S Bank Mortgage Lending & HMDA Data, 2004
In 2004, S Bank of Glennville, GA reported 158 mortgage applications totaling $6.7 million. The average application was for $42,443, and applicants reported an average income of $33,417. 85% of its applications resulted in an originated loan and 10% were denied. Its largest market was Hinesville-Fort Stewart, GA (33).
| 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 | 158 |
| Total Mortgage Loan Application Amount | $6,706,000 |
| Average Mortgage Loan Application Amount | $42,443 |
| Highest Mortgage Loan Application Amount | $441,000 |
| Average Applicant Income | $33,417 |
| Highest Applicant Income | $240,000 |
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Disclosure Act (HMDA) records S Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for S Bank in 2004
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 | 78 | $3,577,000 | $45,500 | $320,000 | $32,000 | $240,000 |
| Home Improvement | 43 | $483,000 | $12,000 | $66,000 | $47,500 | $166,000 |
| Home Purchase | 37 | $2,646,000 | $64,000 | $441,000 | $37,500 | $196,000 |
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 | 116 | $5,439,000 | $40,500 | $441,000 | $46,500 | $240,000 |
| Black or African American | 25 | $526,000 | $61,000 | $155,000 | $31,500 | $76,000 |
| Hispanic | 8 | $126,000 | $16,500 | $33,000 | $23,000 | $39,000 |
| Not applicable | 5 | $488,000 | $88,500 | $172,000 | $0 | $0 |
| Asian | 3 | $114,000 | $29,000 | $57,000 | $35,500 | $60,000 |
| American Indian or Alaskan Native | 1 | $13,000 | $13,000 | $13,000 | $34,000 | $34,000 |
| 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) | 155 | $6,491,000 | $40,000 | $441,000 | $35,500 | $240,000 |
| VA-guaranteed (Veterans Administration) | 3 | $215,000 | $70,000 | $90,000 | $42,000 | $59,000 |
| 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 |
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 | 135 | $4,850,000 | $33,000 | $441,000 | $33,000 | $240,000 |
| Application Denied By Financial Institution | 16 | $1,113,000 | $75,500 | $410,000 | $38,500 | $76,000 |
| Application Withdrawn By Applicant | 6 | $708,000 | $96,500 | $320,000 | $47,000 | $130,000 |
| File Closed For Incompleteness | 1 | $35,000 | $35,000 | $35,000 | $24,000 | $24,000 |
| 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 | 7 | $265,000 | $40,000 | $65,000 | $38,500 | $73,000 |
| Debt-To-Income Ratio | 4 | $722,000 | $180,500 | $410,000 | $55,500 | $76,000 |
| Collateral | 3 | $104,000 | $41,500 | $63,000 | $31,500 | $33,000 |
| Credit Application Incomplete | 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 S Bank's 2004 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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