South Central Bank, National Association Mortgage Lending & HMDA Data, 2011
In 2011, South Central Bank, National Association of Chicago, IL reported 2,483 mortgage applications totaling $86.6 million, down 35% from 2010. The average application was for $34,866, and applicants reported an average income of $74,962. 28% of its applications resulted in an originated loan and 36% were denied. Its largest markets were Chicago-Joliet-Naperville, IL (546), Milwaukee-Waukesha-West Allis, WI (156) and Cincinnati-Middletown, OH-KY-IN (152) (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 | 2,483 |
| Total Mortgage Loan Application Amount | $86,573,000 |
| Average Mortgage Loan Application Amount | $34,866 |
| Highest Mortgage Loan Application Amount | $982,000 |
| Average Applicant Income | $74,962 |
| Highest Applicant Income | $1,172,000 |
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Central Bank, National Association filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Chicago-Joliet-Naperville, IL | 546 | $ 43,410,000 | $ 79,505 | $ 87,000 |
| Milwaukee-Waukesha-West Allis, WI | 156 | $ 2,620,000 | $ 16,794 | $ 66,000 |
| Cincinnati-Middletown, OH-KY-IN | 152 | $ 2,177,000 | $ 14,322 | $ 61,460 |
| Warren-Troy-Farmington Hills, MI | 120 | $ 1,941,000 | $ 16,175 | $ 74,000 |
| Pittsburgh, PA | 106 | $ 1,579,000 | $ 14,896 | $ 60,000 |
| Columbus, OH | 93 | $ 1,506,000 | $ 16,193 | $ 75,000 |
| Cleveland-Elyria-Mentor, OH | 71 | $ 991,000 | $ 13,957 | $ 66,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 64 | $ 1,557,000 | $ 24,328 | $ 120,640 |
| Kansas City, MO-KS | 54 | $ 1,039,000 | $ 19,240 | $ 79,000 |
| Lake County-Kenosha County, IL-WI | 48 | $ 8,002,000 | $ 166,708 | $ 131,916 |
| Akron, OH | 44 | $ 554,000 | $ 12,590 | $ 62,000 |
| Detroit-Livonia-Dearborn, MI | 44 | $ 620,000 | $ 14,090 | $ 72,000 |
| Canton-Massillon, OH | 38 | $ 418,000 | $ 11,000 | $ 54,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 38 | $ 556,000 | $ 14,631 | $ 73,000 |
| Dayton, OH | 37 | $ 485,000 | $ 13,108 | $ 63,000 |
| Gary, IN | 35 | $ 782,000 | $ 22,342 | $ 63,000 |
| Grand Rapids-Wyoming, MI | 32 | $ 374,000 | $ 11,687 | $ 54,000 |
| Lexington-Fayette, KY | 29 | $ 429,000 | $ 14,793 | $ 68,000 |
| Louisville-Jefferson County, KY-IN | 29 | $ 499,000 | $ 17,206 | $ 61,586 |
| Flint, MI | 27 | $ 297,000 | $ 11,000 | $ 63,000 |
| Baltimore-Towson, MD | 25 | $ 601,000 | $ 24,040 | $ 93,000 |
| Des Moines-West Des Moines, IA | 25 | $ 373,000 | $ 14,920 | $ 88,000 |
| South Bend-Mishawaka, IN-MI | 20 | $ 290,000 | $ 14,500 | $ 54,600 |
| Lansing-East Lansing, MI | 18 | $ 187,000 | $ 10,388 | $ 66,000 |
| Harrisburg-Carlisle, PA | 15 | $ 215,000 | $ 14,333 | $ 73,000 |
| Toledo, OH | 15 | $ 215,000 | $ 14,333 | $ 53,000 |
| Ann Arbor, MI | 13 | $ 168,000 | $ 12,923 | $ 86,000 |
| Monroe, MI | 13 | $ 165,000 | $ 12,692 | $ 60,000 |
| Clarksville, TN-KY | 12 | $ 143,000 | $ 11,916 | $ 84,000 |
| Niles-Benton Harbor, MI | 12 | $ 252,000 | $ 21,000 | $ 54,000 |
| Philadelphia, PA | 12 | $ 247,000 | $ 20,583 | $ 76,000 |
