South Central Bank, Inc.
HMDA Loan Application Totals
and Mortgage Lending Details
for 2020
South Central Bank, Inc. 2020 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, Inc. 501 S L Rogers Wells Blvd Glasgow, KY 42141 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 2016 |
| Total Number of Mortgage Applications | 3,658 |
| Total Mortgage Loan Application Amount | $657,750,000 |
| Average Mortgage Loan Application Amount | $144,800 |
| Highest Mortgage Loan Application Amount | $3,155,000 |
| Average Applicant Income | $114,600 |
| Highest Applicant Income | $5,004,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2020 with South Central Bank, Inc.. 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, Inc.'s lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2020 breaks down South Central Bank, Inc.'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, Inc. serves its applicants.
Each category highlights the total number of mortgage applications processed by South Central Bank, Inc., 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, Inc.'s mortgage activity for 2020.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Warren County Kentucky | 784 | $ 134,210,000 | $ 171,000 | $ 98,000 |
| Hardin County Kentucky | 496 | $ 94,320,000 | $ 190,000 | $ 102,000 |
| Barren County Kentucky | 435 | $ 56,255,000 | $ 129,000 | $ 92,000 |
| Daviess County Kentucky | 269 | $ 39,935,000 | $ 148,000 | $ 95,000 |
| Jefferson County Kentucky | 248 | $ 67,850,000 | $ 273,000 | $ 163,000 |
| Monroe County Kentucky | 123 | $ 11,965,000 | $ 97,000 | $ 69,000 |
| Fayette County Kentucky | 121 | $ 27,695,000 | $ 228,000 | $ 119,000 |
| Allen County Kentucky | 108 | $ 12,780,000 | $ 118,000 | $ 80,000 |
| Meade County Kentucky | 88 | $ 16,110,000 | $ 183,000 | $ 81,000 |
| Hart County Kentucky | 65 | $ 6,595,000 | $ 101,000 | $ 74,000 |
| Metcalfe County Kentucky | 58 | $ 5,030,000 | $ 86,000 | $ 62,000 |
| Simpson County Kentucky | 54 | $ 8,340,000 | $ 154,000 | $ 73,000 |
| Oldham County Kentucky | 49 | $ 15,555,000 | $ 317,000 | $ 157,000 |
| Edmonson County Kentucky | 41 | $ 5,025,000 | $ 122,000 | $ 70,000 |
| Nelson County Kentucky | 31 | $ 7,015,000 | $ 226,000 | $ 74,000 |
| Pulaski County Kentucky | 30 | $ 5,830,000 | $ 194,000 | $ 84,000 |
| Adair County Kentucky | 29 | $ 4,375,000 | $ 150,000 | $ 97,000 |
| Davidson County Tennessee | 28 | $ 7,430,000 | $ 265,000 | $ 148,000 |
| Grayson County Kentucky | 27 | $ 4,555,000 | $ 168,000 | $ 100,000 |
| Logan County Kentucky | 27 | $ 3,015,000 | $ 111,000 | $ 80,000 |
| Bullitt County Kentucky | 25 | $ 4,575,000 | $ 183,000 | $ 99,000 |
| Larue County Kentucky | 24 | $ 3,540,000 | $ 147,000 | $ 89,000 |
| Rutherford County Tennessee | 24 | $ 6,750,000 | $ 281,000 | $ 124,000 |
| Breckinridge County Kentucky | 23 | $ 3,215,000 | $ 139,000 | $ 94,000 |
| Boone County Kentucky | 19 | $ 4,785,000 | $ 251,000 | $ 163,000 |
