S Bank Mortgage Lending & HMDA Data, 2015
In 2015, S Bank of Glennville, GA reported 72 mortgage applications totaling $11.2 million, up 31% from 2014. The average application was for $155,111, and applicants reported an average income of $77,958. 93% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Savannah, GA (15), Hinesville, GA (10) and Brunswick, GA (2) (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 | 72 |
| Total Mortgage Loan Application Amount | $11,168,000 |
| Average Mortgage Loan Application Amount | $155,111 |
| Highest Mortgage Loan Application Amount | $1,390,000 |
| Average Applicant Income | $77,958 |
| Highest Applicant Income | $574,000 |
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Disclosure Act (HMDA) records S Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Savannah, GA | 15 | $ 5,879,000 | $ 391,933 | $ 65,000 |
| Hinesville, GA | 10 | $ 704,000 | $ 70,400 | $ 83,000 |
| Brunswick, GA | 2 | $ 82,000 | $ 41,000 | $ 119,000 |
| Jacksonville, FL | 1 | $ 650,000 | $ 650,000 | $ 148,000 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 82,000 | $ 82,000 | $ 141,000 |
Mortgage Loan Application Detail Totals for S Bank in 2015
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 | 53 | $9,184,000 | $173,000 | $1,390,000 | $79,000 | $574,000 |
| Home Purchase | 11 | $1,928,000 | $175,000 | $760,000 | $102,000 | $286,000 |
| Home Improvement | 8 | $56,000 | $7,000 | $11,000 | $38,000 | $58,000 |
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 | 45 | $5,659,000 | $125,000 | $1,136,000 | $99,000 | $574,000 |
| Not applicable | 11 | $4,855,000 | $441,000 | $1,390,000 | $0 | $0 |
| Black or African American | 9 | $239,000 | $26,000 | $75,000 | $60,000 | $289,000 |
| Asian | 3 | $261,000 | $87,000 | $162,000 | $143,000 | $286,000 |
| Hispanic | 2 | $8,000 | $4,000 | $5,000 | $31,000 | $34,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $135,000 | $135,000 | $135,000 | $75,000 | $75,000 |
| Not Provided | 1 | $11,000 | $11,000 | $11,000 | $32,000 | $32,000 |
| American Indian or Alaskan Native | 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) | 72 | $11,168,000 | $155,000 | $1,390,000 | $78,000 | $574,000 |
| 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 | 67 | $11,112,000 | $165,000 | $1,390,000 | $81,000 | $574,000 |
| Application Denied By Financial Institution | 5 | $56,000 | $11,000 | $35,000 | $31,000 | $51,000 |
| Application Withdrawn By Applicant | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 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 | $50,000 | $12,000 | $35,000 | $26,000 | $34,000 |
| Debt-To-Income Ratio | 1 | $6,000 | $6,000 | $6,000 | $51,000 | $51,000 |
| 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 2015 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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