| Saginaw-Saginaw Township North, MI | 12 | $ 164,000 | $ 13,666 | $ 49,000 |
| St. Louis, MO-IL | 12 | $ 143,000 | $ 11,916 | $ 50,750 |
| Columbia, MO | 11 | $ 133,000 | $ 12,090 | $ 66,000 |
| Elizabethtown, KY | 11 | $ 190,000 | $ 17,272 | $ 65,000 |
| Lancaster, PA | 11 | $ 192,000 | $ 17,454 | $ 83,000 |
| Racine, WI | 11 | $ 212,000 | $ 19,272 | $ 78,000 |
| Sheboygan, WI | 11 | $ 193,000 | $ 17,545 | $ 62,000 |
| York-Hanover, PA | 11 | $ 134,000 | $ 12,181 | $ 64,000 |
| Youngstown-Warren-Boardman, OH-PA | 11 | $ 129,000 | $ 11,727 | $ 45,454 |
| Allentown-Bethlehem-Easton, PA-NJ | 10 | $ 166,000 | $ 16,600 | $ 83,000 |
| Bethesda-Rockville-Frederick, MD | 9 | $ 222,000 | $ 24,666 | $ 123,000 |
| Elkhart-Goshen, IN | 9 | $ 160,000 | $ 17,777 | $ 41,000 |
| Jefferson City, MO | 8 | $ 92,000 | $ 11,500 | $ 58,000 |
| Mansfield, OH | 8 | $ 114,000 | $ 14,250 | $ 59,000 |
| Kalamazoo-Portage, MI | 7 | $ 81,000 | $ 11,571 | $ 39,000 |
| Michigan City-La Porte, IN | 7 | $ 453,000 | $ 64,714 | $ 120,000 |
| Springfield, OH | 7 | $ 90,000 | $ 12,857 | $ 55,000 |
| Appleton, WI | 6 | $ 120,000 | $ 20,000 | $ 85,000 |
| Holland-Grand Haven, MI | 6 | $ 53,000 | $ 8,833 | $ 33,000 |
| Rockford, IL | 6 | $ 76,000 | $ 12,666 | $ 40,000 |
| Bay City, MI | 5 | $ 63,000 | $ 12,600 | $ 43,000 |
| Janesville, WI | 5 | $ 80,000 | $ 16,000 | $ 61,000 |
| Memphis, TN-MS-AR | 5 | $ 102,000 | $ 20,400 | $ 117,000 |
| Muskegon-Norton Shores, MI | 5 | $ 81,000 | $ 16,200 | $ 63,000 |
| Reading, PA | 5 | $ 68,000 | $ 13,600 | $ 122,000 |
| Ames, IA | 4 | $ 58,000 | $ 14,500 | $ 84,000 |
| Battle Creek, MI | 4 | $ 65,000 | $ 16,250 | $ 31,000 |
| Fond Du Lac, WI | 4 | $ 66,000 | $ 16,500 | $ 39,000 |
| Fort Wayne, IN | 4 | $ 40,000 | $ 10,000 | $ 49,000 |
| Green Bay, WI | 4 | $ 80,000 | $ 20,000 | $ 78,000 |
| Indianapolis-Carmel, IN | 4 | $ 88,000 | $ 22,000 | $ 51,000 |
| Los Angeles-Long Beach-Glendale, CA | 4 | $ 2,188,000 | $ 547,000 | $ 335,000 |
| Madison, WI | 4 | $ 50,000 | $ 12,500 | $ 72,000 |
| Hagerstown-Martinsburg, MD-WV | 3 | $ 66,000 | $ 22,000 | $ 89,000 |
| Lima, OH | 3 | $ 39,000 | $ 13,000 | $ 60,000 |
| Roanoke, VA | 3 | $ 79,000 | $ 26,333 | $ 112,000 |
| Davenport-Moline-Rock Island, IA-IL | 2 | $ 33,000 | $ 16,500 | $ 49,000 |
| Decatur, IL | 2 | $ 22,000 | $ 11,000 | $ 63,000 |
| Johnstown, PA | 2 | $ 32,000 | $ 16,000 | $ 44,000 |
| Lynchburg, VA | 2 | $ 45,000 | $ 22,500 | $ 48,000 |
| Santa Ana-Anaheim-Irvine, CA | 2 | $ 941,000 | $ 470,500 | $ 238,000 |
| Scranton--Wilkes-Barre, PA | 2 | $ 54,000 | $ 27,000 | $ 77,000 |
| St. Joseph, MO-KS | 2 | $ 48,000 | $ 24,000 | $ 137,000 |
| Tucson, AZ | 2 | $ 497,000 | $ 248,500 | $ 650,000 |
| Atlanta-Sandy Springs-Marietta, GA | 1 | $ 6,000 | $ 6,000 | $ 79,000 |
| Bloomington-Normal, IL | 1 | $ 25,000 | $ 25,000 | $ 53,000 |
| Durham-Chapel Hill, NC | 1 | $ 230,000 | $ 230,000 | $ 112,000 |
| Fort Collins-Loveland, CO | 1 | $ 228,000 | $ 228,000 | $ 118,000 |
| Harrisonburg, VA | 1 | $ 7,000 | $ 7,000 | $ 17,000 |
| Iowa City, IA | 1 | $ 16,000 | $ 16,000 | $ 56,000 |
| Jackson, MI | 1 | $ 18,000 | $ 18,000 | $ 77,000 |
