S Bank Mortgage Lending & HMDA Data, 2013
In 2013, S Bank of Glennville, GA reported 52 mortgage applications totaling $5.9 million, down 40% from 2012. The average application was for $113,826, and applicants reported an average income of $60,307. 79% of its applications resulted in an originated loan and 17% were denied. Its largest markets were Hinesville-Fort Stewart, GA (7), Savannah, GA (7) and Brunswick, GA (1) (applications in parentheses).
| 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 | 52 |
| Total Mortgage Loan Application Amount | $5,919,000 |
| Average Mortgage Loan Application Amount | $113,826 |
| Highest Mortgage Loan Application Amount | $2,114,000 |
| Average Applicant Income | $60,307 |
| Highest Applicant Income | $715,000 |
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Disclosure Act (HMDA) records S Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Tattnall, Georgia | 32 | $ 764,000 | $ 23,875 | $ 38,000 |
| Chatham, Georgia | 6 | $ 3,206,000 | $ 534,333 | $ 190,000 |
| Liberty, Georgia | 6 | $ 320,000 | $ 53,333 | $ 61,000 |
| Evans, Georgia | 3 | $ 1,240,000 | $ 413,333 | $ 96,000 |
| Bryan, Georgia | 1 | $ 163,000 | $ 163,000 | $ 81,000 |
| Jenkins, Georgia | 1 | $ 63,000 | $ 63,000 | $ 30,000 |
| Long, Georgia | 1 | $ 41,000 | $ 41,000 | $ 29,000 |
| McIntosh, Georgia | 1 | $ 36,000 | $ 36,000 | $ 0 |
| Toombs, Georgia | 1 | $ 86,000 | $ 86,000 | $ 0 |
Mortgage Loan Application Detail Totals for S 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 |
|---|---|---|---|---|---|---|
| Home Purchase | 19 | $1,635,000 | $86,000 | $538,000 | $94,000 | $715,000 |
| Home Improvement | 18 | $283,000 | $15,000 | $86,000 | $35,000 | $85,000 |
| Refinancing | 15 | $4,001,000 | $266,000 | $2,114,000 | $48,000 | $180,000 |
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 | 32 | $2,636,000 | $82,000 | $1,163,000 | $76,000 | $715,000 |
| Black or African American | 7 | $174,000 | $24,000 | $41,000 | $34,000 | $60,000 |
| Not applicable | 6 | $2,875,000 | $479,000 | $2,114,000 | $0 | $0 |
| Hispanic | 5 | $107,000 | $21,000 | $70,000 | $45,000 | $108,000 |
| Asian | 2 | $127,000 | $63,000 | $77,000 | $116,000 | $128,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 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) | 52 | $5,919,000 | $113,000 | $2,114,000 | $60,000 | $715,000 |
| 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 | 41 | $5,661,000 | $138,000 | $2,114,000 | $67,000 | $715,000 |
| Application Denied By Financial Institution | 9 | $254,000 | $28,000 | $70,000 | $41,000 | $108,000 |
| Application Withdrawn By Applicant | 1 | $1,000 | $1,000 | $1,000 | $0 | $0 |
| Application Approved But Not Accepted | 1 | $3,000 | $3,000 | $3,000 | $30,000 | $30,000 |
| File Closed For Incompleteness | 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 | 4 | $99,000 | $24,000 | $70,000 | $53,000 | $108,000 |
| Debt-To-Income Ratio | 3 | $70,000 | $23,000 | $35,000 | $29,000 | $43,000 |
| Employment History | 1 | $47,000 | $47,000 | $47,000 | $42,000 | $42,000 |
| Other | 1 | $38,000 | $38,000 | $38,000 | $28,000 | $28,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into S 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 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.
For a list of all lenders in Georgia, download the full spreadsheet
with aggregated HMDA statistics today.
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