Certusbank, N.A.
HMDA Loan Application Totals
and Mortgage Lending Details
for 2012
Certusbank, N.A. 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 | Certusbank, N.A. 2 West Washington Street 5Th Floor Greenville, SC 29601 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2014 2013 2012 |
| Total Number of Mortgage Applications | 549 |
| Total Mortgage Loan Application Amount | $102,219,000 |
| Average Mortgage Loan Application Amount | $128,000 |
| Highest Mortgage Loan Application Amount | $1,750,000 |
| Average Applicant Income | $86,666 |
| Highest Applicant Income | $2,440,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2012 with Certusbank, N.A.. 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 Certusbank, N.A.'s lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2012 breaks down Certusbank, N.A.'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 Certusbank, N.A. serves its applicants.
Each category highlights the total number of mortgage applications processed by Certusbank, N.A., 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 Certusbank, N.A.'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 |
|---|---|---|---|---|
| Greenville County South Carolina | 122 | $ 24,833,000 | $ 203,000 | $ 110,000 |
| Pickens County South Carolina | 49 | $ 8,565,000 | $ 174,000 | $ 81,000 |
| Bibb County Georgia | 44 | $ 7,144,000 | $ 162,000 | $ 89,000 |
| Anderson County South Carolina | 27 | $ 4,765,000 | $ 176,000 | $ 76,000 |
| Spartanburg County South Carolina | 24 | $ 4,030,000 | $ 167,000 | $ 100,000 |
| Carroll County Georgia | 19 | $ 2,127,000 | $ 111,000 | $ 77,000 |
| Jackson County Georgia | 18 | $ 2,715,000 | $ 150,000 | $ 88,000 |
| Oconee County South Carolina | 17 | $ 4,644,000 | $ 273,000 | $ 147,000 |
| Houston County Georgia | 16 | $ 2,209,000 | $ 138,000 | $ 116,000 |
| Heard County Georgia | 15 | $ 1,350,000 | $ 90,000 | $ 48,000 |
| Glynn County Georgia | 14 | $ 2,446,000 | $ 174,000 | $ 121,000 |
| Chatham County Georgia | 12 | $ 2,258,000 | $ 188,000 | $ 135,000 |
| Muscogee County Georgia | 10 | $ 1,271,000 | $ 127,000 | $ 118,000 |
| Crawford County Georgia | 8 | $ 360,000 | $ 45,000 | $ 36,000 |
| Fulton County Georgia | 8 | $ 1,848,000 | $ 231,000 | $ 171,000 |
| Jones County Georgia | 7 | $ 1,082,000 | $ 154,000 | $ 121,000 |
| Peach County Georgia | 7 | $ 758,000 | $ 108,000 | $ 66,000 |
| Haralson County Georgia | 6 | $ 506,000 | $ 84,000 | $ 50,000 |
| Banks County Georgia | 5 | $ 772,000 | $ 154,000 | $ 93,000 |
| Effingham County Georgia | 5 | $ 627,000 | $ 125,000 | $ 45,000 |
| Forsyth County Georgia | 5 | $ 985,000 | $ 197,000 | $ 123,000 |
| Bulloch County Georgia | 4 | $ 496,000 | $ 124,000 | $ 49,000 |
| Lowndes County Georgia | 4 | $ 639,000 | $ 159,000 | $ 110,000 |
| McIntosh County Georgia | 4 | $ 278,000 | $ 69,000 | $ 48,000 |
| Monroe County Georgia | 4 | $ 978,000 | $ 244,000 | $ 54,000 |
| Clarke County Georgia | 3 | $ 564,000 | $ 188,000 | $ 68,000 |
| Greene County Georgia | 3 | $ 1,517,000 | $ 505,000 | $ 159,000 |
| Habersham County Georgia | 3 | $ 395,000 | $ 131,000 | $ 78,000 |
| Henry County Georgia | 3 | $ 521,000 | $ 173,000 | $ 30,000 |
| Mecklenburg County North Carolina | 3 | $ 1,525,000 | $ 508,000 | $ 866,000 |
| Union County North Carolina | 3 | $ 1,445,000 | $ 481,000 | $ 109,000 |
| Bryan County Georgia | 2 | $ 382,000 | $ 191,000 | $ 62,000 |
| Gwinnett County Georgia | 2 | $ 361,000 | $ 180,000 | $ 22,000 |
| Harris County Georgia | 2 | $ 434,000 | $ 217,000 | $ 65,000 |
| Madison County Georgia | 2 | $ 103,000 | $ 51,000 | $ 62,000 |