| Jackson, TN | 1 | $ 9,000 | $ 9,000 | $ 31,000 |
| Kankakee-Bradley, IL | 1 | $ 30,000 | $ 30,000 | $ 125,000 |
| Las Vegas-Paradise, NV | 1 | $ 256,000 | $ 256,000 | $ 67,000 |
| Richmond, VA | 1 | $ 20,000 | $ 20,000 | $ 61,000 |
| Rochester, MN | 1 | $ 20,000 | $ 20,000 | $ 33,000 |
| Springfield, IL | 1 | $ 10,000 | $ 10,000 | $ 74,000 |
| Terre Haute, IN | 1 | $ 28,000 | $ 28,000 | $ 50,000 |
| Wilmington, DE-MD-NJ | 1 | $ 24,000 | $ 24,000 | $ 85,000 |
| Winchester, VA-WV | 1 | $ 13,000 | $ 13,000 | $ 36,000 |
Mortgage Loan Application Detail Totals for South Central Bank, National Association in 2011
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 | 2,285 | $35,261,000 | $15,000 | $100,000 | $69,000 | $343,000 |
| Refinancing | 143 | $39,466,000 | $275,000 | $982,000 | $161,000 | $1,172,000 |
| Home Purchase | 55 | $11,846,000 | $215,000 | $607,000 | $99,000 | $525,000 |
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 | 1,993 | $70,926,000 | $35,000 | $982,000 | $77,000 | $1,172,000 |
| Black or African American | 323 | $6,521,000 | $20,000 | $274,000 | $63,000 | $300,000 |
| Hispanic | 115 | $4,404,000 | $38,000 | $292,000 | $71,000 | $246,000 |
| Asian | 41 | $4,554,000 | $111,000 | $656,000 | $104,000 | $482,000 |
| American Indian or Alaskan Native | 9 | $134,000 | $14,000 | $24,000 | $78,000 | $174,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $34,000 | $17,000 | $20,000 | $110,000 | $190,000 |
| 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) | 1,999 | $76,072,000 | $38,000 | $982,000 | $78,000 | $1,172,000 |
| FHA-insured (Federal Housing Administration) | 484 | $10,501,000 | $21,000 | $369,000 | $64,000 | $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 |
|---|---|---|---|---|---|---|
| Application Denied By Financial Institution | 895 | $19,345,000 | $21,000 | $820,000 | $68,000 | $482,000 |
| Loan Originated | 697 | $43,299,000 | $62,000 | $982,000 | $92,000 | $1,172,000 |
| Application Withdrawn By Applicant | 427 | $8,329,000 | $19,000 | $900,000 | $70,000 | $419,000 |
| Application Approved But Not Accepted | 325 | $13,066,000 | $40,000 | $417,000 | $74,000 | $523,000 |
| File Closed For Incompleteness | 139 | $2,534,000 | $18,000 | $250,000 | $57,000 | $300,000 |
| 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 | 506 | $7,674,000 | $15,000 | $288,000 | $67,000 | $276,000 |
| Debt-To-Income Ratio | 349 | $7,404,000 | $21,000 | $318,000 | $64,000 | $343,000 |
| Collateral | 16 | $2,508,000 | $156,000 | $820,000 | $166,000 | $482,000 |
| Other | 15 | $910,000 | $60,000 | $273,000 | $99,000 | $250,000 |
| Unverifiable Information | 5 | $71,000 | $14,000 | $18,000 | $64,000 | $99,000 |
| Employment History | 3 | $48,000 | $16,000 | $19,000 | $56,000 | $78,000 |
| Credit Application Incomplete | 1 | $730,000 | $730,000 | $730,000 | $192,000 | $192,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into South Central Bank, National Association's 2011 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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