South Central Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2003
South Central Bank 2003 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | South Central Bank 525 W Roosevelt Rd Chicago, IL 60607 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2003 |
| Total Number of Mortgage Applications | 6,060 |
| Total Mortgage Loan Application Amount | $148,785,000 |
| Average Mortgage Loan Application Amount | $72,080 |
| Highest Mortgage Loan Application Amount | $920,000 |
| Average Applicant Income | $92,920 |
| Highest Applicant Income | $900,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2003 with South Central Bank. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing South Central Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2003 breaks down South Central Bank's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how South Central Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by South Central Bank, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at South Central Bank's mortgage activity for 2003.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Cook County Illinois | 1,640 | $ 83,945,000 | $ 51,000 | $ 60,000 |
| Cuyahoga County Ohio | 353 | $ 3,636,000 | $ 10,000 | $ 58,000 |
| Summit County Ohio | 167 | $ 1,604,000 | $ 9,000 | $ 53,000 |
| Milwaukee County Wisconsin | 164 | $ 1,980,000 | $ 12,000 | $ 52,000 |
| Franklin County Ohio | 135 | $ 1,131,000 | $ 8,000 | $ 60,000 |
| DuPage County Illinois | 131 | $ 8,283,000 | $ 63,000 | $ 81,000 |
| Lucas County Ohio | 125 | $ 1,103,000 | $ 8,000 | $ 61,000 |
| Hamilton County Ohio | 123 | $ 1,251,000 | $ 10,000 | $ 55,000 |
| Lake County Illinois | 117 | $ 6,129,000 | $ 52,000 | $ 72,000 |
| Will County Illinois | 97 | $ 4,551,000 | $ 46,000 | $ 69,000 |
| Stark County Ohio | 97 | $ 1,018,000 | $ 10,000 | $ 53,000 |
| Lake County Indiana | 78 | $ 929,000 | $ 11,000 | $ 55,000 |
| Mahoning County Ohio | 77 | $ 685,000 | $ 8,000 | $ 52,000 |
| Marion County Indiana | 75 | $ 1,068,000 | $ 14,000 | $ 63,000 |
| Wayne County Michigan | 75 | $ 756,000 | $ 10,000 | $ 49,000 |
| Lorain County Ohio | 66 | $ 706,000 | $ 10,000 | $ 54,000 |
| Trumbull County Ohio | 64 | $ 604,000 | $ 9,000 | $ 55,000 |
| St. Louis County Missouri | 63 | $ 603,000 | $ 9,000 | $ 61,000 |
| Kane County Illinois | 57 | $ 1,258,000 | $ 22,000 | $ 63,000 |
| Allen County Indiana | 57 | $ 617,000 | $ 10,000 | $ 42,000 |
| Kent County Michigan | 50 | $ 444,000 | $ 8,000 | $ 60,000 |
| Oakland County Michigan | 46 | $ 459,000 | $ 9,000 | $ 62,000 |
| Lake County Ohio | 44 | $ 419,000 | $ 9,000 | $ 51,000 |
| Medina County Ohio | 44 | $ 451,000 | $ 10,000 | $ 65,000 |
| McHenry County Illinois | 42 | $ 903,000 | $ 21,000 | $ 103,000 |
| Waukesha County Wisconsin | 41 | $ 432,000 | $ 10,000 | $ 64,000 |
| Sandusky County Ohio | 38 | $ 360,000 | $ 9,000 | $ 47,000 |
| Berrien County Michigan | 35 | $ 525,000 | $ 15,000 | $ 49,000 |
| Macomb County Michigan | 35 | $ 360,000 | $ 10,000 | $ 65,000 |
