Wolverine Bank Fsb
HMDA Loan Application Totals
and Mortgage Lending Details
for 2012
Wolverine Bank Fsb 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 | Wolverine Bank Fsb 5710 Eastman Ave Midland, MI 48640 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2016 2015 2014 2013 2012 2011 |
| Total Number of Mortgage Applications | 1,059 |
| Total Mortgage Loan Application Amount | $197,781,000 |
| Average Mortgage Loan Application Amount | $136,333 |
| Highest Mortgage Loan Application Amount | $4,848,000 |
| Average Applicant Income | $89,333 |
| Highest Applicant Income | $1,271,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2012 with Wolverine Bank Fsb. 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 Wolverine Bank Fsb's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2012 breaks down Wolverine Bank Fsb'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 Wolverine Bank Fsb serves its applicants.
Each category highlights the total number of mortgage applications processed by Wolverine Bank Fsb, 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 Wolverine Bank Fsb'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 |
|---|---|---|---|---|
| Midland County Michigan | 466 | $ 78,189,000 | $ 167,000 | $ 104,000 |
| Saginaw County Michigan | 160 | $ 32,459,000 | $ 202,000 | $ 81,000 |
| Bay County Michigan | 80 | $ 12,589,000 | $ 157,000 | $ 76,000 |
| Gladwin County Michigan | 28 | $ 3,580,000 | $ 127,000 | $ 91,000 |
| Grand Traverse County Michigan | 18 | $ 3,288,000 | $ 182,000 | $ 70,000 |
| Oakland County Michigan | 18 | $ 3,243,000 | $ 180,000 | $ 244,000 |
| Roscommon County Michigan | 13 | $ 1,320,000 | $ 101,000 | $ 176,000 |
| Tuscola County Michigan | 13 | $ 1,698,000 | $ 130,000 | $ 70,000 |
| Maricopa County Arizona | 8 | $ 2,624,000 | $ 328,000 | $ 100,000 |
| Emmet County Michigan | 7 | $ 1,211,000 | $ 173,000 | $ 311,000 |
| Cheboygan County Michigan | 6 | $ 1,423,000 | $ 237,000 | $ 341,000 |
| Clinton County Michigan | 6 | $ 1,395,000 | $ 232,000 | $ 61,000 |
| Ingham County Michigan | 6 | $ 1,719,000 | $ 286,000 | $ 145,000 |
| Pima County Arizona | 5 | $ 1,177,000 | $ 235,000 | $ 120,000 |
| Clare County Michigan | 5 | $ 207,000 | $ 41,000 | $ 77,000 |
| Los Angeles County California | 4 | $ 1,306,000 | $ 326,000 | $ 67,000 |
| Orange County Florida | 4 | $ 645,000 | $ 161,000 | $ 115,000 |
| Gwinnett County Georgia | 4 | $ 629,000 | $ 157,000 | $ 107,000 |
| Antrim County Michigan | 4 | $ 808,000 | $ 202,000 | $ 178,000 |
| Arenac County Michigan | 4 | $ 456,000 | $ 114,000 | $ 116,000 |
| Charlevoix County Michigan | 4 | $ 795,000 | $ 198,000 | $ 187,000 |
| Genesee County Michigan | 4 | $ 347,000 | $ 86,000 | $ 82,000 |
| Iosco County Michigan | 4 | $ 444,000 | $ 111,000 | $ 108,000 |
| Isabella County Michigan | 4 | $ 5,120,000 | $ 1,280,000 | $ 60,000 |
| Macomb County Michigan | 4 | $ 568,000 | $ 142,000 | $ 74,000 |
