S Bank Mortgage Lending & HMDA Data, 2005
In 2005, S Bank of Glennville, GA reported 164 mortgage applications totaling $8.9 million, up 4% from 2004. The average application was for $54,054, and applicants reported an average income of $51,878. 96% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Hinesville-Fort Stewart, GA (26) and Brunswick, GA (2).
| Mortgage Company & Address | S Bank 205 S Veterans Blvd Glennville, GA 30427 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 |
| Total Number of Mortgage Applications | 164 |
| Total Mortgage Loan Application Amount | $8,865,000 |
| Average Mortgage Loan Application Amount | $54,054 |
| Highest Mortgage Loan Application Amount | $1,221,000 |
| Average Applicant Income | $51,878 |
| Highest Applicant Income | $415,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records S Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Liberty, Georgia | 14 | $ 1,701,000 | $ 121,500 | $ 102,000 |
| Long, Georgia | 12 | $ 285,000 | $ 23,750 | $ 31,000 |
| Glynn, Georgia | 2 | $ 490,000 | $ 245,000 | $ 21,000 |
| Tattnall, Georgia | 1 | $ 49,000 | $ 49,000 | $ 36,000 |
Mortgage Loan Application Detail Totals for S Bank in 2005
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 | 100 | $5,578,000 | $75,000 | $1,221,000 | $73,000 | $415,000 |
| Home Purchase | 42 | $2,865,000 | $73,000 | $584,000 | $35,500 | $348,000 |
| Home Improvement | 22 | $422,000 | $18,500 | $117,000 | $34,500 | $190,000 |
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 | 106 | $5,778,000 | $50,500 | $1,221,000 | $59,000 | $362,000 |
| Black or African American | 32 | $1,529,000 | $259,000 | $943,000 | $22,500 | $98,000 |
| Hispanic | 13 | $405,000 | $29,500 | $55,000 | $28,000 | $41,000 |
| Not applicable | 6 | $927,000 | $154,500 | $275,000 | $133,500 | $415,000 |
| Not Provided | 3 | $163,000 | $54,000 | $88,000 | $52,000 | $119,000 |
| Asian | 2 | $28,000 | $14,000 | $25,000 | $11,000 | $11,000 |
| American Indian or Alaskan Native | 1 | $15,000 | $15,000 | $15,000 | $24,000 | $24,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $20,000 | $20,000 | $20,000 | $36,000 | $36,000 |
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) | 164 | $8,865,000 | $66,500 | $1,221,000 | $52,000 | $415,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 157 | $8,611,000 | $67,500 | $1,221,000 | $54,500 | $415,000 |
| Application Denied By Financial Institution | 6 | $210,000 | $45,000 | $88,000 | $32,500 | $119,000 |
| File Closed For Incompleteness | 1 | $44,000 | $44,000 | $44,000 | $14,000 | $14,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Withdrawn By Applicant | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 3 | $94,000 | $38,500 | $60,000 | $26,500 | $42,000 |
| Debt-To-Income Ratio | 1 | $1,000 | $1,000 | $1,000 | $19,000 | $19,000 |
| 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 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into S Bank's 2005 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 S 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.
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