| Racine County Wisconsin | 35 | $ 537,000 | $ 15,000 | $ 52,000 |
| Ingham County Michigan | 33 | $ 317,000 | $ 9,000 | $ 45,000 |
| Hancock County Ohio | 33 | $ 323,000 | $ 9,000 | $ 73,000 |
| Wood County Ohio | 33 | $ 300,000 | $ 9,000 | $ 78,000 |
| Monroe County Michigan | 32 | $ 275,000 | $ 8,000 | $ 49,000 |
| Richland County Ohio | 32 | $ 291,000 | $ 9,000 | $ 43,000 |
| York County Pennsylvania | 31 | $ 477,000 | $ 15,000 | $ 59,000 |
| Saginaw County Michigan | 30 | $ 303,000 | $ 10,000 | $ 52,000 |
| Champaign County Illinois | 29 | $ 311,000 | $ 10,000 | $ 49,000 |
| Licking County Ohio | 29 | $ 268,000 | $ 9,000 | $ 56,000 |
| Portage County Ohio | 27 | $ 220,000 | $ 8,000 | $ 45,000 |
| Porter County Indiana | 26 | $ 247,000 | $ 9,000 | $ 69,000 |
| Kenosha County Wisconsin | 26 | $ 420,000 | $ 16,000 | $ 68,000 |
| Erie County Ohio | 24 | $ 199,000 | $ 8,000 | $ 47,000 |
| Marion County Ohio | 24 | $ 241,000 | $ 10,000 | $ 48,000 |
| Vermilion County Illinois | 23 | $ 207,000 | $ 9,000 | $ 42,000 |
| Allen County Ohio | 23 | $ 234,000 | $ 10,000 | $ 48,000 |
| Ottawa County Michigan | 22 | $ 198,000 | $ 9,000 | $ 40,000 |
| Huron County Ohio | 22 | $ 236,000 | $ 10,000 | $ 52,000 |
| St. Clair County Illinois | 21 | $ 203,000 | $ 9,000 | $ 56,000 |
| Geauga County Ohio | 21 | $ 212,000 | $ 10,000 | $ 101,000 |
| Allegheny County Pennsylvania | 20 | $ 291,000 | $ 14,000 | $ 45,000 |
| St. Joseph County Indiana | 19 | $ 187,000 | $ 9,000 | $ 53,000 |
| Lenawee County Michigan | 19 | $ 175,000 | $ 9,000 | $ 46,000 |
| St. Louis City County Missouri | 18 | $ 179,000 | $ 9,000 | $ 41,000 |
| Dauphin County Pennsylvania | 18 | $ 231,000 | $ 12,000 | $ 42,000 |
| Sheboygan County Wisconsin | 18 | $ 221,000 | $ 12,000 | $ 48,000 |
| Madison County Illinois | 17 | $ 183,000 | $ 10,000 | $ 56,000 |
| Ashtabula County Ohio | 17 | $ 170,000 | $ 10,000 | $ 68,000 |
| Butler County Ohio | 17 | $ 174,000 | $ 10,000 | $ 61,000 |
| Clark County Ohio | 17 | $ 176,000 | $ 10,000 | $ 54,000 |
| Fairfield County Ohio | 17 | $ 147,000 | $ 8,000 | $ 61,000 |
| Lancaster County Pennsylvania | 17 | $ 220,000 | $ 12,000 | $ 53,000 |
| Lehigh County Pennsylvania | 17 | $ 219,000 | $ 12,000 | $ 52,000 |
| Jefferson County Missouri | 16 | $ 150,000 | $ 9,000 | $ 42,000 |
| Fond du Lac County Wisconsin | 16 | $ 175,000 | $ 10,000 | $ 48,000 |
| Montgomery County Ohio | 15 | $ 166,000 | $ 11,000 | $ 58,000 |
| Seneca County Ohio | 15 | $ 147,000 | $ 9,000 | $ 45,000 |
| Berks County Pennsylvania | 15 | $ 239,000 | $ 15,000 | $ 46,000 |
| Northampton County Pennsylvania | 15 | $ 187,000 | $ 12,000 | $ 40,000 |
| Wayne County Indiana | 14 | $ 118,000 | $ 8,000 | $ 44,000 |
| Kalamazoo County Michigan | 14 | $ 120,000 | $ 8,000 | $ 49,000 |
| Fulton County Ohio | 14 | $ 159,000 | $ 11,000 | $ 46,000 |
| Muskegon County Michigan | 13 | $ 101,000 | $ 7,000 | $ 43,000 |
| Crawford County Ohio | 13 | $ 136,000 | $ 10,000 | $ 43,000 |
