South Central Bank, National Association Mortgage Lending & HMDA Data, 2012
In 2012, South Central Bank, National Association of Chicago, IL reported 1,868 mortgage applications totaling $86.6 million, down 25% from 2011. The average application was for $46,385, and applicants reported an average income of $78,025. 33% of its applications resulted in an originated loan and 34% were denied. Its largest markets were Chicago-Joliet-Naperville, IL (652), Milwaukee-Waukesha-West Allis, WI (103) and Cincinnati-Middletown, OH-KY-IN (74) (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 | 1,868 |
| Total Mortgage Loan Application Amount | $86,648,000 |
| Average Mortgage Loan Application Amount | $46,385 |
| Highest Mortgage Loan Application Amount | $1,169,000 |
| Average Applicant Income | $78,025 |
| Highest Applicant Income | $800,000 |
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Central Bank, National Association filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 652 | $ 58,765,000 | $ 90,130 | $ 88,000 |
| Milwaukee-Waukesha-West Allis, WI | 103 | $ 1,588,000 | $ 15,417 | $ 71,000 |
| Cincinnati-Middletown, OH-KY-IN | 74 | $ 1,031,000 | $ 13,932 | $ 68,445 |
| Cleveland-Elyria-Mentor, OH | 74 | $ 891,000 | $ 12,040 | $ 68,000 |
| Lake County-Kenosha County, IL-WI | 62 | $ 6,264,000 | $ 101,032 | $ 103,548 |
| Akron, OH | 48 | $ 553,000 | $ 11,520 | $ 58,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 45 | $ 1,063,000 | $ 23,622 | $ 141,977 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 40 | $ 620,000 | $ 15,500 | $ 84,000 |
| Warren-Troy-Farmington Hills, MI | 38 | $ 721,000 | $ 18,973 | $ 87,000 |
| Gary, IN | 37 | $ 569,000 | $ 15,378 | $ 54,000 |
| Pittsburgh, PA | 34 | $ 418,000 | $ 12,294 | $ 50,000 |
| Columbus, OH | 32 | $ 509,000 | $ 15,906 | $ 89,000 |
| Louisville/Jefferson County, KY-IN | 27 | $ 508,000 | $ 18,814 | $ 71,777 |
| Canton-Massillon, OH | 25 | $ 293,000 | $ 11,720 | $ 39,000 |
| Des Moines-West Des Moines, IA | 25 | $ 574,000 | $ 22,960 | $ 82,000 |
| Kansas City, MO-KS | 25 | $ 519,000 | $ 20,760 | $ 60,000 |
| Detroit-Livonia-Dearborn, MI | 24 | $ 403,000 | $ 16,791 | $ 73,000 |
| Baltimore-Towson, MD | 15 | $ 441,000 | $ 29,400 | $ 97,000 |
| Dayton, OH | 14 | $ 206,000 | $ 14,714 | $ 76,000 |
| Grand Rapids-Wyoming, MI | 14 | $ 166,000 | $ 11,857 | $ 50,000 |
| Philadelphia, PA | 14 | $ 279,000 | $ 19,928 | $ 109,000 |
| Sheboygan, WI | 14 | $ 290,000 | $ 20,714 | $ 51,000 |
| Racine, WI | 12 | $ 229,000 | $ 19,083 | $ 62,000 |
| South Bend-Mishawaka, IN-MI | 12 | $ 151,000 | $ 12,583 | $ 50,166 |
| Harrisburg-Carlisle, PA | 11 | $ 192,000 | $ 17,454 | $ 79,000 |
| Lexington-Fayette, KY | 11 | $ 136,000 | $ 12,363 | $ 81,000 |
| Clarksville, TN-KY | 10 | $ 141,000 | $ 14,100 | $ 107,000 |
| Niles-Benton Harbor, MI | 10 | $ 167,000 | $ 16,700 | $ 42,000 |
| Flint, MI | 9 | $ 75,000 | $ 8,333 | $ 50,000 |
| Fond Du Lac, WI | 9 | $ 187,000 | $ 20,777 | $ 64,000 |