| Wayne County Michigan | 4 | $ 568,000 | $ 142,000 | $ 102,000 |
| Clark County Nevada | 4 | $ 772,000 | $ 193,000 | $ 53,000 |
| Marion County Florida | 3 | $ 401,000 | $ 133,000 | $ 109,000 |
| Palm Beach County Florida | 3 | $ 529,000 | $ 176,000 | $ 79,000 |
| Fulton County Georgia | 3 | $ 668,000 | $ 222,000 | $ 68,000 |
| Cook County Illinois | 3 | $ 585,000 | $ 195,000 | $ 63,000 |
| Benzie County Michigan | 3 | $ 638,000 | $ 212,000 | $ 262,000 |
| Kent County Michigan | 3 | $ 412,000 | $ 137,000 | $ 175,000 |
| Leelanau County Michigan | 3 | $ 1,146,000 | $ 382,000 | $ 123,000 |
| Livingston County Michigan | 3 | $ 395,000 | $ 131,000 | $ 96,000 |
| Missaukee County Michigan | 3 | $ 353,000 | $ 117,000 | $ 73,000 |
| St. Clair County Michigan | 3 | $ 312,000 | $ 104,000 | $ 71,000 |
| Wexford County Michigan | 3 | $ 272,000 | $ 90,000 | $ 205,000 |
| San Joaquin County California | 2 | $ 398,000 | $ 199,000 | $ 149,000 |
| Jefferson County Colorado | 2 | $ 422,000 | $ 211,000 | $ 117,000 |
| Broward County Florida | 2 | $ 466,000 | $ 233,000 | $ 94,000 |
| Miami-Dade County Florida | 2 | $ 283,000 | $ 141,000 | $ 56,000 |
| Pinellas County Florida | 2 | $ 310,000 | $ 155,000 | $ 32,000 |
| Volusia County Florida | 2 | $ 424,000 | $ 212,000 | $ 128,000 |
| DeKalb County Georgia | 2 | $ 319,000 | $ 159,000 | $ 56,000 |
| Monroe County Georgia | 2 | $ 403,000 | $ 201,000 | $ 80,000 |
| Kane County Illinois | 2 | $ 336,000 | $ 168,000 | $ 61,000 |
| Alcona County Michigan | 2 | $ 159,000 | $ 79,000 | $ 24,000 |
| Kalkaska County Michigan | 2 | $ 292,000 | $ 146,000 | $ 75,000 |
| Manistee County Michigan | 2 | $ 621,000 | $ 310,000 | $ 157,000 |
| Monroe County Michigan | 2 | $ 1,388,000 | $ 694,000 | $ 0 |
| Osceola County Michigan | 2 | $ 142,000 | $ 71,000 | $ 81,000 |
| Otsego County Michigan | 2 | $ 191,000 | $ 95,000 | $ 113,000 |
| Ottawa County Michigan | 2 | $ 617,000 | $ 308,000 | $ 168,000 |
| Suffolk County New York | 2 | $ 476,000 | $ 238,000 | $ 107,000 |
| Shelby County Tennessee | 2 | $ 447,000 | $ 223,000 | $ 94,000 |
| King County Washington | 2 | $ 502,000 | $ 251,000 | $ 160,000 |
| Milwaukee County Wisconsin | 2 | $ 351,000 | $ 175,000 | $ 82,000 |
| Jefferson County Alabama | 1 | $ 171,000 | $ 171,000 | $ 60,000 |
| Apache County Arizona | 1 | $ 155,000 | $ 155,000 | $ 55,000 |
| Contra Costa County California | 1 | $ 409,000 | $ 409,000 | $ 142,000 |
| Fresno County California | 1 | $ 363,000 | $ 363,000 | $ 114,000 |
| Mono County California | 1 | $ 417,000 | $ 417,000 | $ 878,000 |
| Monterey County California | 1 | $ 391,000 | $ 391,000 | $ 148,000 |
| Riverside County California | 1 | $ 265,000 | $ 265,000 | $ 71,000 |
| San Bernardino County California | 1 | $ 155,000 | $ 155,000 | $ 42,000 |
| Adams County Colorado | 1 | $ 110,000 | $ 110,000 | $ 48,000 |
| Park County Colorado | 1 | $ 175,000 | $ 175,000 | $ 49,000 |
| Fairfield County Connecticut | 1 | $ 328,000 | $ 328,000 | $ 120,000 |