| Delaware County Ohio | 13 | $ 124,000 | $ 9,000 | $ 66,000 |
| Williams County Ohio | 13 | $ 145,000 | $ 11,000 | $ 41,000 |
| Adams County Indiana | 12 | $ 116,000 | $ 9,000 | $ 51,000 |
| Ottawa County Ohio | 12 | $ 100,000 | $ 8,000 | $ 37,000 |
| Wayne County Ohio | 12 | $ 122,000 | $ 10,000 | $ 49,000 |
| Washington County Wisconsin | 12 | $ 139,000 | $ 11,000 | $ 61,000 |
| Elkhart County Indiana | 11 | $ 118,000 | $ 10,000 | $ 57,000 |
| Hamilton County Indiana | 11 | $ 103,000 | $ 9,000 | $ 104,000 |
| Ionia County Michigan | 11 | $ 89,000 | $ 8,000 | $ 40,000 |
| Jackson County Michigan | 11 | $ 102,000 | $ 9,000 | $ 57,000 |
| Clermont County Ohio | 11 | $ 117,000 | $ 10,000 | $ 48,000 |
| Ross County Ohio | 11 | $ 89,000 | $ 8,000 | $ 43,000 |
| Westmoreland County Pennsylvania | 11 | $ 184,000 | $ 16,000 | $ 75,000 |
| Madison County Indiana | 10 | $ 127,000 | $ 12,000 | $ 49,000 |
| Genesee County Michigan | 10 | $ 84,000 | $ 8,000 | $ 56,000 |
| Columbiana County Ohio | 10 | $ 111,000 | $ 11,000 | $ 47,000 |
| Tuscarawas County Ohio | 10 | $ 98,000 | $ 9,000 | $ 43,000 |
| Franklin County Pennsylvania | 10 | $ 123,000 | $ 12,000 | $ 48,000 |
| Macon County Illinois | 9 | $ 96,000 | $ 10,000 | $ 64,000 |
| Baltimore City County Maryland | 9 | $ 113,000 | $ 12,000 | $ 48,000 |
| Clinton County Michigan | 9 | $ 116,000 | $ 12,000 | $ 67,000 |
| Ashland County Ohio | 9 | $ 130,000 | $ 14,000 | $ 57,000 |
| Henry County Ohio | 9 | $ 102,000 | $ 11,000 | $ 57,000 |
| Logan County Ohio | 9 | $ 88,000 | $ 9,000 | $ 50,000 |
| Mercer County Ohio | 9 | $ 90,000 | $ 10,000 | $ 44,000 |
| Washington County Pennsylvania | 9 | $ 217,000 | $ 24,000 | $ 41,000 |
| Winnebago County Wisconsin | 9 | $ 103,000 | $ 11,000 | $ 55,000 |
| Hendricks County Indiana | 8 | $ 82,000 | $ 10,000 | $ 61,000 |
| Wabash County Indiana | 8 | $ 81,000 | $ 10,000 | $ 56,000 |
| Wells County Indiana | 8 | $ 71,000 | $ 8,000 | $ 36,000 |
| Allegan County Michigan | 8 | $ 71,000 | $ 8,000 | $ 43,000 |
| Barry County Michigan | 8 | $ 65,000 | $ 8,000 | $ 57,000 |
| Eaton County Michigan | 8 | $ 68,000 | $ 8,000 | $ 42,000 |
| Washtenaw County Michigan | 8 | $ 81,000 | $ 10,000 | $ 67,000 |
| St. Charles County Missouri | 8 | $ 81,000 | $ 10,000 | $ 62,000 |
| Defiance County Ohio | 8 | $ 75,000 | $ 9,000 | $ 53,000 |
| Muskingum County Ohio | 8 | $ 66,000 | $ 8,000 | $ 46,000 |
| Union County Ohio | 8 | $ 58,000 | $ 7,000 | $ 48,000 |
| Wyandot County Ohio | 8 | $ 86,000 | $ 10,000 | $ 45,000 |
| Lebanon County Pennsylvania | 8 | $ 90,000 | $ 11,000 | $ 44,000 |
| Dodge County Wisconsin | 8 | $ 99,000 | $ 12,000 | $ 52,000 |
| Ozaukee County Wisconsin | 8 | $ 93,000 | $ 11,000 | $ 78,000 |
| DeKalb County Indiana | 7 | $ 59,000 | $ 8,000 | $ 42,000 |
| Delaware County Indiana | 7 | $ 60,000 | $ 8,000 | $ 45,000 |
| Fountain County Indiana | 7 | $ 62,000 | $ 8,000 | $ 63,000 |
| Huntington County Indiana | 7 | $ 66,000 | $ 9,000 | $ 38,000 |
| Noble County Indiana | 7 | $ 69,000 | $ 9,000 | $ 46,000 |
