South Central Bank, National Association
HMDA Loan Application Totals
and Mortgage Lending Details
for 2005
South Central Bank, National Association 2005 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, National Association 525 W Roosevelt Rd Chicago, IL 60607 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 |
| Total Number of Mortgage Applications | 4,769 |
| Total Mortgage Loan Application Amount | $131,718,000 |
| Average Mortgage Loan Application Amount | $114,428 |
| Highest Mortgage Loan Application Amount | $660,000 |
| Average Applicant Income | $136,035 |
| Highest Applicant Income | $1,202,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2005 with South Central Bank, National Association. 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, National Association's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2005 breaks down South Central Bank, National Association'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, National Association serves its applicants.
Each category highlights the total number of mortgage applications processed by South Central Bank, National Association, 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, National Association's mortgage activity for 2005.
| 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 | 1,069 | $ 72,505,000 | $ 67,000 | $ 65,000 |
| Cuyahoga County Ohio | 392 | $ 4,138,000 | $ 10,000 | $ 64,000 |
| Summit County Ohio | 182 | $ 2,090,000 | $ 11,000 | $ 57,000 |
| Lake County Indiana | 128 | $ 1,699,000 | $ 13,000 | $ 44,000 |
| Milwaukee County Wisconsin | 126 | $ 1,665,000 | $ 13,000 | $ 60,000 |
| Hamilton County Ohio | 117 | $ 1,394,000 | $ 11,000 | $ 50,000 |
| Franklin County Ohio | 114 | $ 1,095,000 | $ 9,000 | $ 46,000 |
| Lorain County Ohio | 108 | $ 1,307,000 | $ 12,000 | $ 59,000 |
| St. Louis County Missouri | 87 | $ 886,000 | $ 10,000 | $ 56,000 |
| Stark County Ohio | 79 | $ 942,000 | $ 11,000 | $ 66,000 |
| Lake County Illinois | 77 | $ 6,662,000 | $ 86,000 | $ 72,000 |
| Will County Illinois | 65 | $ 4,235,000 | $ 65,000 | $ 72,000 |
| Lake County Ohio | 60 | $ 722,000 | $ 12,000 | $ 55,000 |
| Medina County Ohio | 59 | $ 773,000 | $ 13,000 | $ 64,000 |
| Oakland County Michigan | 56 | $ 693,000 | $ 12,000 | $ 68,000 |
| DuPage County Illinois | 55 | $ 4,515,000 | $ 82,000 | $ 68,000 |
| Trumbull County Ohio | 54 | $ 583,000 | $ 10,000 | $ 64,000 |
| Wayne County Michigan | 50 | $ 553,000 | $ 11,000 | $ 53,000 |
| Macomb County Michigan | 49 | $ 574,000 | $ 11,000 | $ 53,000 |
| Mahoning County Ohio | 48 | $ 504,000 | $ 10,000 | $ 42,000 |
| Portage County Ohio | 46 | $ 578,000 | $ 12,000 | $ 63,000 |
| Allen County Indiana | 43 | $ 424,000 | $ 9,000 | $ 44,000 |
| Montgomery County Ohio | 37 | $ 373,000 | $ 10,000 | $ 63,000 |
| Cobb County Georgia | 36 | $ 316,000 | $ 8,000 | $ 46,000 |
| DeKalb County Georgia | 35 | $ 340,000 | $ 9,000 | $ 67,000 |
