South Central Bank, National Association Mortgage Lending & HMDA Data, 2015
In 2015, South Central Bank, National Association of Chicago, IL reported 1,276 mortgage applications totaling $51.4 million, up 1% from 2014. The average application was for $40,278, and applicants reported an average income of $76,879. 31% of its applications resulted in an originated loan and 46% were denied. Its largest markets were Chicago-Naperville-Arlington Heights, IL (520), Milwaukee-Waukesha-West Allis, WI (126) and Pittsburgh, PA (76) (applications in parentheses).
| 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 | 1,276 |
| Total Mortgage Loan Application Amount | $51,396,000 |
| Average Mortgage Loan Application Amount | $40,278 |
| Highest Mortgage Loan Application Amount | $585,000 |
| Average Applicant Income | $76,879 |
| Highest Applicant Income | $2,160,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records South Central Bank, National Association filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Cook, Illinois | 458 | $ 26,297,000 | $ 57,417 | $ 78,000 |
| Milwaukee, Wisconsin | 80 | $ 1,459,000 | $ 18,237 | $ 60,000 |
| Will, Illinois | 34 | $ 3,488,000 | $ 102,588 | $ 79,000 |
| Allegheny, Pennsylvania | 34 | $ 577,000 | $ 16,970 | $ 66,000 |
| Summit, Ohio | 31 | $ 351,000 | $ 11,322 | $ 53,000 |
| Cuyahoga, Ohio | 29 | $ 336,000 | $ 11,586 | $ 62,000 |
| Waukesha, Wisconsin | 27 | $ 450,000 | $ 16,666 | $ 91,000 |
| Lake, Illinois | 24 | $ 4,568,000 | $ 190,333 | $ 162,000 |
| Lake, Indiana | 23 | $ 442,000 | $ 19,217 | $ 66,000 |
| Lorain, Ohio | 23 | $ 285,000 | $ 12,391 | $ 53,000 |
| Racine, Wisconsin | 21 | $ 372,000 | $ 17,714 | $ 62,000 |
| DuPage, Illinois | 20 | $ 956,000 | $ 47,800 | $ 115,000 |
| Stark, Ohio | 19 | $ 216,000 | $ 11,368 | $ 54,000 |
| Kenosha, Wisconsin | 18 | $ 304,000 | $ 16,888 | $ 73,000 |
| Jackson, Missouri | 16 | $ 354,000 | $ 22,125 | $ 90,000 |
| Johnson, Kansas | 15 | $ 377,000 | $ 25,133 | $ 91,000 |
| Washington, Pennsylvania | 14 | $ 254,000 | $ 18,142 | $ 63,000 |
| Dane, Wisconsin | 13 | $ 137,000 | $ 10,538 | $ 62,000 |
| Washington, Wisconsin | 12 | $ 194,000 | $ 16,166 | $ 68,000 |
| Polk, Iowa | 11 | $ 164,000 | $ 14,909 | $ 85,000 |
| Medina, Ohio | 11 | $ 109,000 | $ 9,909 | $ 46,000 |
| St. Joseph, Indiana | 10 | $ 157,000 | $ 15,700 | $ 52,000 |
| Wayne, Michigan | 10 | $ 185,000 | $ 18,500 | $ 88,000 |
| Portage, Ohio | 10 | $ 137,000 | $ 13,700 | $ 70,000 |
| Beaver, Pennsylvania | 10 | $ 123,000 | $ 12,300 | $ 39,000 |
| Westmoreland, Pennsylvania | 10 | $ 222,000 | $ 22,200 | $ 75,000 |
| Elkhart, Indiana | 9 | $ 146,000 | $ 16,222 | $ 65,000 |
