Southcrest Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2013
Southcrest Bank 2013 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 | Southcrest Bank 108 S Church Street Thomaston, GA 30286 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 |
| Total Number of Mortgage Applications | 704 |
| Total Mortgage Loan Application Amount | $91,455,000 |
| Average Mortgage Loan Application Amount | $99,000 |
| Highest Mortgage Loan Application Amount | $750,000 |
| Average Applicant Income | $66,666 |
| Highest Applicant Income | $966,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2013 with Southcrest 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 Southcrest Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2013 breaks down Southcrest 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 Southcrest Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by Southcrest 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 Southcrest Bank's mortgage activity for 2013.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Upson County Georgia | 206 | $ 13,019,000 | $ 63,000 | $ 58,000 |
| Meriwether County Georgia | 64 | $ 3,849,000 | $ 60,000 | $ 47,000 |
| Cobb County Georgia | 41 | $ 7,290,000 | $ 177,000 | $ 70,000 |
| Fulton County Georgia | 32 | $ 6,955,000 | $ 217,000 | $ 96,000 |
| Madison County Alabama | 31 | $ 4,840,000 | $ 156,000 | $ 63,000 |
| Coweta County Georgia | 31 | $ 4,461,000 | $ 143,000 | $ 72,000 |
| Gwinnett County Georgia | 30 | $ 4,924,000 | $ 164,000 | $ 123,000 |
| DeKalb County Georgia | 22 | $ 4,228,000 | $ 192,000 | $ 107,000 |
| Fayette County Georgia | 15 | $ 3,553,000 | $ 236,000 | $ 132,000 |
| Cherokee County Georgia | 14 | $ 2,743,000 | $ 195,000 | $ 88,000 |
| Polk County Georgia | 12 | $ 1,606,000 | $ 133,000 | $ 52,000 |
| Douglas County Georgia | 11 | $ 1,299,000 | $ 118,000 | $ 41,000 |
| Talbot County Georgia | 11 | $ 854,000 | $ 77,000 | $ 101,000 |
| Forsyth County Georgia | 9 | $ 2,129,000 | $ 236,000 | $ 84,000 |
| Pike County Georgia | 9 | $ 1,436,000 | $ 159,000 | $ 121,000 |
| Jefferson County Alabama | 7 | $ 1,267,000 | $ 181,000 | $ 80,000 |
| Spalding County Georgia | 7 | $ 1,665,000 | $ 237,000 | $ 70,000 |
| Harris County Georgia | 6 | $ 635,000 | $ 105,000 | $ 49,000 |
| Lamar County Georgia | 5 | $ 279,000 | $ 55,000 | $ 79,000 |
| Paulding County Georgia | 5 | $ 601,000 | $ 120,000 | $ 63,000 |
| Troup County Georgia | 5 | $ 242,000 | $ 48,000 | $ 62,000 |
| Walker County Georgia | 5 | $ 611,000 | $ 122,000 | $ 51,000 |
| Carroll County Georgia | 4 | $ 311,000 | $ 77,000 | $ 33,000 |
| Haralson County Georgia | 4 | $ 357,000 | $ 89,000 | $ 55,000 |
| Muscogee County Georgia | 4 | $ 802,000 | $ 200,000 | $ 82,000 |
| Rockdale County Georgia | 4 | $ 1,239,000 | $ 309,000 | $ 165,000 |
| Hamilton County Tennessee | 4 | $ 448,000 | $ 112,000 | $ 36,000 |
| Bartow County Georgia | 3 | $ 713,000 | $ 237,000 | $ 132,000 |
| Clayton County Georgia | 3 | $ 174,000 | $ 58,000 | $ 38,000 |
| Hall County Georgia | 3 | $ 282,000 | $ 94,000 | $ 30,000 |
| Henry County Georgia | 3 | $ 596,000 | $ 198,000 | $ 68,000 |
| Marshall County Alabama | 2 | $ 301,000 | $ 150,000 | $ 63,000 |
| Shelby County Alabama | 2 | $ 654,000 | $ 327,000 | $ 136,000 |
| Riverside County California | 2 | $ 705,000 | $ 352,000 | $ 0 |
| Nassau County Florida | 2 | $ 654,000 | $ 327,000 | $ 150,000 |
| Butts County Georgia | 2 | $ 487,000 | $ 243,000 | $ 111,000 |
| Clarke County Georgia | 2 | $ 177,000 | $ 88,000 | $ 0 |
| Dawson County Georgia | 2 | $ 236,000 | $ 118,000 | $ 71,000 |
| Fannin County Georgia | 2 | $ 512,000 | $ 256,000 | $ 164,000 |
| Newton County Georgia | 2 | $ 115,000 | $ 57,000 | $ 508,000 |
