South Central Bank, National Association
HMDA Loan Application Totals
and Mortgage Lending Details
for 2007
South Central Bank, National Association 2007 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 | 4,987 |
| Total Mortgage Loan Application Amount | $120,748,000 |
| Average Mortgage Loan Application Amount | $149,666 |
| Highest Mortgage Loan Application Amount | $876,000 |
| Average Applicant Income | $76,000 |
| Highest Applicant Income | $555,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2007 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 2007 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 2007.
| 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 | 1,033 | $ 64,273,000 | $ 62,000 | $ 65,000 |
| Cuyahoga County Ohio | 584 | $ 6,306,000 | $ 10,000 | $ 63,000 |
| Summit County Ohio | 225 | $ 2,331,000 | $ 10,000 | $ 63,000 |
| Stark County Ohio | 160 | $ 1,737,000 | $ 10,000 | $ 55,000 |
| Lorain County Ohio | 146 | $ 1,645,000 | $ 11,000 | $ 69,000 |
| Milwaukee County Wisconsin | 146 | $ 2,388,000 | $ 16,000 | $ 58,000 |
| Mahoning County Ohio | 126 | $ 1,259,000 | $ 9,000 | $ 43,000 |
| Lake County Indiana | 115 | $ 1,724,000 | $ 14,000 | $ 57,000 |
| Lake County Ohio | 97 | $ 1,198,000 | $ 12,000 | $ 70,000 |
| Hamilton County Ohio | 87 | $ 1,140,000 | $ 13,000 | $ 57,000 |
| Trumbull County Ohio | 81 | $ 933,000 | $ 11,000 | $ 52,000 |
| Wayne County Michigan | 77 | $ 950,000 | $ 12,000 | $ 54,000 |
| Lucas County Ohio | 75 | $ 767,000 | $ 10,000 | $ 50,000 |
| Franklin County Ohio | 69 | $ 661,000 | $ 9,000 | $ 66,000 |
| Allegheny County Pennsylvania | 68 | $ 689,000 | $ 10,000 | $ 66,000 |
| Medina County Ohio | 67 | $ 931,000 | $ 13,000 | $ 80,000 |
| Portage County Ohio | 59 | $ 688,000 | $ 11,000 | $ 62,000 |
| Oakland County Michigan | 57 | $ 645,000 | $ 11,000 | $ 75,000 |
| Macomb County Michigan | 49 | $ 584,000 | $ 11,000 | $ 59,000 |
| DuPage County Illinois | 48 | $ 1,587,000 | $ 33,000 | $ 78,000 |
| Will County Illinois | 48 | $ 3,573,000 | $ 74,000 | $ 74,000 |
| Montgomery County Ohio | 48 | $ 552,000 | $ 11,000 | $ 55,000 |
| Kent County Michigan | 39 | $ 411,000 | $ 10,000 | $ 59,000 |
| Racine County Wisconsin | 35 | $ 570,000 | $ 16,000 | $ 61,000 |
| Ashtabula County Ohio | 34 | $ 353,000 | $ 10,000 | $ 49,000 |
| Wayne County Ohio | 34 | $ 495,000 | $ 14,000 | $ 57,000 |
| Waukesha County Wisconsin | 34 | $ 557,000 | $ 16,000 | $ 68,000 |
| Kenosha County Wisconsin | 32 | $ 687,000 | $ 21,000 | $ 51,000 |
| St. Joseph County Indiana | 31 | $ 417,000 | $ 13,000 | $ 47,000 |
| Richland County Ohio | 31 | $ 318,000 | $ 10,000 | $ 46,000 |
| Berrien County Michigan | 29 | $ 406,000 | $ 14,000 | $ 53,000 |
| Columbiana County Ohio | 29 | $ 316,000 | $ 10,000 | $ 56,000 |
| Geauga County Ohio | 28 | $ 432,000 | $ 15,000 | $ 93,000 |
| Lake County Illinois | 26 | $ 2,186,000 | $ 84,000 | $ 95,000 |
| Lenawee County Michigan | 25 | $ 304,000 | $ 12,000 | $ 65,000 |