| Calhoun County Michigan | 7 | $ 81,000 | $ 11,000 | $ 30,000 |
| Montcalm County Michigan | 7 | $ 62,000 | $ 8,000 | $ 53,000 |
| Newaygo County Michigan | 7 | $ 59,000 | $ 8,000 | $ 41,000 |
| Madison County Ohio | 7 | $ 59,000 | $ 8,000 | $ 38,000 |
| Morrow County Ohio | 7 | $ 82,000 | $ 11,000 | $ 60,000 |
| Shelby County Ohio | 7 | $ 67,000 | $ 9,000 | $ 43,000 |
| Bucks County Pennsylvania | 7 | $ 130,000 | $ 18,000 | $ 74,000 |
| Dane County Wisconsin | 7 | $ 60,000 | $ 8,000 | $ 58,000 |
| Grundy County Illinois | 6 | $ 67,000 | $ 11,000 | $ 58,000 |
| LaSalle County Illinois | 6 | $ 61,000 | $ 10,000 | $ 39,000 |
| Kosciusko County Indiana | 6 | $ 45,000 | $ 7,000 | $ 58,000 |
| Prince George's County Maryland | 6 | $ 91,000 | $ 15,000 | $ 73,000 |
| Livingston County Michigan | 6 | $ 82,000 | $ 13,000 | $ 76,000 |
| Van Buren County Michigan | 6 | $ 58,000 | $ 9,000 | $ 54,000 |
| Franklin County Missouri | 6 | $ 59,000 | $ 9,000 | $ 58,000 |
| Greene County Ohio | 6 | $ 83,000 | $ 13,000 | $ 66,000 |
| Knox County Ohio | 6 | $ 60,000 | $ 10,000 | $ 43,000 |
| Warren County Ohio | 6 | $ 69,000 | $ 11,000 | $ 45,000 |
| Delaware County Pennsylvania | 6 | $ 91,000 | $ 15,000 | $ 56,000 |
| Montgomery County Pennsylvania | 6 | $ 91,000 | $ 15,000 | $ 88,000 |
| DeKalb County Illinois | 5 | $ 298,000 | $ 59,000 | $ 46,000 |
| Douglas County Illinois | 5 | $ 41,000 | $ 8,000 | $ 46,000 |
| Boone County Indiana | 5 | $ 41,000 | $ 8,000 | $ 43,000 |
| Henry County Indiana | 5 | $ 59,000 | $ 11,000 | $ 37,000 |
| Howard County Indiana | 5 | $ 58,000 | $ 11,000 | $ 45,000 |
| Baltimore County Maryland | 5 | $ 89,000 | $ 17,000 | $ 92,000 |
| Osceola County Michigan | 5 | $ 49,000 | $ 9,000 | $ 49,000 |
| St. Joseph County Michigan | 5 | $ 72,000 | $ 14,000 | $ 75,000 |
| Tuscola County Michigan | 5 | $ 47,000 | $ 9,000 | $ 59,000 |
| Auglaize County Ohio | 5 | $ 62,000 | $ 12,000 | $ 58,000 |
| Champaign County Ohio | 5 | $ 41,000 | $ 8,000 | $ 49,000 |
| Coshocton County Ohio | 5 | $ 45,000 | $ 9,000 | $ 31,000 |
| Perry County Ohio | 5 | $ 42,000 | $ 8,000 | $ 49,000 |
| Putnam County Ohio | 5 | $ 53,000 | $ 10,000 | $ 46,000 |
| Cambria County Pennsylvania | 5 | $ 78,000 | $ 15,000 | $ 25,000 |
| Lackawanna County Pennsylvania | 5 | $ 77,000 | $ 15,000 | $ 33,000 |
| Christian County Illinois | 4 | $ 32,000 | $ 8,000 | $ 37,000 |
| Coles County Illinois | 4 | $ 34,000 | $ 8,000 | $ 45,000 |
| Kendall County Illinois | 4 | $ 39,000 | $ 9,000 | $ 41,000 |
| Bartholomew County Indiana | 4 | $ 37,000 | $ 9,000 | $ 51,000 |
| Blackford County Indiana | 4 | $ 29,000 | $ 7,000 | $ 50,000 |
| LaPorte County Indiana | 4 | $ 94,000 | $ 23,000 | $ 47,000 |
| Marshall County Indiana | 4 | $ 24,000 | $ 6,000 | $ 48,000 |
| Morgan County Indiana | 4 | $ 85,000 | $ 21,000 | $ 68,000 |
| Randolph County Indiana | 4 | $ 32,000 | $ 8,000 | $ 55,000 |
| Vigo County Indiana | 4 | $ 50,000 | $ 12,000 | $ 59,000 |
| Campbell County Kentucky | 4 | $ 55,000 | $ 13,000 | $ 47,000 |