| Jessamine County Kentucky | 19 | $ 5,925,000 | $ 311,000 | $ 147,000 |
| Madison County Kentucky | 18 | $ 3,450,000 | $ 191,000 | $ 113,000 |
| Butler County Kentucky | 17 | $ 2,275,000 | $ 133,000 | $ 83,000 |
| Campbell County Kentucky | 16 | $ 3,600,000 | $ 225,000 | $ 115,000 |
| Ohio County Kentucky | 16 | $ 2,020,000 | $ 126,000 | $ 72,000 |
| Scott County Kentucky | 16 | $ 4,760,000 | $ 297,000 | $ 118,000 |
| Shelby County Kentucky | 12 | $ 2,740,000 | $ 228,000 | $ 123,000 |
| Franklin County Kentucky | 11 | $ 4,745,000 | $ 431,000 | $ 77,000 |
| Williamson County Tennessee | 11 | $ 3,755,000 | $ 341,000 | $ 132,000 |
| Pike County Kentucky | 10 | $ 1,940,000 | $ 194,000 | $ 127,000 |
| Anderson County Kentucky | 9 | $ 1,585,000 | $ 176,000 | $ 76,000 |
| Hancock County Kentucky | 9 | $ 1,735,000 | $ 192,000 | $ 80,000 |
| Woodford County Kentucky | 9 | $ 3,845,000 | $ 427,000 | $ 180,000 |
| Carroll County Kentucky | 8 | $ 1,280,000 | $ 160,000 | $ 70,000 |
| Kenton County Kentucky | 7 | $ 1,525,000 | $ 217,000 | $ 150,000 |
| Sumner County Tennessee | 7 | $ 2,095,000 | $ 299,000 | $ 139,000 |
| Cumberland County Kentucky | 6 | $ 810,000 | $ 135,000 | $ 90,000 |
| Gallatin County Kentucky | 6 | $ 960,000 | $ 160,000 | $ 108,000 |
| Russell County Kentucky | 6 | $ 880,000 | $ 146,000 | $ 87,000 |
| Taylor County Kentucky | 6 | $ 810,000 | $ 135,000 | $ 69,000 |
| Todd County Kentucky | 6 | $ 1,120,000 | $ 186,000 | $ 109,000 |
| Clinton County Kentucky | 5 | $ 865,000 | $ 173,000 | $ 71,000 |
| Green County Kentucky | 5 | $ 635,000 | $ 127,000 | $ 83,000 |
| Hickman County Kentucky | 5 | $ 1,275,000 | $ 255,000 | $ 67,000 |
| McCracken County Kentucky | 5 | $ 625,000 | $ 125,000 | $ 84,000 |
| Mercer County Kentucky | 5 | $ 1,215,000 | $ 243,000 | $ 104,000 |
| Muhlenberg County Kentucky | 5 | $ 525,000 | $ 105,000 | $ 66,000 |
| Lee County Florida | 4 | $ 1,290,000 | $ 322,000 | $ 235,000 |
| Monroe County Florida | 4 | $ 3,150,000 | $ 787,000 | $ 430,000 |
| Harrison County Indiana | 4 | $ 970,000 | $ 242,000 | $ 85,000 |
| Spencer County Indiana | 4 | $ 400,000 | $ 100,000 | $ 74,000 |
| Christian County Kentucky | 4 | $ 590,000 | $ 147,000 | $ 57,000 |
| Garrard County Kentucky | 4 | $ 1,110,000 | $ 277,000 | $ 200,000 |
| Henry County Kentucky | 4 | $ 740,000 | $ 185,000 | $ 77,000 |
| Marshall County Kentucky | 4 | $ 590,000 | $ 147,000 | $ 77,000 |
| Owen County Kentucky | 4 | $ 610,000 | $ 152,000 | $ 84,000 |
| Clay County Tennessee | 4 | $ 500,000 | $ 125,000 | $ 78,000 |
| Bay County Florida | 3 | $ 675,000 | $ 225,000 | $ 194,000 |
| Walton County Florida | 3 | $ 2,735,000 | $ 911,000 | $ 314,000 |
| Cherokee County Georgia | 3 | $ 1,045,000 | $ 348,000 | $ 261,000 |
| Floyd County Indiana | 3 | $ 495,000 | $ 165,000 | $ 200,000 |
| Hamilton County Indiana | 3 | $ 1,255,000 | $ 418,000 | $ 274,000 |
| Carlisle County Kentucky | 3 | $ 555,000 | $ 185,000 | $ 67,000 |