| Erie County Ohio | 25 | $ 252,000 | $ 10,000 | $ 56,000 |
| Elkhart County Indiana | 24 | $ 339,000 | $ 14,000 | $ 58,000 |
| Monroe County Michigan | 24 | $ 254,000 | $ 10,000 | $ 50,000 |
| St. Louis County Missouri | 23 | $ 263,000 | $ 11,000 | $ 45,000 |
| Butler County Pennsylvania | 23 | $ 250,000 | $ 10,000 | $ 58,000 |
| Porter County Indiana | 22 | $ 279,000 | $ 12,000 | $ 63,000 |
| Mercer County Pennsylvania | 22 | $ 213,000 | $ 9,000 | $ 58,000 |
| Huron County Ohio | 21 | $ 226,000 | $ 10,000 | $ 61,000 |
| Sandusky County Ohio | 21 | $ 209,000 | $ 9,000 | $ 53,000 |
| Seneca County Ohio | 21 | $ 205,000 | $ 9,000 | $ 52,000 |
| Lawrence County Pennsylvania | 21 | $ 195,000 | $ 9,000 | $ 49,000 |
| Ingham County Michigan | 20 | $ 201,000 | $ 10,000 | $ 56,000 |
| Saginaw County Michigan | 20 | $ 237,000 | $ 11,000 | $ 76,000 |
| Fulton County Ohio | 19 | $ 212,000 | $ 11,000 | $ 53,000 |
| Hancock County Ohio | 19 | $ 201,000 | $ 10,000 | $ 47,000 |
| Wood County Ohio | 19 | $ 215,000 | $ 11,000 | $ 58,000 |
| Westmoreland County Pennsylvania | 18 | $ 211,000 | $ 11,000 | $ 55,000 |
| Ashland County Ohio | 17 | $ 170,000 | $ 10,000 | $ 53,000 |
| Clark County Ohio | 17 | $ 190,000 | $ 11,000 | $ 56,000 |
| Ottawa County Ohio | 16 | $ 164,000 | $ 10,000 | $ 54,000 |
| Butler County Ohio | 15 | $ 190,000 | $ 12,000 | $ 55,000 |
| Allen County Indiana | 14 | $ 221,000 | $ 15,000 | $ 45,000 |
| Crawford County Ohio | 14 | $ 171,000 | $ 12,000 | $ 42,000 |
| Fond du Lac County Wisconsin | 14 | $ 227,000 | $ 16,000 | $ 41,000 |
| Washington County Wisconsin | 14 | $ 245,000 | $ 17,000 | $ 73,000 |
| Kane County Illinois | 13 | $ 184,000 | $ 14,000 | $ 76,000 |
| Kosciusko County Indiana | 13 | $ 199,000 | $ 15,000 | $ 68,000 |
| Kenton County Kentucky | 13 | $ 163,000 | $ 12,000 | $ 58,000 |
| Bay County Michigan | 13 | $ 149,000 | $ 11,000 | $ 60,000 |
| Fairfield County Ohio | 12 | $ 139,000 | $ 11,000 | $ 75,000 |
| Beaver County Pennsylvania | 12 | $ 119,000 | $ 9,000 | $ 55,000 |
| Gwinnett County Georgia | 11 | $ 131,000 | $ 11,000 | $ 80,000 |
| Genesee County Michigan | 11 | $ 121,000 | $ 11,000 | $ 67,000 |
| Ottawa County Michigan | 11 | $ 121,000 | $ 11,000 | $ 65,000 |
| St. Joseph County Michigan | 11 | $ 140,000 | $ 12,000 | $ 52,000 |
| Warren County Ohio | 11 | $ 141,000 | $ 12,000 | $ 59,000 |
| Cobb County Georgia | 10 | $ 125,000 | $ 12,000 | $ 53,000 |
| Washtenaw County Michigan | 10 | $ 115,000 | $ 11,000 | $ 75,000 |
| Eaton County Michigan | 9 | $ 85,000 | $ 9,000 | $ 63,000 |
| Delaware County Ohio | 9 | $ 95,000 | $ 10,000 | $ 75,000 |
| Greene County Ohio | 9 | $ 80,000 | $ 8,000 | $ 66,000 |
| Licking County Ohio | 9 | $ 82,000 | $ 9,000 | $ 60,000 |
| Jefferson County Wisconsin | 9 | $ 137,000 | $ 15,000 | $ 97,000 |
| Fulton County Georgia | 8 | $ 79,000 | $ 9,000 | $ 51,000 |
| McHenry County Illinois | 8 | $ 571,000 | $ 71,000 | $ 83,000 |