| Kenton County Kentucky | 4 | $ 50,000 | $ 12,000 | $ 51,000 |
| Carroll County Maryland | 4 | $ 104,000 | $ 26,000 | $ 74,000 |
| Bay County Michigan | 4 | $ 33,000 | $ 8,000 | $ 44,000 |
| Midland County Michigan | 4 | $ 28,000 | $ 7,000 | $ 38,000 |
| Oceana County Michigan | 4 | $ 37,000 | $ 9,000 | $ 34,000 |
| Paulding County Ohio | 4 | $ 36,000 | $ 9,000 | $ 32,000 |
| Chester County Pennsylvania | 4 | $ 50,000 | $ 12,000 | $ 74,000 |
| Cumberland County Pennsylvania | 4 | $ 55,000 | $ 13,000 | $ 48,000 |
| Monroe County Pennsylvania | 4 | $ 102,000 | $ 25,000 | $ 45,000 |
| Rock County Wisconsin | 4 | $ 60,000 | $ 15,000 | $ 57,000 |
| Walworth County Wisconsin | 4 | $ 38,000 | $ 9,000 | $ 61,000 |
| Ford County Illinois | 3 | $ 30,000 | $ 10,000 | $ 52,000 |
| Henry County Illinois | 3 | $ 34,000 | $ 11,000 | $ 56,000 |
| Kankakee County Illinois | 3 | $ 21,000 | $ 7,000 | $ 70,000 |
| Monroe County Illinois | 3 | $ 27,000 | $ 9,000 | $ 64,000 |
| Peoria County Illinois | 3 | $ 20,000 | $ 6,000 | $ 56,000 |
| Piatt County Illinois | 3 | $ 146,000 | $ 48,000 | $ 71,000 |
| Rock Island County Illinois | 3 | $ 31,000 | $ 10,000 | $ 67,000 |
| Fayette County Indiana | 3 | $ 20,000 | $ 6,000 | $ 44,000 |
| Grant County Indiana | 3 | $ 23,000 | $ 7,000 | $ 51,000 |
| Johnson County Indiana | 3 | $ 28,000 | $ 9,000 | $ 46,000 |
| LaGrange County Indiana | 3 | $ 28,000 | $ 9,000 | $ 43,000 |
| Shelby County Indiana | 3 | $ 31,000 | $ 10,000 | $ 47,000 |
| Whitley County Indiana | 3 | $ 27,000 | $ 9,000 | $ 25,000 |
| Harford County Maryland | 3 | $ 63,000 | $ 21,000 | $ 62,000 |
| Branch County Michigan | 3 | $ 26,000 | $ 8,000 | $ 44,000 |
| Cass County Michigan | 3 | $ 28,000 | $ 9,000 | $ 32,000 |
| Lapeer County Michigan | 3 | $ 32,000 | $ 10,000 | $ 63,000 |
| Carroll County Ohio | 3 | $ 30,000 | $ 10,000 | $ 30,000 |
| Fayette County Ohio | 3 | $ 22,000 | $ 7,000 | $ 68,000 |
| Hocking County Ohio | 3 | $ 25,000 | $ 8,000 | $ 43,000 |
| Preble County Ohio | 3 | $ 30,000 | $ 10,000 | $ 39,000 |
| Van Wert County Ohio | 3 | $ 26,000 | $ 8,000 | $ 50,000 |
| Beaver County Pennsylvania | 3 | $ 49,000 | $ 16,000 | $ 39,000 |
| Centre County Pennsylvania | 3 | $ 41,000 | $ 13,000 | $ 53,000 |
| Erie County Pennsylvania | 3 | $ 45,000 | $ 15,000 | $ 50,000 |
| Fayette County Pennsylvania | 3 | $ 37,000 | $ 12,000 | $ 51,000 |
| Mercer County Pennsylvania | 3 | $ 19,000 | $ 6,000 | $ 77,000 |
| Perry County Pennsylvania | 3 | $ 31,000 | $ 10,000 | $ 38,000 |
| Pike County Pennsylvania | 3 | $ 38,000 | $ 12,000 | $ 39,000 |
| Prince William County Virginia | 3 | $ 23,000 | $ 7,000 | $ 61,000 |
| Eau Claire County Wisconsin | 3 | $ 53,000 | $ 17,000 | $ 30,000 |
| Jefferson County Wisconsin | 3 | $ 28,000 | $ 9,000 | $ 59,000 |
| Fulton County Illinois | 2 | $ 25,000 | $ 12,000 | $ 49,000 |
| Knox County Illinois | 2 | $ 26,000 | $ 13,000 | $ 39,000 |
| Randolph County Illinois | 2 | $ 24,000 | $ 12,000 | $ 34,000 |