| Fulton County Georgia | 34 | $ 341,000 | $ 10,000 | $ 62,000 |
| St. Joseph County Indiana | 34 | $ 422,000 | $ 12,000 | $ 46,000 |
| Ashtabula County Ohio | 34 | $ 391,000 | $ 11,000 | $ 53,000 |
| Allegheny County Pennsylvania | 30 | $ 333,000 | $ 11,000 | $ 60,000 |
| Kane County Illinois | 29 | $ 567,000 | $ 19,000 | $ 78,000 |
| Genesee County Michigan | 28 | $ 282,000 | $ 10,000 | $ 62,000 |
| Racine County Wisconsin | 28 | $ 416,000 | $ 14,000 | $ 54,000 |
| Kent County Michigan | 27 | $ 248,000 | $ 9,000 | $ 49,000 |
| Porter County Indiana | 26 | $ 310,000 | $ 11,000 | $ 77,000 |
| Wayne County Ohio | 26 | $ 324,000 | $ 12,000 | $ 50,000 |
| Waukesha County Wisconsin | 26 | $ 356,000 | $ 13,000 | $ 64,000 |
| Geauga County Ohio | 25 | $ 293,000 | $ 11,000 | $ 67,000 |
| Sheboygan County Wisconsin | 25 | $ 368,000 | $ 14,000 | $ 59,000 |
| Berrien County Michigan | 22 | $ 271,000 | $ 12,000 | $ 49,000 |
| Lucas County Ohio | 22 | $ 231,000 | $ 10,000 | $ 42,000 |
| Licking County Ohio | 21 | $ 215,000 | $ 10,000 | $ 42,000 |
| Clark County Ohio | 20 | $ 179,000 | $ 8,000 | $ 45,000 |
| Crawford County Ohio | 20 | $ 241,000 | $ 12,000 | $ 54,000 |
| Elkhart County Indiana | 19 | $ 256,000 | $ 13,000 | $ 57,000 |
| Allen County Ohio | 19 | $ 202,000 | $ 10,000 | $ 37,000 |
| Dodge County Wisconsin | 19 | $ 343,000 | $ 18,000 | $ 46,000 |
| LaPorte County Indiana | 18 | $ 312,000 | $ 17,000 | $ 71,000 |
| Ashland County Ohio | 18 | $ 196,000 | $ 10,000 | $ 33,000 |
| Fairfield County Ohio | 18 | $ 195,000 | $ 10,000 | $ 48,000 |
| Richland County Ohio | 18 | $ 187,000 | $ 10,000 | $ 49,000 |
| McHenry County Illinois | 17 | $ 449,000 | $ 26,000 | $ 69,000 |
| Columbiana County Ohio | 17 | $ 197,000 | $ 11,000 | $ 63,000 |
| Seneca County Ohio | 17 | $ 194,000 | $ 11,000 | $ 45,000 |
| Kenosha County Wisconsin | 17 | $ 221,000 | $ 13,000 | $ 53,000 |
| Madison County Illinois | 16 | $ 183,000 | $ 11,000 | $ 31,000 |
| Vermilion County Illinois | 16 | $ 162,000 | $ 10,000 | $ 52,000 |
| Kalamazoo County Michigan | 16 | $ 191,000 | $ 11,000 | $ 41,000 |
| Ingham County Michigan | 15 | $ 141,000 | $ 9,000 | $ 51,000 |
| Jefferson County Missouri | 15 | $ 136,000 | $ 9,000 | $ 57,000 |
| St. Charles County Missouri | 15 | $ 141,000 | $ 9,000 | $ 60,000 |
| Gwinnett County Georgia | 14 | $ 120,000 | $ 8,000 | $ 67,000 |
| Kenton County Kentucky | 14 | $ 161,000 | $ 11,000 | $ 46,000 |
| Butler County Ohio | 14 | $ 123,000 | $ 8,000 | $ 73,000 |
| Erie County Ohio | 14 | $ 206,000 | $ 14,000 | $ 47,000 |
| LaSalle County Illinois | 13 | $ 148,000 | $ 11,000 | $ 64,000 |
| Eaton County Michigan | 13 | $ 128,000 | $ 9,000 | $ 75,000 |
| Clermont County Ohio | 13 | $ 162,000 | $ 12,000 | $ 82,000 |
| York County Pennsylvania | 13 | $ 309,000 | $ 23,000 | $ 113,000 |
| Monroe County Michigan | 12 | $ 98,000 | $ 8,000 | $ 46,000 |
| St. Louis City County Missouri | 12 | $ 127,000 | $ 10,000 | $ 64,000 |