| Allegan County Michigan | 8 | $ 87,000 | $ 10,000 | $ 56,000 |
| Kalamazoo County Michigan | 8 | $ 125,000 | $ 15,000 | $ 65,000 |
| Clermont County Ohio | 8 | $ 114,000 | $ 14,000 | $ 97,000 |
| Henry County Ohio | 8 | $ 85,000 | $ 10,000 | $ 71,000 |
| Boone County Kentucky | 7 | $ 76,000 | $ 10,000 | $ 56,000 |
| Muskegon County Michigan | 7 | $ 82,000 | $ 11,000 | $ 64,000 |
| Marion County Ohio | 7 | $ 73,000 | $ 10,000 | $ 58,000 |
| Union County Ohio | 7 | $ 79,000 | $ 11,000 | $ 67,000 |
| Williams County Ohio | 7 | $ 79,000 | $ 11,000 | $ 44,000 |
| Wyandot County Ohio | 7 | $ 97,000 | $ 13,000 | $ 67,000 |
| Erie County Pennsylvania | 7 | $ 82,000 | $ 11,000 | $ 60,000 |
| Ozaukee County Wisconsin | 7 | $ 124,000 | $ 17,000 | $ 61,000 |
| DeKalb County Georgia | 6 | $ 75,000 | $ 12,000 | $ 42,000 |
| LaPorte County Indiana | 6 | $ 96,000 | $ 16,000 | $ 58,000 |
| Pulaski County Indiana | 6 | $ 95,000 | $ 15,000 | $ 43,000 |
| Montcalm County Michigan | 6 | $ 77,000 | $ 12,000 | $ 35,000 |
| St. Clair County Michigan | 6 | $ 88,000 | $ 14,000 | $ 51,000 |
| Logan County Ohio | 6 | $ 54,000 | $ 9,000 | $ 152,000 |
| Muskingum County Ohio | 6 | $ 56,000 | $ 9,000 | $ 47,000 |
| Tuscarawas County Ohio | 6 | $ 74,000 | $ 12,000 | $ 58,000 |
| Dodge County Wisconsin | 6 | $ 97,000 | $ 16,000 | $ 53,000 |
| Sheboygan County Wisconsin | 6 | $ 85,000 | $ 14,000 | $ 42,000 |
| LaSalle County Illinois | 5 | $ 116,000 | $ 23,000 | $ 46,000 |
| St. Clair County Illinois | 5 | $ 50,000 | $ 10,000 | $ 71,000 |
| Fulton County Indiana | 5 | $ 58,000 | $ 11,000 | $ 55,000 |
| Marshall County Indiana | 5 | $ 81,000 | $ 16,000 | $ 42,000 |
| Calhoun County Michigan | 5 | $ 68,000 | $ 13,000 | $ 74,000 |
| Clinton County Michigan | 5 | $ 59,000 | $ 11,000 | $ 57,000 |
| Livingston County Michigan | 5 | $ 55,000 | $ 11,000 | $ 52,000 |
| Carroll County Ohio | 5 | $ 65,000 | $ 13,000 | $ 60,000 |
| Preble County Ohio | 5 | $ 54,000 | $ 10,000 | $ 44,000 |
| Putnam County Ohio | 5 | $ 58,000 | $ 11,000 | $ 60,000 |
| Walworth County Wisconsin | 5 | $ 69,000 | $ 13,000 | $ 70,000 |
| Champaign County Illinois | 4 | $ 126,000 | $ 31,000 | $ 52,000 |
| Grundy County Illinois | 4 | $ 375,000 | $ 93,000 | $ 95,000 |
| Kankakee County Illinois | 4 | $ 62,000 | $ 15,000 | $ 55,000 |
| Cass County Michigan | 4 | $ 53,000 | $ 13,000 | $ 35,000 |
| Ionia County Michigan | 4 | $ 50,000 | $ 12,000 | $ 59,000 |
| Van Buren County Michigan | 4 | $ 209,000 | $ 52,000 | $ 69,000 |
| Jefferson County Missouri | 4 | $ 45,000 | $ 11,000 | $ 77,000 |
| St. Louis City County Missouri | 4 | $ 47,000 | $ 11,000 | $ 52,000 |
| Champaign County Ohio | 4 | $ 46,000 | $ 11,000 | $ 71,000 |
| Darke County Ohio | 4 | $ 53,000 | $ 13,000 | $ 41,000 |
| Holmes County Ohio | 4 | $ 41,000 | $ 10,000 | $ 60,000 |
| Miami County Ohio | 4 | $ 31,000 | $ 7,000 | $ 40,000 |
| Morrow County Ohio | 4 | $ 46,000 | $ 11,000 | $ 80,000 |
| Pickaway County Ohio | 4 | $ 39,000 | $ 9,000 | $ 50,000 |