| Litchfield County Connecticut | 1 | $ 202,000 | $ 202,000 | $ 70,000 |
| New Haven County Connecticut | 1 | $ 150,000 | $ 150,000 | $ 78,000 |
| New Castle County Delaware | 1 | $ 175,000 | $ 175,000 | $ 68,000 |
| Sussex County Delaware | 1 | $ 197,000 | $ 197,000 | $ 102,000 |
| District of Columbia County District Of Columbia | 1 | $ 294,000 | $ 294,000 | $ 60,000 |
| Alachua County Florida | 1 | $ 127,000 | $ 127,000 | $ 76,000 |
| Collier County Florida | 1 | $ 357,000 | $ 357,000 | $ 1,219,000 |
| Hillsborough County Florida | 1 | $ 219,000 | $ 219,000 | $ 49,000 |
| Lee County Florida | 1 | $ 103,000 | $ 103,000 | $ 128,000 |
| Leon County Florida | 1 | $ 130,000 | $ 130,000 | $ 65,000 |
| Monroe County Florida | 1 | $ 417,000 | $ 417,000 | $ 878,000 |
| Pasco County Florida | 1 | $ 123,000 | $ 123,000 | $ 54,000 |
| Polk County Florida | 1 | $ 292,000 | $ 292,000 | $ 103,000 |
| Sarasota County Florida | 1 | $ 417,000 | $ 417,000 | $ 540,000 |
| Sumter County Florida | 1 | $ 250,000 | $ 250,000 | $ 82,000 |
| Carroll County Georgia | 1 | $ 132,000 | $ 132,000 | $ 96,000 |
| Cherokee County Georgia | 1 | $ 153,000 | $ 153,000 | $ 80,000 |
| Cobb County Georgia | 1 | $ 143,000 | $ 143,000 | $ 124,000 |
| Douglas County Georgia | 1 | $ 248,000 | $ 248,000 | $ 256,000 |
| Franklin County Georgia | 1 | $ 188,000 | $ 188,000 | $ 103,000 |
| Henry County Georgia | 1 | $ 164,000 | $ 164,000 | $ 63,000 |
| McIntosh County Georgia | 1 | $ 110,000 | $ 110,000 | $ 90,000 |
| Newton County Georgia | 1 | $ 94,000 | $ 94,000 | $ 30,000 |
| Paulding County Georgia | 1 | $ 144,000 | $ 144,000 | $ 120,000 |
| Boise County Idaho | 1 | $ 136,000 | $ 136,000 | $ 38,000 |
| Elmore County Idaho | 1 | $ 149,000 | $ 149,000 | $ 120,000 |
| DuPage County Illinois | 1 | $ 271,000 | $ 271,000 | $ 167,000 |
| Grundy County Illinois | 1 | $ 260,000 | $ 260,000 | $ 109,000 |
| Will County Illinois | 1 | $ 150,000 | $ 150,000 | $ 92,000 |
| Porter County Indiana | 1 | $ 92,000 | $ 92,000 | $ 63,000 |
| Fayette County Kentucky | 1 | $ 165,000 | $ 165,000 | $ 55,000 |
| Jefferson County Kentucky | 1 | $ 185,000 | $ 185,000 | $ 50,000 |
| Baltimore County Maryland | 1 | $ 186,000 | $ 186,000 | $ 64,000 |
| Baltimore City County Maryland | 1 | $ 387,000 | $ 387,000 | $ 236,000 |
| Charles County Maryland | 1 | $ 347,000 | $ 347,000 | $ 119,000 |
| Prince George's County Maryland | 1 | $ 300,000 | $ 300,000 | $ 98,000 |
| Essex County Massachusetts | 1 | $ 234,000 | $ 234,000 | $ 74,000 |
| Middlesex County Massachusetts | 1 | $ 240,000 | $ 240,000 | $ 110,000 |
| Suffolk County Massachusetts | 1 | $ 240,000 | $ 240,000 | $ 85,000 |
| Alpena County Michigan | 1 | $ 249,000 | $ 249,000 | $ 190,000 |
| Berrien County Michigan | 1 | $ 200,000 | $ 200,000 | $ 550,000 |
| Calhoun County Michigan | 1 | $ 4,136,000 | $ 4,136,000 | $ 0 |
| Crawford County Michigan | 1 | $ 129,000 | $ 129,000 | $ 76,000 |