| Delaware County Ohio | 12 | $ 130,000 | $ 10,000 | $ 50,000 |
| Huron County Ohio | 12 | $ 130,000 | $ 10,000 | $ 63,000 |
| Pickaway County Ohio | 12 | $ 122,000 | $ 10,000 | $ 62,000 |
| Wood County Ohio | 12 | $ 119,000 | $ 9,000 | $ 50,000 |
| Fond du Lac County Wisconsin | 12 | $ 150,000 | $ 12,000 | $ 37,000 |
| Champaign County Illinois | 11 | $ 147,000 | $ 13,000 | $ 68,000 |
| Huntington County Indiana | 11 | $ 114,000 | $ 10,000 | $ 39,000 |
| Calhoun County Michigan | 11 | $ 106,000 | $ 9,000 | $ 50,000 |
| Tuscarawas County Ohio | 11 | $ 142,000 | $ 12,000 | $ 38,000 |
| Jefferson County Wisconsin | 11 | $ 132,000 | $ 12,000 | $ 37,000 |
| Washington County Wisconsin | 11 | $ 160,000 | $ 14,000 | $ 72,000 |
| Jackson County Michigan | 10 | $ 123,000 | $ 12,000 | $ 57,000 |
| Muskegon County Michigan | 10 | $ 84,000 | $ 8,000 | $ 44,000 |
| Knox County Ohio | 10 | $ 91,000 | $ 9,000 | $ 45,000 |
| Marion County Ohio | 10 | $ 114,000 | $ 11,000 | $ 41,000 |
| Ottawa County Ohio | 10 | $ 119,000 | $ 11,000 | $ 64,000 |
| Union County Ohio | 10 | $ 95,000 | $ 9,000 | $ 65,000 |
| Lawrence County Pennsylvania | 10 | $ 93,000 | $ 9,000 | $ 53,000 |
| Douglas County Georgia | 9 | $ 89,000 | $ 9,000 | $ 77,000 |
| Marshall County Indiana | 9 | $ 140,000 | $ 15,000 | $ 51,000 |
| Saginaw County Michigan | 9 | $ 92,000 | $ 10,000 | $ 42,000 |
| Greene County Ohio | 9 | $ 91,000 | $ 10,000 | $ 67,000 |
| Muskingum County Ohio | 9 | $ 75,000 | $ 8,000 | $ 53,000 |
| Beaver County Pennsylvania | 9 | $ 90,000 | $ 10,000 | $ 39,000 |
| St. Clair County Illinois | 8 | $ 72,000 | $ 9,000 | $ 62,000 |
| Adams County Indiana | 8 | $ 73,000 | $ 9,000 | $ 41,000 |
| Noble County Indiana | 8 | $ 74,000 | $ 9,000 | $ 40,000 |
| Boone County Kentucky | 8 | $ 83,000 | $ 10,000 | $ 81,000 |
| Campbell County Kentucky | 8 | $ 96,000 | $ 12,000 | $ 50,000 |
| Hancock County Ohio | 8 | $ 76,000 | $ 9,000 | $ 42,000 |
| Paulding County Georgia | 7 | $ 66,000 | $ 9,000 | $ 42,000 |
| DeKalb County Indiana | 7 | $ 57,000 | $ 8,000 | $ 35,000 |
| Allegan County Michigan | 7 | $ 81,000 | $ 11,000 | $ 69,000 |
| Bay County Michigan | 7 | $ 73,000 | $ 10,000 | $ 50,000 |
| Lenawee County Michigan | 7 | $ 64,000 | $ 9,000 | $ 48,000 |
| Kankakee County Illinois | 6 | $ 77,000 | $ 12,000 | $ 83,000 |
| Barry County Michigan | 6 | $ 50,000 | $ 8,000 | $ 31,000 |
| Hillsdale County Michigan | 6 | $ 72,000 | $ 12,000 | $ 32,000 |
| Livingston County Michigan | 6 | $ 80,000 | $ 13,000 | $ 71,000 |
| Franklin County Missouri | 6 | $ 62,000 | $ 10,000 | $ 79,000 |
| Coshocton County Ohio | 6 | $ 70,000 | $ 11,000 | $ 29,000 |
| Miami County Ohio | 6 | $ 49,000 | $ 8,000 | $ 53,000 |
| Perry County Ohio | 6 | $ 55,000 | $ 9,000 | $ 38,000 |
| Lancaster County Pennsylvania | 6 | $ 109,000 | $ 18,000 | $ 72,000 |
| Mercer County Pennsylvania | 6 | $ 59,000 | $ 9,000 | $ 43,000 |
| Iroquois County Illinois | 5 | $ 95,000 | $ 19,000 | $ 41,000 |