| Ross County Ohio | 4 | $ 46,000 | $ 11,000 | $ 72,000 |
| Washington County Pennsylvania | 4 | $ 42,000 | $ 10,000 | $ 52,000 |
| Douglas County Georgia | 3 | $ 27,000 | $ 9,000 | $ 44,000 |
| Fayette County Georgia | 3 | $ 31,000 | $ 10,000 | $ 48,000 |
| Boone County Illinois | 3 | $ 56,000 | $ 18,000 | $ 69,000 |
| DeKalb County Illinois | 3 | $ 79,000 | $ 26,000 | $ 52,000 |
| Vermilion County Illinois | 3 | $ 22,000 | $ 7,000 | $ 40,000 |
| Starke County Indiana | 3 | $ 46,000 | $ 15,000 | $ 37,000 |
| Arenac County Michigan | 3 | $ 40,000 | $ 13,000 | $ 41,000 |
| Barry County Michigan | 3 | $ 30,000 | $ 10,000 | $ 30,000 |
| Gratiot County Michigan | 3 | $ 31,000 | $ 10,000 | $ 40,000 |
| Jackson County Michigan | 3 | $ 40,000 | $ 13,000 | $ 53,000 |
| Midland County Michigan | 3 | $ 30,000 | $ 10,000 | $ 49,000 |
| Shiawassee County Michigan | 3 | $ 25,000 | $ 8,000 | $ 40,000 |
| St. Charles County Missouri | 3 | $ 19,000 | $ 6,000 | $ 39,000 |
| Allen County Ohio | 3 | $ 26,000 | $ 8,000 | $ 74,000 |
| Defiance County Ohio | 3 | $ 33,000 | $ 11,000 | $ 32,000 |
| Knox County Ohio | 3 | $ 27,000 | $ 9,000 | $ 48,000 |
| Shelby County Ohio | 3 | $ 41,000 | $ 13,000 | $ 78,000 |
| Fayette County Pennsylvania | 3 | $ 40,000 | $ 13,000 | $ 65,000 |
| Barrow County Georgia | 2 | $ 30,000 | $ 15,000 | $ 23,000 |
| Bartow County Georgia | 2 | $ 21,000 | $ 10,000 | $ 40,000 |
| Cherokee County Georgia | 2 | $ 20,000 | $ 10,000 | $ 62,000 |
| Clayton County Georgia | 2 | $ 15,000 | $ 7,000 | $ 38,000 |
| Rockdale County Georgia | 2 | $ 21,000 | $ 10,000 | $ 68,000 |
| Adams County Illinois | 2 | $ 10,000 | $ 5,000 | $ 34,000 |
| Madison County Illinois | 2 | $ 16,000 | $ 8,000 | $ 60,000 |
| Campbell County Kentucky | 2 | $ 27,000 | $ 13,000 | $ 39,000 |
| Lapeer County Michigan | 2 | $ 19,000 | $ 9,000 | $ 35,000 |
| Newaygo County Michigan | 2 | $ 20,000 | $ 10,000 | $ 81,000 |
| Oceana County Michigan | 2 | $ 22,000 | $ 11,000 | $ 68,000 |
| Tuscola County Michigan | 2 | $ 13,000 | $ 6,000 | $ 63,000 |
| Franklin County Missouri | 2 | $ 17,000 | $ 8,000 | $ 37,000 |
| Lincoln County Missouri | 2 | $ 25,000 | $ 12,000 | $ 26,000 |
| Coshocton County Ohio | 2 | $ 24,000 | $ 12,000 | $ 49,000 |
| Hardin County Ohio | 2 | $ 23,000 | $ 11,000 | $ 68,000 |
| Harrison County Ohio | 2 | $ 29,000 | $ 14,000 | $ 58,000 |
| Armstrong County Pennsylvania | 2 | $ 18,000 | $ 9,000 | $ 43,000 |
| San Diego County California | 1 | $ 256,000 | $ 256,000 | $ 55,000 |
| Summit County Colorado | 1 | $ 410,000 | $ 410,000 | $ 223,000 |
| Carroll County Georgia | 1 | $ 12,000 | $ 12,000 | $ 45,000 |
| Forsyth County Georgia | 1 | $ 11,000 | $ 11,000 | $ 21,000 |
| Hall County Georgia | 1 | $ 13,000 | $ 13,000 | $ 48,000 |
| Henry County Georgia | 1 | $ 13,000 | $ 13,000 | $ 42,000 |
| Newton County Georgia | 1 | $ 14,000 | $ 14,000 | $ 54,000 |
| Paulding County Georgia | 1 | $ 10,000 | $ 10,000 | $ 57,000 |
