Jim Wolfington, Vice President at Chelsea State Bank, received the Federal Home Loan Bank of Indianapolis Community Spirit Award at the 2018 Building Michigan Communities Conference in Lansing, Michigan. Jim was nominated for the award by Ann Arbor, MI-based Avalon Housing - a nonprofit real estate developer, property manager, and support services organization. He has worked on multiple FHLBank Indianapolis Affordable Housing Program (AHP) grant projects with Avalon, as well as one with the Ann Arbor Housing Commission, securing over $2.3 million for his community. Jim’s support for his community extends beyond his professional work. He serves on the Ann Arbor Community Board of Ele’s Place, a nonprofit that provides support to grieving children and their families; serves as treasurer on the board of directors of the Lurie Terrace Senior Apartments, a nonprofit senior housing community based in Ann Arbor; and is a member of the Ann Arbor Kiwanis Club.

Yolanda Davis, Horizon Bank Vice President and Community Reinvestment Act Officer, with the Community Spirit Award at the Indiana Housing Conference on September 27, 2018. Davis was nominated for the Community Spirit Award by her colleagues at Horizon Bank for her role in developing creative loan programs and outreach to underserved communities. Using her experience of 25 years in banking, Davis educates her coworkers and the community on how to best obtain and then use funding to make her clients housing dreams into a reality. Davis has helped many borrowers take advantage of the FHLBank Indianapolis Homeownership Initiatives grants such as the Neighborhood Impact Program (NIP), Homeownership Opportunity Program (HOP), and Accessibility Modification Program (AMP). In addition to her work with FHLBank Indianapolis programs, Davis has created new programs through Horizon Bank to assist potential homebuyers. One of the programs she created, called Home Pride, enables homeowners with lower credit scores to purchase homes with a fixed interest rate, low downpayment, and without mortgage insurance. This program, paired with other downpayment assistance programs, allows her customers to have more buying power.