| Oconee County Georgia | 2 | $ 646,000 | $ 323,000 | $ 137,000 |
| Whitfield County Georgia | 2 | $ 398,000 | $ 199,000 | $ 196,000 |
| Montgomery County Maryland | 2 | $ 1,043,000 | $ 521,000 | $ 667,000 |
| Beaufort County South Carolina | 2 | $ 579,000 | $ 289,000 | $ 485,000 |
| Charleston County South Carolina | 2 | $ 667,000 | $ 333,000 | $ 150,000 |
| Loudoun County Virginia | 2 | $ 753,000 | $ 376,000 | $ 153,000 |
| Houston County Alabama | 1 | $ 161,000 | $ 161,000 | $ 106,000 |
| Lee County Alabama | 1 | $ 126,000 | $ 126,000 | $ 0 |
| Los Angeles County California | 1 | $ 270,000 | $ 270,000 | $ 122,000 |
| San Diego County California | 1 | $ 417,000 | $ 417,000 | $ 122,000 |
| Santa Clara County California | 1 | $ 209,000 | $ 209,000 | $ 165,000 |
| Litchfield County Connecticut | 1 | $ 98,000 | $ 98,000 | $ 48,000 |
| District of Columbia County District Of Columbia | 1 | $ 200,000 | $ 200,000 | $ 48,000 |
| Bay County Florida | 1 | $ 130,000 | $ 130,000 | $ 214,000 |
| Broward County Florida | 1 | $ 800,000 | $ 800,000 | $ 693,000 |
| Duval County Florida | 1 | $ 157,000 | $ 157,000 | $ 69,000 |
| Barrow County Georgia | 1 | $ 352,000 | $ 352,000 | $ 532,000 |
| Brantley County Georgia | 1 | $ 134,000 | $ 134,000 | $ 37,000 |
| Brooks County Georgia | 1 | $ 234,000 | $ 234,000 | $ 63,000 |
| Camden County Georgia | 1 | $ 120,000 | $ 120,000 | $ 56,000 |
| Catoosa County Georgia | 1 | $ 245,000 | $ 245,000 | $ 120,000 |
| Cherokee County Georgia | 1 | $ 252,000 | $ 252,000 | $ 104,000 |
| Coffee County Georgia | 1 | $ 133,000 | $ 133,000 | $ 83,000 |
| Cook County Georgia | 1 | $ 17,000 | $ 17,000 | $ 13,000 |
| DeKalb County Georgia | 1 | $ 281,000 | $ 281,000 | $ 114,000 |
| Gilmer County Georgia | 1 | $ 154,000 | $ 154,000 | $ 77,000 |
| Hall County Georgia | 1 | $ 118,000 | $ 118,000 | $ 78,000 |
| Hancock County Georgia | 1 | $ 139,000 | $ 139,000 | $ 118,000 |
| Johnson County Georgia | 1 | $ 168,000 | $ 168,000 | $ 95,000 |
| Laurens County Georgia | 1 | $ 233,000 | $ 233,000 | $ 100,000 |
| Lincoln County Georgia | 1 | $ 90,000 | $ 90,000 | $ 32,000 |
| Newton County Georgia | 1 | $ 216,000 | $ 216,000 | $ 70,000 |
| Pickens County Georgia | 1 | $ 155,000 | $ 155,000 | $ 47,000 |
| Rabun County Georgia | 1 | $ 667,000 | $ 667,000 | $ 304,000 |
| Rockdale County Georgia | 1 | $ 285,000 | $ 285,000 | $ 110,000 |
| Spalding County Georgia | 1 | $ 272,000 | $ 272,000 | $ 39,000 |
| Tattnall County Georgia | 1 | $ 44,000 | $ 44,000 | $ 17,000 |
| Union County Georgia | 1 | $ 139,000 | $ 139,000 | $ 111,000 |
| Upson County Georgia | 1 | $ 59,000 | $ 59,000 | $ 33,000 |
| Washington County Georgia | 1 | $ 168,000 | $ 168,000 | $ 136,000 |
| Washington County Maryland | 1 | $ 224,000 | $ 224,000 | $ 138,000 |
| Cumberland County North Carolina | 1 | $ 730,000 | $ 730,000 | $ 504,000 |
| Forsyth County North Carolina | 1 | $ 130,000 | $ 130,000 | $ 60,000 |
| Lincoln County North Carolina | 1 | $ 100,000 | $ 100,000 | $ 128,000 |
| New Hanover County North Carolina | 1 | $ 210,000 | $ 210,000 | $ 84,000 |
| Rowan County North Carolina | 1 | $ 250,000 | $ 250,000 | $ 0 |
| Rutherford County North Carolina | 1 | $ 370,000 | $ 370,000 | $ 359,000 |
| Stanly County North Carolina | 1 | $ 412,000 | $ 412,000 | $ 100,000 |
| Wake County North Carolina | 1 | $ 417,000 | $ 417,000 | $ 201,000 |
| Wayne County North Carolina | 1 | $ 68,000 | $ 68,000 | $ 75,000 |
| Chester County Pennsylvania | 1 | $ 200,000 | $ 200,000 | $ 117,000 |
| Westmoreland County Pennsylvania | 1 | $ 245,000 | $ 245,000 | $ 134,000 |
