S Bank Mortgage Lending & HMDA Data, 2009
In 2009, S Bank of Glennville, GA reported 103 mortgage applications totaling $7.7 million, down 33% from 2008. The average application was for $74,533, and applicants reported an average income of $46,553. 76% of its applications resulted in an originated loan and 19% were denied. Its largest markets were Hinesville-Fort Stewart, GA (16), Savannah, GA (11) 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 | 103 |
| Total Mortgage Loan Application Amount | $7,677,000 |
| Average Mortgage Loan Application Amount | $74,533 |
| Highest Mortgage Loan Application Amount | $910,000 |
| Average Applicant Income | $46,553 |
| Highest Applicant Income | $414,000 |
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Disclosure Act (HMDA) records S Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2009
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 | 52 | $4,615,000 | $88,000 | $900,000 | $45,000 | $255,000 |
| Home Purchase | 28 | $2,485,000 | $88,000 | $910,000 | $54,000 | $414,000 |
| Home Improvement | 23 | $577,000 | $25,000 | $200,000 | $41,000 | $94,000 |
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 | 63 | $4,099,000 | $65,000 | $910,000 | $52,000 | $414,000 |
| Black or African American | 19 | $1,105,000 | $58,000 | $316,000 | $55,000 | $255,000 |
| Not applicable | 11 | $1,777,000 | $161,000 | $500,000 | $0 | $0 |
| Hispanic | 7 | $161,000 | $23,000 | $47,000 | $37,000 | $65,000 |
| American Indian or Alaskan Native | 1 | $395,000 | $395,000 | $395,000 | $71,000 | $71,000 |
| Asian | 1 | $130,000 | $130,000 | $130,000 | $87,000 | $87,000 |
| Not Provided | 1 | $10,000 | $10,000 | $10,000 | $41,000 | $41,000 |
| 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) | 102 | $7,659,000 | $75,000 | $910,000 | $47,000 | $414,000 |
| FHA-insured (Federal Housing Administration) | 1 | $18,000 | $18,000 | $18,000 | $28,000 | $28,000 |
| 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 | 78 | $6,795,000 | $87,000 | $910,000 | $46,000 | $414,000 |
| Application Denied By Financial Institution | 20 | $583,000 | $29,000 | $130,000 | $43,000 | $156,000 |
| Application Withdrawn By Applicant | 5 | $299,000 | $59,000 | $140,000 | $61,000 | $132,000 |
| 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 | 10 | $237,000 | $23,000 | $65,000 | $41,000 | $156,000 |
| Debt-To-Income Ratio | 6 | $134,000 | $22,000 | $55,000 | $47,000 | $65,000 |
| Collateral | 4 | $212,000 | $53,000 | $130,000 | $40,000 | $87,000 |
| 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 2009 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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