| Shelby County Illinois | 2 | $ 22,000 | $ 11,000 | $ 56,000 |
| Tazewell County Illinois | 2 | $ 27,000 | $ 13,000 | $ 50,000 |
| Woodford County Illinois | 2 | $ 11,000 | $ 5,000 | $ 43,000 |
| Clay County Indiana | 2 | $ 18,000 | $ 9,000 | $ 104,000 |
| Decatur County Indiana | 2 | $ 14,000 | $ 7,000 | $ 25,000 |
| Hancock County Indiana | 2 | $ 32,000 | $ 16,000 | $ 73,000 |
| Harrison County Indiana | 2 | $ 51,000 | $ 25,000 | $ 67,000 |
| Miami County Indiana | 2 | $ 23,000 | $ 11,000 | $ 31,000 |
| Montgomery County Indiana | 2 | $ 17,000 | $ 8,000 | $ 49,000 |
| Pulaski County Indiana | 2 | $ 22,000 | $ 11,000 | $ 65,000 |
| Ripley County Indiana | 2 | $ 16,000 | $ 8,000 | $ 35,000 |
| Starke County Indiana | 2 | $ 14,000 | $ 7,000 | $ 27,000 |
| Tipton County Indiana | 2 | $ 19,000 | $ 9,000 | $ 49,000 |
| Boone County Kentucky | 2 | $ 24,000 | $ 12,000 | $ 34,000 |
| Caldwell County Kentucky | 2 | $ 42,000 | $ 21,000 | $ 37,000 |
| Cecil County Maryland | 2 | $ 41,000 | $ 20,000 | $ 71,000 |
| Hillsdale County Michigan | 2 | $ 13,000 | $ 6,000 | $ 33,000 |
| Mecosta County Michigan | 2 | $ 19,000 | $ 9,000 | $ 46,000 |
| Brown County Ohio | 2 | $ 7,000 | $ 3,000 | $ 42,000 |
| Guernsey County Ohio | 2 | $ 15,000 | $ 7,000 | $ 58,000 |
| Jefferson County Ohio | 2 | $ 32,000 | $ 16,000 | $ 49,000 |
| Miami County Ohio | 2 | $ 15,000 | $ 7,000 | $ 40,000 |
| Noble County Ohio | 2 | $ 12,000 | $ 6,000 | $ 23,000 |
| Pickaway County Ohio | 2 | $ 21,000 | $ 10,000 | $ 61,000 |
| Scioto County Ohio | 2 | $ 11,000 | $ 5,000 | $ 46,000 |
| Adams County Pennsylvania | 2 | $ 21,000 | $ 10,000 | $ 29,000 |
| Luzerne County Pennsylvania | 2 | $ 31,000 | $ 15,000 | $ 24,000 |
| Somerset County Pennsylvania | 2 | $ 28,000 | $ 14,000 | $ 53,000 |
| Fairfax County Virginia | 2 | $ 233,000 | $ 116,000 | $ 99,000 |
| Manitowoc County Wisconsin | 2 | $ 22,000 | $ 11,000 | $ 57,000 |
| Maricopa County Arizona | 1 | $ 68,000 | $ 68,000 | $ 24,000 |
| Eagle County Colorado | 1 | $ 500,000 | $ 500,000 | $ 600,000 |
| Larimer County Colorado | 1 | $ 153,000 | $ 153,000 | $ 228,000 |
| Broward County Florida | 1 | $ 127,000 | $ 127,000 | $ 84,000 |
| Brown County Illinois | 1 | $ 5,000 | $ 5,000 | $ 13,000 |
| Cass County Illinois | 1 | $ 2,000 | $ 2,000 | $ 23,000 |
| Clinton County Illinois | 1 | $ 10,000 | $ 10,000 | $ 56,000 |
| Edgar County Illinois | 1 | $ 16,000 | $ 16,000 | $ 27,000 |
| Effingham County Illinois | 1 | $ 11,000 | $ 11,000 | $ 42,000 |
| Iroquois County Illinois | 1 | $ 11,000 | $ 11,000 | $ 39,000 |
| Lee County Illinois | 1 | $ 15,000 | $ 15,000 | $ 71,000 |
| Livingston County Illinois | 1 | $ 3,000 | $ 3,000 | $ 59,000 |
| McLean County Illinois | 1 | $ 4,000 | $ 4,000 | $ 70,000 |
| Moultrie County Illinois | 1 | $ 8,000 | $ 8,000 | $ 38,000 |
| Ogle County Illinois | 1 | $ 24,000 | $ 24,000 | $ 150,000 |
| Sangamon County Illinois | 1 | $ 3,000 | $ 3,000 | $ 53,000 |
| Clark County Indiana | 1 | $ 4,000 | $ 4,000 | $ 34,000 |