| Marion, Indiana | 9 | $ 107,000 | $ 11,888 | $ 70,000 |
| Fond du Lac, Wisconsin | 9 | $ 172,000 | $ 19,111 | $ 61,000 |
| Kane, Illinois | 8 | $ 162,000 | $ 20,250 | $ 99,000 |
| LaPorte, Indiana | 7 | $ 1,108,000 | $ 158,285 | $ 209,000 |
| Dodge, Wisconsin | 7 | $ 136,000 | $ 19,428 | $ 81,000 |
| Jefferson, Wisconsin | 7 | $ 85,000 | $ 12,142 | $ 56,000 |
| Ozaukee, Wisconsin | 7 | $ 97,000 | $ 13,857 | $ 82,000 |
| Rock, Wisconsin | 7 | $ 104,000 | $ 14,857 | $ 54,000 |
| Winnebago, Illinois | 6 | $ 113,000 | $ 18,833 | $ 77,000 |
| Warren, Iowa | 6 | $ 88,000 | $ 14,666 | $ 82,000 |
| Platte, Missouri | 6 | $ 136,000 | $ 22,666 | $ 70,000 |
| Kosciusko, Indiana | 5 | $ 90,000 | $ 18,000 | $ 59,000 |
| Jefferson, Kentucky | 5 | $ 121,000 | $ 24,200 | $ 68,000 |
| Macon, Illinois | 4 | $ 68,000 | $ 17,000 | $ 50,000 |
| McHenry, Illinois | 4 | $ 65,000 | $ 16,250 | $ 130,000 |
| Allen, Indiana | 4 | $ 38,000 | $ 9,500 | $ 106,000 |
| Oakland, Michigan | 4 | $ 67,000 | $ 16,750 | $ 67,000 |
| Butler, Pennsylvania | 4 | $ 58,000 | $ 14,500 | $ 69,000 |
| Sheboygan, Wisconsin | 4 | $ 77,000 | $ 19,250 | $ 58,000 |
| Walworth, Wisconsin | 4 | $ 47,000 | $ 11,750 | $ 57,000 |
| Grundy, Illinois | 3 | $ 337,000 | $ 112,333 | $ 91,000 |
| St. Clair, Illinois | 3 | $ 37,000 | $ 12,333 | $ 52,000 |
| Fulton, Indiana | 3 | $ 125,000 | $ 41,666 | $ 45,000 |
| Porter, Indiana | 3 | $ 251,000 | $ 83,666 | $ 94,000 |
| Marion, Iowa | 3 | $ 51,000 | $ 17,000 | $ 86,000 |
| Miami, Kansas | 3 | $ 77,000 | $ 25,666 | $ 82,000 |
| Cass, Missouri | 3 | $ 79,000 | $ 26,333 | $ 45,000 |
| Franklin, Ohio | 3 | $ 73,000 | $ 24,333 | $ 69,000 |
| Hamilton, Ohio | 3 | $ 23,000 | $ 7,666 | $ 72,000 |
| Fayette, Pennsylvania | 3 | $ 50,000 | $ 16,666 | $ 39,000 |
| Kankakee, Illinois | 2 | $ 43,000 | $ 21,500 | $ 73,000 |
| Stephenson, Illinois | 2 | $ 26,000 | $ 13,000 | $ 26,000 |
| Delaware, Indiana | 2 | $ 35,000 | $ 17,500 | $ 110,000 |
| Hendricks, Indiana | 2 | $ 39,000 | $ 19,500 | $ 121,000 |
| Jasper, Indiana | 2 | $ 36,000 | $ 18,000 | $ 43,000 |
| Madison, Indiana | 2 | $ 12,000 | $ 6,000 | $ 36,000 |
| Marshall, Indiana | 2 | $ 36,000 | $ 18,000 | $ 34,000 |
| Wayne, Indiana | 2 | $ 10,000 | $ 5,000 | $ 11,000 |
| Dallas, Iowa | 2 | $ 42,000 | $ 21,000 | $ 90,000 |
| Jasper, Iowa | 2 | $ 48,000 | $ 24,000 | $ 114,000 |
| Marshall, Iowa | 2 | $ 35,000 | $ 17,500 | $ 88,000 |
| Douglas, Kansas | 2 | $ 63,000 | $ 31,500 | $ 84,000 |
| Baltimore, Maryland | 2 | $ 95,000 | $ 47,500 | $ 43,000 |
| Berrien, Michigan | 2 | $ 40,000 | $ 20,000 | $ 36,000 |
| Cass, Michigan | 2 | $ 41,000 | $ 20,500 | $ 89,000 |