| Richmond County Georgia | 2 | $ 384,000 | $ 192,000 | $ 45,000 |
| Walton County Georgia | 2 | $ 279,000 | $ 139,000 | $ 80,000 |
| Salt Lake County Utah | 2 | $ 443,000 | $ 221,000 | $ 136,000 |
| Autauga County Alabama | 1 | $ 68,000 | $ 68,000 | $ 49,000 |
| Calhoun County Alabama | 1 | $ 81,000 | $ 81,000 | $ 72,000 |
| Cherokee County Alabama | 1 | $ 90,000 | $ 90,000 | $ 25,000 |
| Chilton County Alabama | 1 | $ 145,000 | $ 145,000 | $ 72,000 |
| Houston County Alabama | 1 | $ 81,000 | $ 81,000 | $ 26,000 |
| Lee County Alabama | 1 | $ 61,000 | $ 61,000 | $ 75,000 |
| Montgomery County Alabama | 1 | $ 191,000 | $ 191,000 | $ 126,000 |
| St. Clair County Alabama | 1 | $ 172,000 | $ 172,000 | $ 96,000 |
| Tallapoosa County Alabama | 1 | $ 443,000 | $ 443,000 | $ 196,000 |
| Tuscaloosa County Alabama | 1 | $ 59,000 | $ 59,000 | $ 59,000 |
| Imperial County California | 1 | $ 163,000 | $ 163,000 | $ 192,000 |
| Los Angeles County California | 1 | $ 131,000 | $ 131,000 | $ 32,000 |
| Orange County California | 1 | $ 595,000 | $ 595,000 | $ 295,000 |
| Solano County California | 1 | $ 215,000 | $ 215,000 | $ 53,000 |
| Ventura County California | 1 | $ 226,000 | $ 226,000 | $ 0 |
| District of Columbia County District Of Columbia | 1 | $ 394,000 | $ 394,000 | $ 121,000 |
| Broward County Florida | 1 | $ 107,000 | $ 107,000 | $ 54,000 |
| Miami-Dade County Florida | 1 | $ 155,000 | $ 155,000 | $ 44,000 |
| Sumter County Florida | 1 | $ 212,000 | $ 212,000 | $ 262,000 |
| Volusia County Florida | 1 | $ 119,000 | $ 119,000 | $ 30,000 |
| Baldwin County Georgia | 1 | $ 220,000 | $ 220,000 | $ 75,000 |
| Chatham County Georgia | 1 | $ 232,000 | $ 232,000 | $ 0 |
| Chattooga County Georgia | 1 | $ 264,000 | $ 264,000 | $ 119,000 |
| Columbia County Georgia | 1 | $ 116,000 | $ 116,000 | $ 58,000 |
| Dodge County Georgia | 1 | $ 41,000 | $ 41,000 | $ 39,000 |
| Effingham County Georgia | 1 | $ 394,000 | $ 394,000 | $ 137,000 |
| Glynn County Georgia | 1 | $ 141,000 | $ 141,000 | $ 83,000 |
| Hart County Georgia | 1 | $ 241,000 | $ 241,000 | $ 64,000 |
| Heard County Georgia | 1 | $ 30,000 | $ 30,000 | $ 0 |
| Houston County Georgia | 1 | $ 152,000 | $ 152,000 | $ 57,000 |
| Jackson County Georgia | 1 | $ 289,000 | $ 289,000 | $ 72,000 |
| Jenkins County Georgia | 1 | $ 76,000 | $ 76,000 | $ 0 |
| Monroe County Georgia | 1 | $ 36,000 | $ 36,000 | $ 53,000 |
| Oconee County Georgia | 1 | $ 540,000 | $ 540,000 | $ 200,000 |
| Pickens County Georgia | 1 | $ 86,000 | $ 86,000 | $ 100,000 |
| Stephens County Georgia | 1 | $ 83,000 | $ 83,000 | $ 116,000 |
| Whitfield County Georgia | 1 | $ 147,000 | $ 147,000 | $ 0 |
| Lake County Indiana | 1 | $ 332,000 | $ 332,000 | $ 204,000 |
| Prince George's County Maryland | 1 | $ 395,000 | $ 395,000 | $ 195,000 |
| Bristol County Massachusetts | 1 | $ 183,000 | $ 183,000 | $ 0 |
| Wayne County Michigan | 1 | $ 54,000 | $ 54,000 | $ 18,000 |
| Clark County Nevada | 1 | $ 383,000 | $ 383,000 | $ 189,000 |
| Cabarrus County North Carolina | 1 | $ 149,000 | $ 149,000 | $ 73,000 |
| Franklin County North Carolina | 1 | $ 230,000 | $ 230,000 | $ 0 |
| Gaston County North Carolina | 1 | $ 236,000 | $ 236,000 | $ 0 |
| Henderson County North Carolina | 1 | $ 144,000 | $ 144,000 | $ 58,000 |
| Iredell County North Carolina | 1 | $ 93,000 | $ 93,000 | $ 22,000 |
| Mecklenburg County North Carolina | 1 | $ 192,000 | $ 192,000 | $ 63,000 |
| Rowan County North Carolina | 1 | $ 96,000 | $ 96,000 | $ 57,000 |
| Watauga County North Carolina | 1 | $ 396,000 | $ 396,000 | $ 104,000 |
| Geauga County Ohio | 1 | $ 187,000 | $ 187,000 | $ 0 |
| Montgomery County Ohio | 1 | $ 125,000 | $ 125,000 | $ 47,000 |