| Eaton County Michigan | 1 | $ 144,000 | $ 144,000 | $ 0 |
| Huron County Michigan | 1 | $ 56,000 | $ 56,000 | $ 67,000 |
| Kalamazoo County Michigan | 1 | $ 275,000 | $ 275,000 | $ 0 |
| Lake County Michigan | 1 | $ 99,000 | $ 99,000 | $ 43,000 |
| Mason County Michigan | 1 | $ 143,000 | $ 143,000 | $ 154,000 |
| Montcalm County Michigan | 1 | $ 124,000 | $ 124,000 | $ 61,000 |
| Muskegon County Michigan | 1 | $ 146,000 | $ 146,000 | $ 72,000 |
| Ogemaw County Michigan | 1 | $ 116,000 | $ 116,000 | $ 109,000 |
| Oscoda County Michigan | 1 | $ 128,000 | $ 128,000 | $ 108,000 |
| Presque Isle County Michigan | 1 | $ 100,000 | $ 100,000 | $ 102,000 |
| Hennepin County Minnesota | 1 | $ 300,000 | $ 300,000 | $ 102,000 |
| Scott County Minnesota | 1 | $ 229,000 | $ 229,000 | $ 50,000 |
| Harrison County Mississippi | 1 | $ 97,000 | $ 97,000 | $ 137,000 |
| St. Louis City County Missouri | 1 | $ 200,000 | $ 200,000 | $ 101,000 |
| Douglas County Nevada | 1 | $ 224,000 | $ 224,000 | $ 86,000 |
| Lyon County Nevada | 1 | $ 310,000 | $ 310,000 | $ 123,000 |
| Nye County Nevada | 1 | $ 190,000 | $ 190,000 | $ 37,000 |
| Grafton County New Hampshire | 1 | $ 132,000 | $ 132,000 | $ 50,000 |
| Rockingham County New Hampshire | 1 | $ 236,000 | $ 236,000 | $ 110,000 |
| Bergen County New Jersey | 1 | $ 258,000 | $ 258,000 | $ 109,000 |
| Burlington County New Jersey | 1 | $ 417,000 | $ 417,000 | $ 391,000 |
| Cumberland County New Jersey | 1 | $ 224,000 | $ 224,000 | $ 53,000 |
| Middlesex County New Jersey | 1 | $ 255,000 | $ 255,000 | $ 120,000 |
| Monmouth County New Jersey | 1 | $ 275,000 | $ 275,000 | $ 50,000 |
| Ocean County New Jersey | 1 | $ 308,000 | $ 308,000 | $ 72,000 |
| Somerset County New Jersey | 1 | $ 196,000 | $ 196,000 | $ 85,000 |
| Warren County New Jersey | 1 | $ 153,000 | $ 153,000 | $ 98,000 |
| Nassau County New York | 1 | $ 332,000 | $ 332,000 | $ 86,000 |
| Brunswick County North Carolina | 1 | $ 175,000 | $ 175,000 | $ 114,000 |
| Lehigh County Pennsylvania | 1 | $ 162,000 | $ 162,000 | $ 61,000 |
| Northampton County Pennsylvania | 1 | $ 196,000 | $ 196,000 | $ 84,000 |
| Philadelphia County Pennsylvania | 1 | $ 293,000 | $ 293,000 | $ 60,000 |
| Pike County Pennsylvania | 1 | $ 218,000 | $ 218,000 | $ 67,000 |
| Kent County Rhode Island | 1 | $ 235,000 | $ 235,000 | $ 60,000 |
| Richland County South Carolina | 1 | $ 97,000 | $ 97,000 | $ 34,000 |
| Salt Lake County Utah | 1 | $ 100,000 | $ 100,000 | $ 77,000 |
| Chittenden County Vermont | 1 | $ 143,000 | $ 143,000 | $ 170,000 |
| Caroline County Virginia | 1 | $ 163,000 | $ 163,000 | $ 33,000 |
| Fairfax County Virginia | 1 | $ 295,000 | $ 295,000 | $ 75,000 |
| Falls Church County Virginia | 1 | $ 405,000 | $ 405,000 | $ 192,000 |
| Isle of Wight County Virginia | 1 | $ 168,000 | $ 168,000 | $ 57,000 |
| James City County Virginia | 1 | $ 176,000 | $ 176,000 | $ 225,000 |
| Loudoun County Virginia | 1 | $ 238,000 | $ 238,000 | $ 96,000 |