| Kalamazoo, Michigan | 2 | $ 30,000 | $ 15,000 | $ 55,000 |
| Kent, Michigan | 2 | $ 28,000 | $ 14,000 | $ 71,000 |
| Livingston, Michigan | 2 | $ 41,000 | $ 20,500 | $ 69,000 |
| Macomb, Michigan | 2 | $ 42,000 | $ 21,000 | $ 106,000 |
| Hennepin, Minnesota | 2 | $ 55,000 | $ 27,500 | $ 90,000 |
| Clay, Missouri | 2 | $ 33,000 | $ 16,500 | $ 81,000 |
| Ray, Missouri | 2 | $ 56,000 | $ 28,000 | $ 95,000 |
| Butler, Ohio | 2 | $ 54,000 | $ 27,000 | $ 87,000 |
| Mahoning, Ohio | 2 | $ 14,000 | $ 7,000 | $ 34,000 |
| York, Pennsylvania | 2 | $ 64,000 | $ 32,000 | $ 106,000 |
| Winnebago, Wisconsin | 2 | $ 10,000 | $ 5,000 | $ 58,000 |
| Maricopa, Arizona | 1 | $ 385,000 | $ 385,000 | $ 91,000 |
| Contra Costa, California | 1 | $ 188,000 | $ 188,000 | $ 87,000 |
| Santa Cruz, California | 1 | $ 325,000 | $ 325,000 | $ 104,000 |
| Larimer, Colorado | 1 | $ 277,000 | $ 277,000 | $ 178,000 |
| Broward, Florida | 1 | $ 135,000 | $ 135,000 | $ 174,000 |
| Volusia, Florida | 1 | $ 99,000 | $ 99,000 | $ 26,000 |
| Clayton, Georgia | 1 | $ 5,000 | $ 5,000 | $ 51,000 |
| Boone, Illinois | 1 | $ 4,000 | $ 4,000 | $ 17,000 |
| Champaign, Illinois | 1 | $ 6,000 | $ 6,000 | $ 123,000 |
| Coles, Illinois | 1 | $ 15,000 | $ 15,000 | $ 30,000 |
| DeKalb, Illinois | 1 | $ 175,000 | $ 175,000 | $ 441,000 |
| Ford, Illinois | 1 | $ 7,000 | $ 7,000 | $ 34,000 |
| Greene, Illinois | 1 | $ 15,000 | $ 15,000 | $ 58,000 |
| Hamilton, Illinois | 1 | $ 7,000 | $ 7,000 | $ 13,000 |
| Iroquois, Illinois | 1 | $ 15,000 | $ 15,000 | $ 30,000 |
| Kendall, Illinois | 1 | $ 25,000 | $ 25,000 | $ 216,000 |
| Peoria, Illinois | 1 | $ 6,000 | $ 6,000 | $ 66,000 |
| Pope, Illinois | 1 | $ 6,000 | $ 6,000 | $ 55,000 |
| Rock Island, Illinois | 1 | $ 20,000 | $ 20,000 | $ 42,000 |
| Vermilion, Illinois | 1 | $ 15,000 | $ 15,000 | $ 33,000 |
| Blackford, Indiana | 1 | $ 21,000 | $ 21,000 | $ 41,000 |
| Boone, Indiana | 1 | $ 10,000 | $ 10,000 | $ 29,000 |
| Clark, Indiana | 1 | $ 6,000 | $ 6,000 | $ 83,000 |
| Greene, Indiana | 1 | $ 4,000 | $ 4,000 | $ 74,000 |
| Hamilton, Indiana | 1 | $ 40,000 | $ 40,000 | $ 72,000 |
| Henry, Indiana | 1 | $ 25,000 | $ 25,000 | $ 43,000 |
| Johnson, Indiana | 1 | $ 30,000 | $ 30,000 | $ 210,000 |
| Monroe, Indiana | 1 | $ 5,000 | $ 5,000 | $ 29,000 |
| Perry, Indiana | 1 | $ 4,000 | $ 4,000 | $ 28,000 |
| Posey, Indiana | 1 | $ 20,000 | $ 20,000 | $ 51,000 |
| Pulaski, Indiana | 1 | $ 5,000 | $ 5,000 | $ 51,000 |
| Starke, Indiana | 1 | $ 12,000 | $ 12,000 | $ 42,000 |
| Sullivan, Indiana | 1 | $ 4,000 | $ 4,000 | $ 18,000 |
| Tippecanoe, Indiana | 1 | $ 10,000 | $ 10,000 | $ 73,000 |
| Vanderburgh, Indiana | 1 | $ 7,000 | $ 7,000 | $ 116,000 |