| Jay County Indiana | 5 | $ 47,000 | $ 9,000 | $ 35,000 |
| Kosciusko County Indiana | 5 | $ 69,000 | $ 13,000 | $ 45,000 |
| Marion County Indiana | 5 | $ 76,000 | $ 15,000 | $ 59,000 |
| Cass County Michigan | 5 | $ 46,000 | $ 9,000 | $ 44,000 |
| Ottawa County Michigan | 5 | $ 45,000 | $ 9,000 | $ 71,000 |
| Shiawassee County Michigan | 5 | $ 49,000 | $ 9,000 | $ 59,000 |
| St. Joseph County Michigan | 5 | $ 57,000 | $ 11,000 | $ 56,000 |
| Lincoln County Missouri | 5 | $ 42,000 | $ 8,000 | $ 66,000 |
| Logan County Ohio | 5 | $ 50,000 | $ 10,000 | $ 49,000 |
| Morrow County Ohio | 5 | $ 116,000 | $ 23,000 | $ 61,000 |
| Sandusky County Ohio | 5 | $ 34,000 | $ 6,000 | $ 42,000 |
| Adams County Pennsylvania | 5 | $ 91,000 | $ 18,000 | $ 80,000 |
| Butler County Pennsylvania | 5 | $ 65,000 | $ 13,000 | $ 46,000 |
| Crawford County Pennsylvania | 5 | $ 39,000 | $ 7,000 | $ 47,000 |
| Walworth County Wisconsin | 5 | $ 157,000 | $ 31,000 | $ 37,000 |
| Cherokee County Georgia | 4 | $ 43,000 | $ 10,000 | $ 54,000 |
| Ford County Illinois | 4 | $ 54,000 | $ 13,000 | $ 51,000 |
| Steuben County Indiana | 4 | $ 42,000 | $ 10,000 | $ 55,000 |
| Wabash County Indiana | 4 | $ 37,000 | $ 9,000 | $ 51,000 |
| Wells County Indiana | 4 | $ 33,000 | $ 8,000 | $ 48,000 |
| Montcalm County Michigan | 4 | $ 43,000 | $ 10,000 | $ 61,000 |
| Newaygo County Michigan | 4 | $ 47,000 | $ 11,000 | $ 72,000 |
| Highland County Ohio | 4 | $ 47,000 | $ 11,000 | $ 39,000 |
| Ross County Ohio | 4 | $ 40,000 | $ 10,000 | $ 86,000 |
| Warren County Ohio | 4 | $ 40,000 | $ 10,000 | $ 59,000 |
| Dauphin County Pennsylvania | 4 | $ 105,000 | $ 26,000 | $ 93,000 |
| Washington County Pennsylvania | 4 | $ 65,000 | $ 16,000 | $ 31,000 |
| Ozaukee County Wisconsin | 4 | $ 47,000 | $ 11,000 | $ 62,000 |
| Fayette County Georgia | 3 | $ 22,000 | $ 7,000 | $ 87,000 |
| Bureau County Illinois | 3 | $ 31,000 | $ 10,000 | $ 70,000 |
| Coles County Illinois | 3 | $ 31,000 | $ 10,000 | $ 56,000 |
| De Witt County Illinois | 3 | $ 23,000 | $ 7,000 | $ 46,000 |
| Edgar County Illinois | 3 | $ 46,000 | $ 15,000 | $ 48,000 |
| Livingston County Illinois | 3 | $ 11,000 | $ 3,000 | $ 53,000 |
| Miami County Indiana | 3 | $ 27,000 | $ 9,000 | $ 55,000 |
| Jefferson County Kentucky | 3 | $ 20,000 | $ 6,000 | $ 36,000 |
| Isabella County Michigan | 3 | $ 28,000 | $ 9,000 | $ 55,000 |
| Lapeer County Michigan | 3 | $ 30,000 | $ 10,000 | $ 35,000 |
| Oceana County Michigan | 3 | $ 24,000 | $ 8,000 | $ 44,000 |
| Auglaize County Ohio | 3 | $ 26,000 | $ 8,000 | $ 31,000 |
| Putnam County Ohio | 3 | $ 32,000 | $ 10,000 | $ 53,000 |
| Shelby County Ohio | 3 | $ 32,000 | $ 10,000 | $ 42,000 |
| Northampton County Pennsylvania | 3 | $ 55,000 | $ 18,000 | $ 48,000 |
| Westmoreland County Pennsylvania | 3 | $ 42,000 | $ 14,000 | $ 43,000 |
| Denver County Colorado | 2 | $ 765,000 | $ 382,000 | $ 137,000 |