| Brown County Illinois | 1 | $ 4,000 | $ 4,000 | $ 27,000 |
| Bureau County Illinois | 1 | $ 20,000 | $ 20,000 | $ 20,000 |
| Christian County Illinois | 1 | $ 12,000 | $ 12,000 | $ 89,000 |
| Coles County Illinois | 1 | $ 17,000 | $ 17,000 | $ 26,000 |
| Fulton County Illinois | 1 | $ 8,000 | $ 8,000 | $ 44,000 |
| Iroquois County Illinois | 1 | $ 25,000 | $ 25,000 | $ 36,000 |
| Kendall County Illinois | 1 | $ 34,000 | $ 34,000 | $ 88,000 |
| Lee County Illinois | 1 | $ 17,000 | $ 17,000 | $ 53,000 |
| Livingston County Illinois | 1 | $ 176,000 | $ 176,000 | $ 0 |
| McDonough County Illinois | 1 | $ 15,000 | $ 15,000 | $ 74,000 |
| Monroe County Illinois | 1 | $ 4,000 | $ 4,000 | $ 32,000 |
| Ogle County Illinois | 1 | $ 12,000 | $ 12,000 | $ 46,000 |
| Pope County Illinois | 1 | $ 73,000 | $ 73,000 | $ 34,000 |
| Whiteside County Illinois | 1 | $ 11,000 | $ 11,000 | $ 52,000 |
| Benton County Indiana | 1 | $ 12,000 | $ 12,000 | $ 49,000 |
| Dearborn County Indiana | 1 | $ 12,000 | $ 12,000 | $ 70,000 |
| Franklin County Indiana | 1 | $ 18,000 | $ 18,000 | $ 119,000 |
| LaGrange County Indiana | 1 | $ 14,000 | $ 14,000 | $ 31,000 |
| Wells County Indiana | 1 | $ 16,000 | $ 16,000 | $ 32,000 |
| Whitley County Indiana | 1 | $ 4,000 | $ 4,000 | $ 44,000 |
| Lee County Iowa | 1 | $ 10,000 | $ 10,000 | $ 43,000 |
| Grant County Kentucky | 1 | $ 14,000 | $ 14,000 | $ 85,000 |
| Emmet County Michigan | 1 | $ 9,000 | $ 9,000 | $ 168,000 |
| Huron County Michigan | 1 | $ 8,000 | $ 8,000 | $ 40,000 |
| Iosco County Michigan | 1 | $ 13,000 | $ 13,000 | $ 43,000 |
| Isabella County Michigan | 1 | $ 11,000 | $ 11,000 | $ 48,000 |
| Manistee County Michigan | 1 | $ 15,000 | $ 15,000 | $ 32,000 |
| Mason County Michigan | 1 | $ 9,000 | $ 9,000 | $ 41,000 |
| Mecosta County Michigan | 1 | $ 8,000 | $ 8,000 | $ 31,000 |
| Madison County Montana | 1 | $ 617,000 | $ 617,000 | $ 250,000 |
| Athens County Ohio | 1 | $ 10,000 | $ 10,000 | $ 56,000 |
| Brown County Ohio | 1 | $ 17,000 | $ 17,000 | $ 84,000 |
| Clinton County Ohio | 1 | $ 14,000 | $ 14,000 | $ 62,000 |
| Highland County Ohio | 1 | $ 8,000 | $ 8,000 | $ 103,000 |
| Jefferson County Ohio | 1 | $ 7,000 | $ 7,000 | $ 28,000 |
| Madison County Ohio | 1 | $ 15,000 | $ 15,000 | $ 77,000 |
| Paulding County Ohio | 1 | $ 14,000 | $ 14,000 | $ 50,000 |
| Perry County Ohio | 1 | $ 9,000 | $ 9,000 | $ 60,000 |
| Chester County Pennsylvania | 1 | $ 4,000 | $ 4,000 | $ 52,000 |
| Clarion County Pennsylvania | 1 | $ 14,000 | $ 14,000 | $ 61,000 |
| Crawford County Pennsylvania | 1 | $ 5,000 | $ 5,000 | $ 58,000 |
| Forest County Pennsylvania | 1 | $ 8,000 | $ 8,000 | $ 64,000 |
| Greene County Pennsylvania | 1 | $ 10,000 | $ 10,000 | $ 0 |
| Indiana County Pennsylvania | 1 | $ 10,000 | $ 10,000 | $ 83,000 |
| Monroe County Pennsylvania | 1 | $ 37,000 | $ 37,000 | $ 65,000 |
| Venango County Pennsylvania | 1 | $ 11,000 | $ 11,000 | $ 70,000 |
| Liberty County Texas | 1 | $ 159,000 | $ 159,000 | $ 93,000 |