| Vigo, Indiana | 1 | $ 8,000 | $ 8,000 | $ 54,000 |
| Warrick, Indiana | 1 | $ 50,000 | $ 50,000 | $ 74,000 |
| White, Indiana | 1 | $ 19,000 | $ 19,000 | $ 62,000 |
| Clarke, Iowa | 1 | $ 19,000 | $ 19,000 | $ 128,000 |
| Decatur, Iowa | 1 | $ 23,000 | $ 23,000 | $ 56,000 |
| Hamilton, Iowa | 1 | $ 20,000 | $ 20,000 | $ 105,000 |
| Linn, Iowa | 1 | $ 27,000 | $ 27,000 | $ 104,000 |
| Lucas, Iowa | 1 | $ 16,000 | $ 16,000 | $ 32,000 |
| Story, Iowa | 1 | $ 23,000 | $ 23,000 | $ 72,000 |
| Clay, Kansas | 1 | $ 25,000 | $ 25,000 | $ 59,000 |
| Franklin, Kansas | 1 | $ 25,000 | $ 25,000 | $ 62,000 |
| Leavenworth, Kansas | 1 | $ 10,000 | $ 10,000 | $ 49,000 |
| Ness, Kansas | 1 | $ 25,000 | $ 25,000 | $ 100,000 |
| Sedgwick, Kansas | 1 | $ 18,000 | $ 18,000 | $ 34,000 |
| Calhoun, Michigan | 1 | $ 15,000 | $ 15,000 | $ 35,000 |
| Eaton, Michigan | 1 | $ 7,000 | $ 7,000 | $ 70,000 |
| Jackson, Michigan | 1 | $ 14,000 | $ 14,000 | $ 81,000 |
| St. Clair, Michigan | 1 | $ 24,000 | $ 24,000 | $ 68,000 |
| St. Joseph, Michigan | 1 | $ 13,000 | $ 13,000 | $ 36,000 |
| Dakota, Minnesota | 1 | $ 15,000 | $ 15,000 | $ 235,000 |
| Clinton, Missouri | 1 | $ 25,000 | $ 25,000 | $ 65,000 |
| Johnson, Missouri | 1 | $ 30,000 | $ 30,000 | $ 86,000 |
| Lafayette, Missouri | 1 | $ 25,000 | $ 25,000 | $ 81,000 |
| Randolph, Missouri | 1 | $ 25,000 | $ 25,000 | $ 51,000 |
| Clark, Nevada | 1 | $ 242,000 | $ 242,000 | $ 65,000 |
| Union, New Jersey | 1 | $ 408,000 | $ 408,000 | $ 129,000 |
| Delaware, Ohio | 1 | $ 6,000 | $ 6,000 | $ 53,000 |
| Jefferson, Ohio | 1 | $ 20,000 | $ 20,000 | $ 105,000 |
| Lake, Ohio | 1 | $ 22,000 | $ 22,000 | $ 125,000 |
| Licking, Ohio | 1 | $ 32,000 | $ 32,000 | $ 82,000 |
| Logan, Ohio | 1 | $ 17,000 | $ 17,000 | $ 50,000 |
| Lucas, Ohio | 1 | $ 14,000 | $ 14,000 | $ 73,000 |
| Trumbull, Ohio | 1 | $ 6,000 | $ 6,000 | $ 27,000 |
| Wayne, Ohio | 1 | $ 7,000 | $ 7,000 | $ 17,000 |
| Armstrong, Pennsylvania | 1 | $ 25,000 | $ 25,000 | $ 54,000 |
| Cambria, Pennsylvania | 1 | $ 30,000 | $ 30,000 | $ 143,000 |
| Chester, Pennsylvania | 1 | $ 30,000 | $ 30,000 | $ 130,000 |
| Greene, Pennsylvania | 1 | $ 19,000 | $ 19,000 | $ 31,000 |
| Monroe, Pennsylvania | 1 | $ 36,000 | $ 36,000 | $ 132,000 |
| Douglas, Wisconsin | 1 | $ 50,000 | $ 50,000 | $ 2,160,000 |
| Eau Claire, Wisconsin | 1 | $ 8,000 | $ 8,000 | $ 132,000 |
| Green, Wisconsin | 1 | $ 4,000 | $ 4,000 | $ 49,000 |
| Juneau, Wisconsin | 1 | $ 7,000 | $ 7,000 | $ 34,000 |
| La Crosse, Wisconsin | 1 | $ 20,000 | $ 20,000 | $ 45,000 |
| Marathon, Wisconsin | 1 | $ 10,000 | $ 10,000 | $ 28,000 |
| Pierce, Wisconsin | 1 | $ 20,000 | $ 20,000 | $ 98,000 |