| Clayton County Georgia | 2 | $ 19,000 | $ 9,000 | $ 58,000 |
| Grundy County Illinois | 2 | $ 16,000 | $ 8,000 | $ 68,000 |
| Macon County Illinois | 2 | $ 14,000 | $ 7,000 | $ 75,000 |
| Ogle County Illinois | 2 | $ 120,000 | $ 60,000 | $ 135,000 |
| Peoria County Illinois | 2 | $ 93,000 | $ 46,000 | $ 14,000 |
| Shelby County Illinois | 2 | $ 25,000 | $ 12,000 | $ 43,000 |
| Dearborn County Indiana | 2 | $ 20,000 | $ 10,000 | $ 41,000 |
| LaGrange County Indiana | 2 | $ 29,000 | $ 14,000 | $ 75,000 |
| Newton County Indiana | 2 | $ 16,000 | $ 8,000 | $ 47,000 |
| Starke County Indiana | 2 | $ 21,000 | $ 10,000 | $ 33,000 |
| Whitley County Indiana | 2 | $ 21,000 | $ 10,000 | $ 41,000 |
| Baltimore County Maryland | 2 | $ 45,000 | $ 22,000 | $ 61,000 |
| Ionia County Michigan | 2 | $ 18,000 | $ 9,000 | $ 38,000 |
| Midland County Michigan | 2 | $ 28,000 | $ 14,000 | $ 61,000 |
| St. Clair County Michigan | 2 | $ 20,000 | $ 10,000 | $ 91,000 |
| Washtenaw County Michigan | 2 | $ 22,000 | $ 11,000 | $ 102,000 |
| Warren County Missouri | 2 | $ 53,000 | $ 26,000 | $ 134,000 |
| Douglas County Nevada | 2 | $ 364,000 | $ 182,000 | $ 104,000 |
| Carroll County Ohio | 2 | $ 31,000 | $ 15,000 | $ 32,000 |
| Champaign County Ohio | 2 | $ 12,000 | $ 6,000 | $ 67,000 |
| Defiance County Ohio | 2 | $ 14,000 | $ 7,000 | $ 45,000 |
| Madison County Ohio | 2 | $ 19,000 | $ 9,000 | $ 61,000 |
| Paulding County Ohio | 2 | $ 24,000 | $ 12,000 | $ 32,000 |
| Van Wert County Ohio | 2 | $ 15,000 | $ 7,000 | $ 34,000 |
| Chester County Pennsylvania | 2 | $ 37,000 | $ 18,000 | $ 42,000 |
| Cumberland County Pennsylvania | 2 | $ 36,000 | $ 18,000 | $ 67,000 |
| Fayette County Pennsylvania | 2 | $ 28,000 | $ 14,000 | $ 52,000 |
| Rock County Wisconsin | 2 | $ 41,000 | $ 20,000 | $ 55,000 |
| Jefferson County Colorado | 1 | $ 152,000 | $ 152,000 | $ 47,000 |
| Summit County Colorado | 1 | $ 250,000 | $ 250,000 | $ 1,202,000 |
| New Castle County Delaware | 1 | $ 272,000 | $ 272,000 | $ 86,000 |
| Lee County Florida | 1 | $ 230,000 | $ 230,000 | $ 98,000 |
| Bartow County Georgia | 1 | $ 9,000 | $ 9,000 | $ 96,000 |
| Carroll County Georgia | 1 | $ 11,000 | $ 11,000 | $ 145,000 |
| Forsyth County Georgia | 1 | $ 10,000 | $ 10,000 | $ 79,000 |
| Henry County Georgia | 1 | $ 7,000 | $ 7,000 | $ 76,000 |
| Rockdale County Georgia | 1 | $ 10,000 | $ 10,000 | $ 106,000 |
| Christian County Illinois | 1 | $ 9,000 | $ 9,000 | $ 61,000 |
| Clark County Illinois | 1 | $ 11,000 | $ 11,000 | $ 62,000 |
| Clinton County Illinois | 1 | $ 10,000 | $ 10,000 | $ 127,000 |
| Cumberland County Illinois | 1 | $ 10,000 | $ 10,000 | $ 55,000 |
| Douglas County Illinois | 1 | $ 12,000 | $ 12,000 | $ 40,000 |
| Kendall County Illinois | 1 | $ 9,000 | $ 9,000 | $ 67,000 |
| Macoupin County Illinois | 1 | $ 11,000 | $ 11,000 | $ 34,000 |
| Monroe County Illinois | 1 | $ 10,000 | $ 10,000 | $ 70,000 |
| Pike County Illinois | 1 | $ 4,000 | $ 4,000 | $ 43,000 |