| Trimble County Kentucky | 3 | $ 595,000 | $ 198,000 | $ 122,000 |
| Leelanau County Michigan | 3 | $ 1,335,000 | $ 445,000 | $ 276,000 |
| Allegheny County Pennsylvania | 3 | $ 595,000 | $ 198,000 | $ 209,000 |
| Greenwood County South Carolina | 3 | $ 465,000 | $ 155,000 | $ 101,000 |
| Macon County Tennessee | 3 | $ 475,000 | $ 158,000 | $ 58,000 |
| Norfolk County Virginia | 3 | $ 1,205,000 | $ 401,000 | $ 178,000 |
| Collier County Florida | 2 | $ 1,110,000 | $ 555,000 | $ 145,000 |
| Escambia County Florida | 2 | $ 560,000 | $ 280,000 | $ 176,000 |
| Orange County Florida | 2 | $ 870,000 | $ 435,000 | $ 475,000 |
| Forsyth County Georgia | 2 | $ 650,000 | $ 325,000 | $ 137,000 |
| Fulton County Georgia | 2 | $ 720,000 | $ 360,000 | $ 472,000 |
| Clark County Indiana | 2 | $ 380,000 | $ 190,000 | $ 86,000 |
| Johnson County Indiana | 2 | $ 230,000 | $ 115,000 | $ 150,000 |
| Bell County Kentucky | 2 | $ 280,000 | $ 140,000 | $ 47,000 |
| Bourbon County Kentucky | 2 | $ 250,000 | $ 125,000 | $ 69,000 |
| Clark County Kentucky | 2 | $ 520,000 | $ 260,000 | $ 107,000 |
| Grant County Kentucky | 2 | $ 310,000 | $ 155,000 | $ 47,000 |
| Hopkins County Kentucky | 2 | $ 330,000 | $ 165,000 | $ 70,000 |
| Johnson County Kentucky | 2 | $ 470,000 | $ 235,000 | $ 104,000 |
| Leslie County Kentucky | 2 | $ 120,000 | $ 60,000 | $ 19,000 |
| McLean County Kentucky | 2 | $ 310,000 | $ 155,000 | $ 62,000 |
| Pendleton County Kentucky | 2 | $ 450,000 | $ 225,000 | $ 121,000 |
| Perry County Kentucky | 2 | $ 260,000 | $ 130,000 | $ 128,000 |
| Spencer County Kentucky | 2 | $ 510,000 | $ 255,000 | $ 114,000 |
| Washington County Kentucky | 2 | $ 320,000 | $ 160,000 | $ 70,000 |
| Wayne County Kentucky | 2 | $ 140,000 | $ 70,000 | $ 82,000 |
| Monroe County Michigan | 2 | $ 340,000 | $ 170,000 | $ 110,000 |
| Buchanan County Missouri | 2 | $ 120,000 | $ 60,000 | $ 79,000 |
| Monroe County New York | 2 | $ 270,000 | $ 135,000 | $ 158,000 |
| Coffee County Tennessee | 2 | $ 450,000 | $ 225,000 | $ 250,000 |
| Franklin County Tennessee | 2 | $ 610,000 | $ 305,000 | $ 172,000 |
| Maury County Tennessee | 2 | $ 580,000 | $ 290,000 | $ 471,000 |
| Roanoke City County Virginia | 2 | $ 530,000 | $ 265,000 | $ 86,000 |
| Marion County Alabama | 1 | $ 85,000 | $ 85,000 | $ 26,000 |
| Morgan County Alabama | 1 | $ 495,000 | $ 495,000 | $ 92,000 |
| Maricopa County Arizona | 1 | $ 85,000 | $ 85,000 | $ 110,000 |
| Sacramento County California | 1 | $ 295,000 | $ 295,000 | $ 744,000 |
| El Paso County Colorado | 1 | $ 515,000 | $ 515,000 | $ 233,000 |
| District of Columbia County District Of Columbia | 1 | $ 385,000 | $ 385,000 | $ 178,000 |
| Charlotte County Florida | 1 | $ 245,000 | $ 245,000 | $ 138,000 |
| Franklin County Florida | 1 | $ 75,000 | $ 75,000 | $ 150,000 |
| Osceola County Florida | 1 | $ 35,000 | $ 35,000 | $ 47,000 |