| Toledo, OH | 9 | $ 104,000 | $ 11,555 | $ 67,000 |
| Indianapolis-Carmel, IN | 8 | $ 159,000 | $ 19,875 | $ 65,000 |
| Monroe, MI | 8 | $ 147,000 | $ 18,375 | $ 76,000 |
| Ann Arbor, MI | 7 | $ 113,000 | $ 16,142 | $ 105,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 6 | $ 96,000 | $ 16,000 | $ 52,000 |
| Elkhart-Goshen, IN | 6 | $ 92,000 | $ 15,333 | $ 51,000 |
| Lansing-East Lansing, MI | 6 | $ 72,000 | $ 12,000 | $ 46,000 |
| Reading, PA | 6 | $ 145,000 | $ 24,166 | $ 96,000 |
| York-Hanover, PA | 6 | $ 131,000 | $ 21,833 | $ 83,000 |
| Ames, IA | 5 | $ 83,000 | $ 16,600 | $ 75,000 |
| Battle Creek, MI | 5 | $ 209,000 | $ 41,800 | $ 50,000 |
| Elizabethtown, KY | 5 | $ 72,000 | $ 14,400 | $ 49,000 |
| Kalamazoo-Portage, MI | 5 | $ 168,000 | $ 33,600 | $ 50,000 |
| Columbia, MO | 4 | $ 72,000 | $ 18,000 | $ 96,000 |
| Lynchburg, VA | 4 | $ 107,000 | $ 26,750 | $ 104,000 |
| Madison, WI | 4 | $ 40,000 | $ 10,000 | $ 40,000 |
| Michigan City-La Porte, IN | 4 | $ 83,000 | $ 20,750 | $ 65,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 4 | $ 78,000 | $ 19,500 | $ 46,250 |
| Saginaw-Saginaw Township North, MI | 4 | $ 57,000 | $ 14,250 | $ 45,000 |
| Springfield, IL | 4 | $ 63,000 | $ 15,750 | $ 69,000 |
| Springfield, OH | 4 | $ 41,000 | $ 10,250 | $ 51,000 |
| Youngstown-Warren-Boardman, OH-PA | 4 | $ 51,000 | $ 12,750 | $ 52,000 |
| Bay City, MI | 3 | $ 47,000 | $ 15,666 | $ 66,000 |
| Bethesda-Rockville-Frederick, MD | 3 | $ 58,000 | $ 19,333 | $ 117,000 |
| Fort Wayne, IN | 3 | $ 22,000 | $ 7,333 | $ 29,000 |
| Green Bay, WI | 3 | $ 57,000 | $ 19,000 | $ 86,000 |
| Janesville, WI | 3 | $ 40,000 | $ 13,333 | $ 73,000 |
| Lancaster, PA | 3 | $ 70,000 | $ 23,333 | $ 100,000 |
| Muskegon-Norton Shores, MI | 3 | $ 39,000 | $ 13,000 | $ 52,000 |
| Sandusky, OH | 3 | $ 40,000 | $ 13,333 | $ 48,000 |
| Anderson, IN | 2 | $ 27,000 | $ 13,500 | $ 114,000 |
| Jackson, MI | 2 | $ 16,000 | $ 8,000 | $ 42,000 |
| Lebanon, PA | 2 | $ 14,000 | $ 7,000 | $ 47,000 |
| Los Angeles-Long Beach-Glendale, CA | 2 | $ 1,774,000 | $ 887,000 | $ 319,000 |
| Mansfield, OH | 2 | $ 13,000 | $ 6,500 | $ 45,000 |
| Oshkosh-Neenah, WI | 2 | $ 53,000 | $ 26,500 | $ 84,000 |
| Scranton--Wilkes-Barre, PA | 2 | $ 47,000 | $ 23,500 | $ 102,000 |
| St. Joseph, MO-KS | 2 | $ 36,000 | $ 18,000 | $ 57,000 |
| St. Louis, MO-IL | 2 | $ 22,000 | $ 11,000 | $ 87,500 |
| Steubenville-Weirton, OH-WV | 2 | $ 28,000 | $ 14,000 | $ 36,000 |
| Topeka, KS | 2 | $ 49,000 | $ 24,500 | $ 61,000 |
| Appleton, WI | 1 | $ 14,000 | $ 14,000 | $ 20,000 |
| Champaign-Urbana, IL | 1 | $ 14,000 | $ 14,000 | $ 80,000 |
| Charlottesville, VA | 1 | $ 19,000 | $ 19,000 | $ 149,000 |
| Cumberland, MD-WV | 1 | $ 15,000 | $ 15,000 | $ 43,000 |
| Davenport-Moline-Rock Island, IA-IL | 1 | $ 103,000 | $ 103,000 | $ 104,000 |
| Harrisonburg, VA | 1 | $ 41,000 | $ 41,000 | $ 93,000 |
| Holland-Grand Haven, MI | 1 | $ 4,000 | $ 4,000 | $ 67,000 |