| Colleton County South Carolina | 1 | $ 182,000 | $ 182,000 | $ 147,000 |
| Dorchester County South Carolina | 1 | $ 203,000 | $ 203,000 | $ 225,000 |
| Florence County South Carolina | 1 | $ 234,000 | $ 234,000 | $ 85,000 |
| Greenwood County South Carolina | 1 | $ 202,000 | $ 202,000 | $ 98,000 |
| Horry County South Carolina | 1 | $ 160,000 | $ 160,000 | $ 109,000 |
| Laurens County South Carolina | 1 | $ 136,000 | $ 136,000 | $ 100,000 |
| Lexington County South Carolina | 1 | $ 72,000 | $ 72,000 | $ 21,000 |
| Newberry County South Carolina | 1 | $ 650,000 | $ 650,000 | $ 315,000 |
| Richmond City County Virginia | 1 | $ 312,000 | $ 312,000 | $ 100,000 |
| Roanoke County Virginia | 1 | $ 195,000 | $ 195,000 | $ 75,000 |
| Virginia Beach County Virginia | 1 | $ 255,000 | $ 255,000 | $ 128,000 |
Mortgage Loan Application Detail Totals for Certusbank, N.A. 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 | 352 | $69,433,000 | $197,000 | $1,750,000 | $109,000 | $1,264,000 |
| Home Purchase | 185 | $32,645,000 | $176,000 | $900,000 | $110,000 | $2,440,000 |
| Home Improvement | 12 | $141,000 | $11,000 | $39,000 | $41,000 | $91,000 |
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 | 439 | $84,521,000 | $192,000 | $1,750,000 | $114,000 | $2,440,000 |
| Not Provided | 63 | $10,451,000 | $165,000 | $626,000 | $93,000 | $809,000 |
| Black or African American | 31 | $4,440,000 | $143,000 | $700,000 | $60,000 | $205,000 |
| Hispanic | 9 | $1,591,000 | $176,000 | $800,000 | $63,000 | $180,000 |
| Asian | 5 | $916,000 | $183,000 | $417,000 | $156,000 | $525,000 |
| Not applicable | 2 | $300,000 | $150,000 | $250,000 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
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) | 470 | $89,703,000 | $190,000 | $1,750,000 | $116,000 | $2,440,000 |
| FHA-insured (Federal Housing Administration) | 74 | $11,612,000 | $156,000 | $626,000 | $61,000 | $809,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $406,000 | $135,000 | $155,000 | $48,000 | $56,000 |
| VA-guaranteed (Veterans Administration) | 2 | $498,000 | $249,000 | $369,000 | $110,000 | $156,000 |
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 | 335 | $64,329,000 | $192,000 | $1,750,000 | $113,000 | $2,440,000 |
| Application Denied By Financial Institution | 132 | $21,342,000 | $161,000 | $800,000 | $93,000 | $740,000 |
| Application Withdrawn By Applicant | 70 | $14,613,000 | $208,000 | $800,000 | $115,000 | $809,000 |
| File Closed For Incompleteness | 11 | $1,812,000 | $164,000 | $270,000 | $99,000 | $257,000 |
| Application Approved But Not Accepted | 1 | $123,000 | $123,000 | $123,000 | $56,000 | $56,000 |
| 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 | 56 | $9,881,000 | $176,000 | $650,000 | $111,000 | $740,000 |
| Debt-To-Income Ratio | 36 | $6,360,000 | $176,000 | $800,000 | $86,000 | $693,000 |
| Credit History | 25 | $2,452,000 | $98,000 | $259,000 | $66,000 | $324,000 |
| Other | 6 | $644,000 | $107,000 | $180,000 | $73,000 | $134,000 |
| Unverifiable Information | 4 | $1,054,000 | $263,000 | $320,000 | $142,000 | $260,000 |
| Employment History | 3 | $472,000 | $157,000 | $225,000 | $48,000 | $72,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $479,000 | $239,000 | $417,000 | $137,000 | $185,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Certusbank, N.A.'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 Certusbank, N.A.'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 South Carolina, download the full spreadsheet
with aggregated HMDA statistics today.