| Clinton County Indiana | 1 | $ 10,000 | $ 10,000 | $ 69,000 |
| Dearborn County Indiana | 1 | $ 11,000 | $ 11,000 | $ 41,000 |
| Franklin County Indiana | 1 | $ 10,000 | $ 10,000 | $ 82,000 |
| Jackson County Indiana | 1 | $ 11,000 | $ 11,000 | $ 42,000 |
| Jay County Indiana | 1 | $ 9,000 | $ 9,000 | $ 23,000 |
| Jefferson County Indiana | 1 | $ 3,000 | $ 3,000 | $ 45,000 |
| Monroe County Indiana | 1 | $ 6,000 | $ 6,000 | $ 51,000 |
| Rush County Indiana | 1 | $ 10,000 | $ 10,000 | $ 43,000 |
| Tippecanoe County Indiana | 1 | $ 10,000 | $ 10,000 | $ 111,000 |
| Union County Indiana | 1 | $ 5,000 | $ 5,000 | $ 43,000 |
| Warren County Indiana | 1 | $ 8,000 | $ 8,000 | $ 24,000 |
| Polk County Iowa | 1 | $ 200,000 | $ 200,000 | $ 228,000 |
| Orleans County Louisiana | 1 | $ 127,000 | $ 127,000 | $ 125,000 |
| Allegany County Maryland | 1 | $ 10,000 | $ 10,000 | $ 24,000 |
| Anne Arundel County Maryland | 1 | $ 12,000 | $ 12,000 | $ 65,000 |
| Frederick County Maryland | 1 | $ 26,000 | $ 26,000 | $ 42,000 |
| Howard County Maryland | 1 | $ 29,000 | $ 29,000 | $ 67,000 |
| Washington County Maryland | 1 | $ 19,000 | $ 19,000 | $ 32,000 |
| Shiawassee County Michigan | 1 | $ 8,000 | $ 8,000 | $ 23,000 |
| Jackson County Missouri | 1 | $ 4,000 | $ 4,000 | $ 10,000 |
| Lincoln County Missouri | 1 | $ 12,000 | $ 12,000 | $ 102,000 |
| Macon County Missouri | 1 | $ 6,000 | $ 6,000 | $ 35,000 |
| Ralls County Missouri | 1 | $ 5,000 | $ 5,000 | $ 39,000 |
| St. Francois County Missouri | 1 | $ 8,000 | $ 8,000 | $ 63,000 |
| Warren County Missouri | 1 | $ 11,000 | $ 11,000 | $ 41,000 |
| Gloucester County New Jersey | 1 | $ 25,000 | $ 25,000 | $ 51,000 |
| Hardin County Ohio | 1 | $ 14,000 | $ 14,000 | $ 50,000 |
| Highland County Ohio | 1 | $ 12,000 | $ 12,000 | $ 80,000 |
| Morgan County Ohio | 1 | $ 5,000 | $ 5,000 | $ 77,000 |
| Pike County Ohio | 1 | $ 7,000 | $ 7,000 | $ 18,000 |
| Clarion County Pennsylvania | 1 | $ 4,000 | $ 4,000 | $ 26,000 |
| Clearfield County Pennsylvania | 1 | $ 8,000 | $ 8,000 | $ 29,000 |
| Columbia County Pennsylvania | 1 | $ 12,000 | $ 12,000 | $ 71,000 |
| Crawford County Pennsylvania | 1 | $ 8,000 | $ 8,000 | $ 123,000 |
| Huntingdon County Pennsylvania | 1 | $ 7,000 | $ 7,000 | $ 53,000 |
| Lawrence County Pennsylvania | 1 | $ 22,000 | $ 22,000 | $ 72,000 |
| Mifflin County Pennsylvania | 1 | $ 4,000 | $ 4,000 | $ 14,000 |
| Montour County Pennsylvania | 1 | $ 12,000 | $ 12,000 | $ 17,000 |
| Philadelphia County Pennsylvania | 1 | $ 20,000 | $ 20,000 | $ 93,000 |
| Snyder County Pennsylvania | 1 | $ 7,000 | $ 7,000 | $ 68,000 |
| Union County Pennsylvania | 1 | $ 5,000 | $ 5,000 | $ 52,000 |
| Wayne County Pennsylvania | 1 | $ 25,000 | $ 25,000 | $ 37,000 |
| Wyoming County Pennsylvania | 1 | $ 15,000 | $ 15,000 | $ 26,000 |
| Door County Wisconsin | 1 | $ 122,000 | $ 122,000 | $ 111,000 |
| Trempealeau County Wisconsin | 1 | $ 15,000 | $ 15,000 | $ 9,000 |
Mortgage Loan Application Detail Totals for South Central Bank in 2003