| Putnam County Illinois | 1 | $ 3,000 | $ 3,000 | $ 65,000 |
| Randolph County Illinois | 1 | $ 14,000 | $ 14,000 | $ 74,000 |
| Benton County Indiana | 1 | $ 6,000 | $ 6,000 | $ 70,000 |
| Blackford County Indiana | 1 | $ 10,000 | $ 10,000 | $ 28,000 |
| Cass County Indiana | 1 | $ 13,000 | $ 13,000 | $ 32,000 |
| Delaware County Indiana | 1 | $ 7,000 | $ 7,000 | $ 62,000 |
| Harrison County Indiana | 1 | $ 16,000 | $ 16,000 | $ 46,000 |
| Jasper County Indiana | 1 | $ 14,000 | $ 14,000 | $ 110,000 |
| Pulaski County Indiana | 1 | $ 11,000 | $ 11,000 | $ 35,000 |
| Ripley County Indiana | 1 | $ 5,000 | $ 5,000 | $ 35,000 |
| Union County Indiana | 1 | $ 9,000 | $ 9,000 | $ 55,000 |
| Warren County Indiana | 1 | $ 10,000 | $ 10,000 | $ 30,000 |
| Harrison County Kentucky | 1 | $ 7,000 | $ 7,000 | $ 123,000 |
| Jessamine County Kentucky | 1 | $ 27,000 | $ 27,000 | $ 32,000 |
| Madison County Kentucky | 1 | $ 19,000 | $ 19,000 | $ 139,000 |
| Anne Arundel County Maryland | 1 | $ 30,000 | $ 30,000 | $ 90,000 |
| Montgomery County Maryland | 1 | $ 37,000 | $ 37,000 | $ 132,000 |
| Branch County Michigan | 1 | $ 15,000 | $ 15,000 | $ 109,000 |
| Clinton County Michigan | 1 | $ 5,000 | $ 5,000 | $ 48,000 |
| Gladwin County Michigan | 1 | $ 11,000 | $ 11,000 | $ 35,000 |
| Gratiot County Michigan | 1 | $ 15,000 | $ 15,000 | $ 13,000 |
| Mason County Michigan | 1 | $ 9,000 | $ 9,000 | $ 68,000 |
| Tuscola County Michigan | 1 | $ 13,000 | $ 13,000 | $ 46,000 |
| Van Buren County Michigan | 1 | $ 12,000 | $ 12,000 | $ 68,000 |
| Anoka County Minnesota | 1 | $ 21,000 | $ 21,000 | $ 88,000 |
| Chisago County Minnesota | 1 | $ 12,000 | $ 12,000 | $ 98,000 |
| Jasper County Missouri | 1 | $ 17,000 | $ 17,000 | $ 34,000 |
| McDonald County Missouri | 1 | $ 13,000 | $ 13,000 | $ 24,000 |
| Shelby County Missouri | 1 | $ 3,000 | $ 3,000 | $ 36,000 |
| Grafton County New Hampshire | 1 | $ 179,000 | $ 179,000 | $ 369,000 |
| Bergen County New Jersey | 1 | $ 500,000 | $ 500,000 | $ 170,000 |
| Wake County North Carolina | 1 | $ 315,000 | $ 315,000 | $ 240,000 |
| Athens County Ohio | 1 | $ 9,000 | $ 9,000 | $ 108,000 |
| Clinton County Ohio | 1 | $ 17,000 | $ 17,000 | $ 40,000 |
| Darke County Ohio | 1 | $ 15,000 | $ 15,000 | $ 59,000 |
| Fayette County Ohio | 1 | $ 2,000 | $ 2,000 | $ 87,000 |
| Fulton County Ohio | 1 | $ 7,000 | $ 7,000 | $ 58,000 |
| Henry County Ohio | 1 | $ 8,000 | $ 8,000 | $ 58,000 |
| Holmes County Ohio | 1 | $ 10,000 | $ 10,000 | $ 96,000 |
| Wyandot County Ohio | 1 | $ 10,000 | $ 10,000 | $ 40,000 |
| Armstrong County Pennsylvania | 1 | $ 10,000 | $ 10,000 | $ 93,000 |
| Delaware County Pennsylvania | 1 | $ 25,000 | $ 25,000 | $ 76,000 |
| Indiana County Pennsylvania | 1 | $ 25,000 | $ 25,000 | $ 47,000 |
| Juniata County Pennsylvania | 1 | $ 18,000 | $ 18,000 | $ 60,000 |
| Lebanon County Pennsylvania | 1 | $ 17,000 | $ 17,000 | $ 69,000 |