| Portage, Wisconsin | 1 | $ 10,000 | $ 10,000 | $ 25,000 |
| Waupaca, Wisconsin | 1 | $ 23,000 | $ 23,000 | $ 25,000 |
| Wood, Wisconsin | 1 | $ 21,000 | $ 21,000 | $ 94,000 |
Mortgage Loan Application Detail Totals for South Central Bank, National Association in 2015
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 | 1,138 | $18,302,000 | $16,000 | $100,000 | $72,000 | $2,160,000 |
| Refinancing | 86 | $21,145,000 | $245,000 | $534,000 | $119,000 | $565,000 |
| Home Purchase | 52 | $11,949,000 | $229,000 | $585,000 | $114,000 | $595,000 |
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 | 835 | $38,156,000 | $45,000 | $585,000 | $81,000 | $2,160,000 |
| Black or African American | 289 | $5,404,000 | $18,000 | $393,000 | $67,000 | $1,320,000 |
| Hispanic | 119 | $4,373,000 | $36,000 | $392,000 | $77,000 | $358,000 |
| Asian | 24 | $3,282,000 | $136,000 | $417,000 | $71,000 | $223,000 |
| Native Hawaiian or Other Pacific Islander | 6 | $125,000 | $20,000 | $40,000 | $46,000 | $88,000 |
| American Indian or Alaskan Native | 3 | $56,000 | $18,000 | $22,000 | $54,000 | $70,000 |
| Not applicable | 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) | 866 | $42,977,000 | $49,000 | $585,000 | $82,000 | $2,160,000 |
| FHA-insured (Federal Housing Administration) | 409 | $8,188,000 | $20,000 | $393,000 | $66,000 | $245,000 |
| VA-guaranteed (Veterans Administration) | 1 | $231,000 | $231,000 | $231,000 | $70,000 | $70,000 |
| 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 |
|---|---|---|---|---|---|---|
| Application Denied By Financial Institution | 589 | $12,703,000 | $21,000 | $368,000 | $70,000 | $2,160,000 |
| Loan Originated | 390 | $25,468,000 | $65,000 | $585,000 | $90,000 | $595,000 |
| File Closed For Incompleteness | 169 | $3,297,000 | $19,000 | $417,000 | $70,000 | $265,000 |
| Application Approved But Not Accepted | 78 | $7,901,000 | $101,000 | $534,000 | $77,000 | $328,000 |
| Application Withdrawn By Applicant | 50 | $2,027,000 | $40,000 | $507,000 | $83,000 | $358,000 |
| 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 | 491 | $8,082,000 | $16,000 | $332,000 | $66,000 | $1,320,000 |
| Debt-To-Income Ratio | 86 | $2,799,000 | $32,000 | $341,000 | $66,000 | $441,000 |
| Other | 6 | $476,000 | $79,000 | $319,000 | $420,000 | $2,160,000 |
| Collateral | 5 | $978,000 | $195,000 | $297,000 | $102,000 | $153,000 |
| Employment History | 1 | $368,000 | $368,000 | $368,000 | $78,000 | $78,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into South Central Bank, National Association's 2015 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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