| Clark County Washington | 1 | $ 241,000 | $ 241,000 | $ 95,000 |
| Vilas County Wisconsin | 1 | $ 147,000 | $ 147,000 | $ 38,000 |
Mortgage Loan Application Detail Totals for Wolverine Bank Fsb 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 | 776 | $149,557,000 | $192,000 | $4,848,000 | $109,000 | $1,271,000 |
| Home Purchase | 276 | $47,915,000 | $173,000 | $2,160,000 | $95,000 | $550,000 |
| Home Improvement | 7 | $309,000 | $44,000 | $115,000 | $64,000 | $137,000 |
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 | 706 | $117,367,000 | $166,000 | $2,160,000 | $109,000 | $1,271,000 |
| Not Provided | 257 | $54,342,000 | $211,000 | $4,848,000 | $109,000 | $878,000 |
| Not applicable | 30 | $13,888,000 | $462,000 | $4,136,000 | $0 | $0 |
| Asian | 25 | $4,790,000 | $191,000 | $409,000 | $125,000 | $260,000 |
| Hispanic | 19 | $3,747,000 | $197,000 | $413,000 | $84,000 | $198,000 |
| Black or African American | 16 | $2,615,000 | $163,000 | $320,000 | $84,000 | $291,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $603,000 | $201,000 | $254,000 | $70,000 | $104,000 |
| American Indian or Alaskan Native | 3 | $429,000 | $143,000 | $185,000 | $73,000 | $125,000 |
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) | 1,055 | $197,494,000 | $187,000 | $4,848,000 | $105,000 | $1,271,000 |
| FHA-insured (Federal Housing Administration) | 4 | $287,000 | $71,000 | $119,000 | $35,000 | $49,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 726 | $142,983,000 | $196,000 | $4,848,000 | $113,000 | $1,271,000 |
| Application Denied By Financial Institution | 182 | $30,784,000 | $169,000 | $417,000 | $83,000 | $391,000 |
| Application Withdrawn By Applicant | 140 | $22,011,000 | $157,000 | $417,000 | $95,000 | $540,000 |
| File Closed For Incompleteness | 10 | $1,638,000 | $163,000 | $347,000 | $84,000 | $220,000 |
| Application Approved But Not Accepted | 1 | $365,000 | $365,000 | $365,000 | $165,000 | $165,000 |
| Loan Purchased By The Institution | 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 |
|---|---|---|---|---|---|---|
| Collateral | 75 | $13,062,000 | $174,000 | $409,000 | $101,000 | $372,000 |
| Credit History | 56 | $9,233,000 | $164,000 | $417,000 | $75,000 | $391,000 |
| Debt-To-Income Ratio | 32 | $5,231,000 | $163,000 | $417,000 | $59,000 | $202,000 |
| Other | 10 | $1,729,000 | $172,000 | $248,000 | $93,000 | $256,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $611,000 | $152,000 | $265,000 | $55,000 | $118,000 |
| Mortgage Insurance Denied | 2 | $377,000 | $188,000 | $191,000 | $66,000 | $87,000 |
| Unverifiable Information | 2 | $266,000 | $133,000 | $176,000 | $89,000 | $104,000 |
| Employment History | 1 | $275,000 | $275,000 | $275,000 | $50,000 | $50,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Wolverine Bank Fsb'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 Wolverine Bank Fsb'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.