| Dane County Wisconsin | 1 | $ 11,000 | $ 11,000 | $ 104,000 |
| Rock County Wisconsin | 1 | $ 13,000 | $ 13,000 | $ 38,000 |
Mortgage Loan Application Detail Totals for South Central Bank, National Association in 2007
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 | 4,687 | $55,087,000 | $11,000 | $200,000 | $60,000 | $555,000 |
| Home Purchase | 155 | $30,514,000 | $196,000 | $876,000 | $85,000 | $457,000 |
| Refinancing | 145 | $35,147,000 | $242,000 | $863,000 | $83,000 | $462,000 |
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 | 3,603 | $76,881,000 | $21,000 | $876,000 | $64,000 | $555,000 |
| Black or African American | 954 | $21,474,000 | $22,000 | $460,000 | $55,000 | $447,000 |
| Hispanic | 362 | $19,040,000 | $52,000 | $700,000 | $56,000 | $250,000 |
| Asian | 39 | $2,164,000 | $55,000 | $249,000 | $68,000 | $184,000 |
| American Indian or Alaskan Native | 16 | $647,000 | $40,000 | $417,000 | $88,000 | $367,000 |
| Not Provided | 10 | $112,000 | $11,000 | $22,000 | $52,000 | $122,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $430,000 | $143,000 | $410,000 | $100,000 | $223,000 |
| 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) | 3,675 | $99,987,000 | $27,000 | $876,000 | $64,000 | $497,000 |
| FHA-insured (Federal Housing Administration) | 1,312 | $20,761,000 | $15,000 | $296,000 | $54,000 | $555,000 |
| 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 | 1,949 | $60,382,000 | $30,000 | $876,000 | $70,000 | $497,000 |
| Application Denied By Financial Institution | 1,210 | $18,934,000 | $15,000 | $863,000 | $53,000 | $462,000 |
| Application Withdrawn By Applicant | 949 | $16,770,000 | $17,000 | $600,000 | $54,000 | $555,000 |
| Application Approved But Not Accepted | 857 | $23,018,000 | $26,000 | $530,000 | $64,000 | $367,000 |
| File Closed For Incompleteness | 16 | $715,000 | $44,000 | $284,000 | $48,000 | $97,000 |
| Preapproval Denied by Financial Institution | 6 | $929,000 | $154,000 | $228,000 | $78,000 | $212,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 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 | 921 | $13,030,000 | $14,000 | $863,000 | $55,000 | $462,000 |
| Debt-To-Income Ratio | 271 | $5,690,000 | $20,000 | $277,000 | $48,000 | $202,000 |
| Unverifiable Information | 10 | $117,000 | $11,000 | $20,000 | $53,000 | $102,000 |
| Other | 5 | $490,000 | $98,000 | $280,000 | $65,000 | $147,000 |
| Collateral | 5 | $499,000 | $99,000 | $440,000 | $30,000 | $68,000 |
| Employment History | 2 | $16,000 | $8,000 | $11,000 | $23,000 | $29,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $4,000 | $4,000 | $4,000 | $62,000 | $62,000 |
| Mortgage Insurance Denied | 1 | $17,000 | $17,000 | $17,000 | $28,000 | $28,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into South Central Bank, National Association's 2007 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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