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 Improvement (one-to-four family) | 5,394 | $55,148,000 | $12,454 | $192,000 | $53,727 | $463,000 |
| Refinancing (home purchase or home improvement, one-to-four family) | 578 | $75,163,000 | $112,000 | $620,000 | $126,076 | $780,000 |
| Home Purchase (one-to-four family) | 88 | $18,474,000 | $209,000 | $920,000 | $93,000 | $900,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 3,527 | $96,731,000 | $72,142 | $920,000 | $98,285 | $900,000 |
| Information not provided by applicant in mail or telephone application | 1,195 | $17,694,000 | $12,363 | $385,000 | $57,363 | $720,000 |
| Black | 804 | $14,159,000 | $13,750 | $375,000 | $51,625 | $780,000 |
| Hispanic | 419 | $10,168,000 | $24,777 | $300,000 | $58,333 | $260,000 |
| Asian or Pacific Islander | 76 | $9,173,000 | $27,714 | $550,000 | $69,571 | $317,000 |
| Other | 28 | $528,000 | $13,750 | $148,000 | $55,500 | $121,000 |
| American Indian or Alaskan Native | 11 | $332,000 | $26,800 | $228,000 | $52,600 | $104,000 |
| Not applicable | 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 |
|---|---|---|---|---|---|---|
| FHA-insured (Federal Housing Administration) | 3,061 | $39,116,000 | $13,454 | $375,000 | $53,090 | $463,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 2,999 | $109,669,000 | $71,866 | $920,000 | $98,000 | $900,000 |
| 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 |
|---|---|---|---|---|---|---|
| Application Denied By Financial Institution | 2,473 | $31,963,000 | $12,300 | $400,000 | $53,100 | $780,000 |
| Loan Originated | 2,213 | $84,016,000 | $75,666 | $620,000 | $100,466 | $900,000 |
| Application Approved But Not Accepted | 933 | $9,662,000 | $11,000 | $300,000 | $53,111 | $180,000 |
| Application Withdrawn By Applicant | 441 | $23,144,000 | $23,100 | $920,000 | $55,800 | $720,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The 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 | 1,165 | $13,127,000 | $12,111 | $168,000 | $53,000 | $780,000 |
| Debt-To-Income Ratio | 829 | $9,217,000 | $10,888 | $192,000 | $44,333 | $318,000 |
| Collateral | 139 | $4,687,000 | $23,000 | $400,000 | $61,625 | $178,000 |
| Unverifiable Information | 101 | $1,054,000 | $11,000 | $100,000 | $62,222 | $463,000 |
| Other | 95 | $1,635,000 | $11,750 | $226,000 | $65,500 | $242,000 |
| Employment History | 26 | $401,000 | $18,714 | $100,000 | $44,571 | $90,000 |
| Mortgage Insurance Denied | 20 | $616,000 | $21,200 | $214,000 | $78,400 | $154,000 |
| Credit Application Incomplete | 19 | $403,000 | $17,166 | $223,000 | $69,833 | $191,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $7,000 | $7,000 | $7,000 | $38,000 | $38,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into South Central Bank's 2003 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 South Central 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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with aggregated HMDA statistics today.