| Kankakee-Bradley, IL | 1 | $ 6,000 | $ 6,000 | $ 82,000 |
| Oakland-Fremont-Hayward, CA | 1 | $ 530,000 | $ 530,000 | $ 137,000 |
| Ogden-Clearfield, UT | 1 | $ 73,000 | $ 73,000 | $ 124,000 |
| Rockford, IL | 1 | $ 10,000 | $ 10,000 | $ 70,000 |
| Santa Cruz-Watsonville, CA | 1 | $ 399,000 | $ 399,000 | $ 84,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 1 | $ 25,000 | $ 25,000 | $ 119,000 |
| Wichita, KS | 1 | $ 50,000 | $ 50,000 | $ 68,000 |
| Winchester, VA-WV | 1 | $ 24,000 | $ 24,000 | $ 114,000 |
Mortgage Loan Application Detail Totals for South Central Bank, National Association in 2012
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 | 1,616 | $24,782,000 | $15,000 | $81,000 | $73,000 | $800,000 |
| Refinancing | 189 | $49,515,000 | $261,000 | $1,169,000 | $116,000 | $605,000 |
| Home Purchase | 63 | $12,351,000 | $196,000 | $992,000 | $93,000 | $324,000 |
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 | 1,436 | $68,160,000 | $47,000 | $1,169,000 | $80,000 | $800,000 |
| Black or African American | 264 | $5,809,000 | $22,000 | $350,000 | $66,000 | $350,000 |
| Hispanic | 134 | $9,337,000 | $69,000 | $1,165,000 | $79,000 | $605,000 |
| Asian | 27 | $2,997,000 | $111,000 | $530,000 | $73,000 | $145,000 |
| American Indian or Alaskan Native | 3 | $29,000 | $9,000 | $15,000 | $68,000 | $135,000 |
| Not Provided | 2 | $275,000 | $137,000 | $200,000 | $104,000 | $172,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $41,000 | $20,000 | $25,000 | $91,000 | $127,000 |
| 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) | 1,543 | $75,944,000 | $49,000 | $1,169,000 | $80,000 | $800,000 |
| FHA-insured (Federal Housing Administration) | 325 | $10,704,000 | $32,000 | $406,000 | $66,000 | $287,000 |
| 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 | 635 | $14,577,000 | $22,000 | $1,165,000 | $66,000 | $605,000 |
| Loan Originated | 624 | $51,535,000 | $82,000 | $1,169,000 | $91,000 | $523,000 |
| Application Withdrawn By Applicant | 349 | $6,692,000 | $19,000 | $380,000 | $76,000 | $800,000 |
| Application Approved But Not Accepted | 165 | $11,364,000 | $68,000 | $642,000 | $88,000 | $329,000 |
| File Closed For Incompleteness | 95 | $2,480,000 | $26,000 | $406,000 | $58,000 | $213,000 |
| 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 | 345 | $6,616,000 | $19,000 | $992,000 | $68,000 | $386,000 |
| Debt-To-Income Ratio | 263 | $4,872,000 | $18,000 | $408,000 | $57,000 | $348,000 |
| Collateral | 17 | $1,296,000 | $76,000 | $235,000 | $98,000 | $520,000 |
| Other | 6 | $417,000 | $69,000 | $172,000 | $95,000 | $248,000 |
| Employment History | 3 | $211,000 | $70,000 | $168,000 | $98,000 | $121,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $1,165,000 | $1,165,000 | $1,165,000 | $605,000 | $605,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into South Central Bank, National Association's 2012 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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