| Northumberland County Pennsylvania | 1 | $ 11,000 | $ 11,000 | $ 49,000 |
| Hardeman County Tennessee | 1 | $ 11,000 | $ 11,000 | $ 50,000 |
| Harris County Texas | 1 | $ 37,000 | $ 37,000 | $ 84,000 |
| Calumet County Wisconsin | 1 | $ 16,000 | $ 16,000 | $ 69,000 |
Mortgage Loan Application Detail Totals for South Central Bank, National Association in 2005
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 | 4,399 | $57,969,000 | $13,500 | $510,000 | $62,333 | $1,142,000 |
| Home Purchase | 210 | $43,932,000 | $224,714 | $560,000 | $98,714 | $447,000 |
| Refinancing | 160 | $29,817,000 | $163,222 | $660,000 | $263,333 | $1,202,000 |
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 | 3,283 | $84,313,000 | $116,578 | $660,000 | $121,473 | $1,202,000 |
| Black or African American | 833 | $18,517,000 | $16,000 | $440,000 | $57,444 | $400,000 |
| Not Provided | 292 | $6,111,000 | $13,400 | $510,000 | $61,000 | $1,142,000 |
| Hispanic | 286 | $15,374,000 | $20,857 | $560,000 | $59,714 | $180,000 |
| Asian | 64 | $7,294,000 | $35,833 | $496,000 | $64,833 | $240,000 |
| American Indian or Alaskan Native | 9 | $91,000 | $10,500 | $13,000 | $42,500 | $73,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $18,000 | $9,000 | $15,000 | $85,000 | $88,000 |
| 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 |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 2,654 | $106,171,000 | $117,842 | $660,000 | $124,263 | $1,202,000 |
| FHA-insured (Federal Housing Administration) | 2,115 | $25,547,000 | $12,916 | $320,000 | $60,333 | $300,000 |
| 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 | 1,850 | $62,938,000 | $80,466 | $589,000 | $154,800 | $1,202,000 |
| Application Denied By Financial Institution | 1,734 | $26,694,000 | $12,090 | $660,000 | $57,636 | $1,142,000 |
| Application Approved But Not Accepted | 665 | $7,527,000 | $13,700 | $51,000 | $69,100 | $230,000 |
| Application Withdrawn By Applicant | 520 | $34,559,000 | $106,875 | $540,000 | $97,437 | $375,000 |
| 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 | 1,128 | $14,588,000 | $11,272 | $250,000 | $59,454 | $1,142,000 |
| Debt-To-Income Ratio | 484 | $8,714,000 | $13,444 | $660,000 | $47,111 | $259,000 |
| Unverifiable Information | 47 | $515,000 | $10,857 | $20,000 | $58,714 | $211,000 |
| Collateral | 36 | $822,000 | $19,500 | $255,000 | $61,500 | $127,000 |
| Other | 22 | $1,613,000 | $46,500 | $417,000 | $63,500 | $138,000 |
| Credit Application Incomplete | 8 | $294,000 | $26,666 | $218,000 | $73,000 | $191,000 |
| Employment History | 8 | $138,000 | $11,000 | $58,000 | $53,250 | $108,000 |
| Mortgage Insurance Denied | 1 | $10,000 | $10,000 | $10,000 | $65,000 | $65,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into South Central Bank, National Association's 2005 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, National Association'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.