| Clackamas County Oregon | 1 | $ 415,000 | $ 415,000 | $ 0 |
| Lancaster County Pennsylvania | 1 | $ 52,000 | $ 52,000 | $ 41,000 |
| Lehigh County Pennsylvania | 1 | $ 81,000 | $ 81,000 | $ 26,000 |
| Montgomery County Pennsylvania | 1 | $ 210,000 | $ 210,000 | $ 95,000 |
| Charleston County South Carolina | 1 | $ 262,000 | $ 262,000 | $ 102,000 |
| Dorchester County South Carolina | 1 | $ 142,000 | $ 142,000 | $ 0 |
| Florence County South Carolina | 1 | $ 166,000 | $ 166,000 | $ 62,000 |
| Richland County South Carolina | 1 | $ 272,000 | $ 272,000 | $ 50,000 |
| Sumter County South Carolina | 1 | $ 142,000 | $ 142,000 | $ 0 |
| Cheatham County Tennessee | 1 | $ 115,000 | $ 115,000 | $ 30,000 |
| Lincoln County Tennessee | 1 | $ 263,000 | $ 263,000 | $ 110,000 |
| Marion County Tennessee | 1 | $ 69,000 | $ 69,000 | $ 29,000 |
| Roane County Tennessee | 1 | $ 139,000 | $ 139,000 | $ 48,000 |
| Sevier County Tennessee | 1 | $ 112,000 | $ 112,000 | $ 53,000 |
| Shelby County Tennessee | 1 | $ 143,000 | $ 143,000 | $ 82,000 |
| Dallas County Texas | 1 | $ 79,000 | $ 79,000 | $ 156,000 |
| Chesapeake County Virginia | 1 | $ 190,000 | $ 190,000 | $ 131,000 |
| Surry County Virginia | 1 | $ 257,000 | $ 257,000 | $ 0 |
Mortgage Loan Application Detail Totals for Southcrest Bank in 2013
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 | 436 | $52,314,000 | $119,000 | $558,000 | $68,000 | $635,000 |
| Home Purchase | 259 | $38,886,000 | $150,000 | $750,000 | $81,000 | $966,000 |
| Home Improvement | 9 | $255,000 | $28,000 | $51,000 | $51,000 | $111,000 |
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 | 518 | $64,810,000 | $125,000 | $700,000 | $79,000 | $966,000 |
| Black or African American | 101 | $11,480,000 | $113,000 | $485,000 | $56,000 | $199,000 |
| Not Provided | 28 | $5,804,000 | $207,000 | $750,000 | $83,000 | $295,000 |
| Not applicable | 24 | $3,929,000 | $163,000 | $558,000 | $0 | $0 |
| Asian | 20 | $3,221,000 | $161,000 | $507,000 | $71,000 | $181,000 |
| Hispanic | 11 | $2,137,000 | $194,000 | $415,000 | $89,000 | $256,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $39,000 | $39,000 | $39,000 | $54,000 | $54,000 |
| American Indian or Alaskan Native | 1 | $35,000 | $35,000 | $35,000 | $12,000 | $12,000 |
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) | 576 | $70,826,000 | $122,000 | $750,000 | $77,000 | $966,000 |
| FHA-insured (Federal Housing Administration) | 95 | $14,876,000 | $156,000 | $595,000 | $48,000 | $295,000 |
| VA-guaranteed (Veterans Administration) | 20 | $4,436,000 | $221,000 | $485,000 | $75,000 | $195,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 13 | $1,317,000 | $101,000 | $204,000 | $40,000 | $83,000 |
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 | 459 | $53,406,000 | $116,000 | $700,000 | $70,000 | $635,000 |
| Application Withdrawn By Applicant | 115 | $19,137,000 | $166,000 | $750,000 | $94,000 | $721,000 |
| Application Denied By Financial Institution | 109 | $14,704,000 | $134,000 | $535,000 | $69,000 | $966,000 |
| Loan Purchased By The Institution | 14 | $2,734,000 | $195,000 | $558,000 | $0 | $0 |
| File Closed For Incompleteness | 6 | $1,327,000 | $221,000 | $395,000 | $122,000 | $195,000 |
| Application Approved But Not Accepted | 1 | $147,000 | $147,000 | $147,000 | $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 |
|---|---|---|---|---|---|---|
| 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 Southcrest Bank's 2013 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 Southcrest 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 Georgia, download the full spreadsheet
with aggregated HMDA statistics today.