|---|
| Refinancing | 942 | $178,437,000 | $189,000 | $2,200,000 | $120,000 | $1,200,000 |
| Home Purchase | 884 | $132,569,000 | $149,000 | $858,000 | $86,000 | $710,000 |
| Home Improvement | 1 | $143,000 | $143,000 | $143,000 | $65,000 | $65,000 |
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 | 1,626 | $271,190,000 | $166,000 | $1,000,000 | $104,000 | $1,200,000 |
| Asian | 101 | $21,173,000 | $209,000 | $417,000 | $115,000 | $480,000 |
| Black or African American | 39 | $5,838,000 | $149,000 | $501,000 | $86,000 | $300,000 |
| Hispanic | 35 | $5,305,000 | $151,000 | $363,000 | $92,000 | $353,000 |
| Not applicable | 12 | $4,927,000 | $410,000 | $2,200,000 | $0 | $0 |
| Not Provided | 9 | $1,671,000 | $185,000 | $321,000 | $102,000 | $188,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $625,000 | $208,000 | $226,000 | $155,000 | $233,000 |
| American Indian or Alaskan Native | 2 | $420,000 | $210,000 | $318,000 | $140,000 | $147,000 |
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) | 1,409 | $258,165,000 | $183,000 | $2,200,000 | $118,000 | $1,200,000 |
| FHA-insured (Federal Housing Administration) | 253 | $30,703,000 | $121,000 | $276,000 | $59,000 | $534,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 133 | $16,480,000 | $123,000 | $253,000 | $46,000 | $95,000 |
| VA-guaranteed (Veterans Administration) | 32 | $5,801,000 | $181,000 | $501,000 | $76,000 | $243,000 |
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 | 1,446 | $243,932,000 | $168,000 | $2,200,000 | $103,000 | $1,200,000 |
| Application Withdrawn By Applicant | 285 | $48,062,000 | $168,000 | $417,000 | $104,000 | $849,000 |
| Application Denied By Financial Institution | 80 | $12,899,000 | $161,000 | $417,000 | $82,000 | $480,000 |
| Loan Purchased By The Institution | 12 | $5,389,000 | $449,000 | $797,000 | $276,000 | $514,000 |
| Application Approved But Not Accepted | 3 | $667,000 | $222,000 | $285,000 | $106,000 | $174,000 |
| File Closed For Incompleteness | 1 | $200,000 | $200,000 | $200,000 | $99,000 | $99,000 |
| 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 |
|---|---|---|---|---|---|---|
| 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 Summit Community Bank's 2012 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.