| Sarasota County Florida | 1 | $ 785,000 | $ 785,000 | $ 275,000 |
| St. Johns County Florida | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Volusia County Florida | 1 | $ 275,000 | $ 275,000 | $ 174,000 |
| Columbia County Georgia | 1 | $ 305,000 | $ 305,000 | $ 108,000 |
| Bartholomew County Indiana | 1 | $ 1,055,000 | $ 1,055,000 | $ 5,004,000 |
| Vanderburgh County Indiana | 1 | $ 215,000 | $ 215,000 | $ 77,000 |
| Warrick County Indiana | 1 | $ 155,000 | $ 155,000 | $ 55,000 |
| Boyle County Kentucky | 1 | $ 165,000 | $ 165,000 | $ 182,000 |
| Caldwell County Kentucky | 1 | $ 195,000 | $ 195,000 | $ 38,000 |
| Casey County Kentucky | 1 | $ 105,000 | $ 105,000 | $ 50,000 |
| Floyd County Kentucky | 1 | $ 205,000 | $ 205,000 | $ 102,000 |
| Greenup County Kentucky | 1 | $ 205,000 | $ 205,000 | $ 134,000 |
| Henderson County Kentucky | 1 | $ 55,000 | $ 55,000 | $ 165,000 |
| Lawrence County Kentucky | 1 | $ 195,000 | $ 195,000 | $ 70,000 |
| Lincoln County Kentucky | 1 | $ 85,000 | $ 85,000 | $ 59,000 |
| Lyon County Kentucky | 1 | $ 485,000 | $ 485,000 | $ 157,000 |
| Magoffin County Kentucky | 1 | $ 145,000 | $ 145,000 | $ 62,000 |
| Menifee County Kentucky | 1 | $ 105,000 | $ 105,000 | $ 45,000 |
| Montgomery County Kentucky | 1 | $ 115,000 | $ 115,000 | $ 60,000 |
| Nicholas County Kentucky | 1 | $ 155,000 | $ 155,000 | $ 54,000 |
| Trigg County Kentucky | 1 | $ 145,000 | $ 145,000 | $ 35,000 |
| St. Charles County Missouri | 1 | $ 135,000 | $ 135,000 | $ 271,000 |
| Clermont County Ohio | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Hamilton County Ohio | 1 | $ 165,000 | $ 165,000 | $ 50,000 |
| Northampton County Pennsylvania | 1 | $ 375,000 | $ 375,000 | $ 0 |
| Cannon County Tennessee | 1 | $ 245,000 | $ 245,000 | $ 257,000 |
| Dickson County Tennessee | 1 | $ 265,000 | $ 265,000 | $ 86,000 |
| Jefferson County Tennessee | 1 | $ 265,000 | $ 265,000 | $ 170,000 |
| Knox County Tennessee | 1 | $ 25,000 | $ 25,000 | $ 122,000 |
| Robertson County Tennessee | 1 | $ 275,000 | $ 275,000 | $ 48,000 |
| Sevier County Tennessee | 1 | $ 245,000 | $ 245,000 | $ 137,000 |
| Wilson County Tennessee | 1 | $ 215,000 | $ 215,000 | $ 43,000 |
| Chesapeake County Virginia | 1 | $ 135,000 | $ 135,000 | $ 125,000 |
| James City County Virginia | 1 | $ 255,000 | $ 255,000 | $ 77,000 |
| Lee County Virginia | 1 | $ 195,000 | $ 195,000 | $ 66,000 |
| Portsmouth County Virginia | 1 | $ 205,000 | $ 205,000 | $ 113,000 |
| Virginia Beach County Virginia | 1 | $ 195,000 | $ 195,000 | $ 206,000 |
| Kanawha County West Virginia | 1 | $ 225,000 | $ 225,000 | $ 249,000 |
Mortgage Loan Application Detail Totals for South Central Bank, Inc. in 2020
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 |
|---|---|---|---|---|---|---|
| Refinancing | 1,604 | $312,130,000 | $194,000 | $3,155,000 | $105,000 | $1,680,000 |
| Home Purchase | 1,073 | $203,885,000 | $190,000 | $2,845,000 | $91,000 | $1,463,000 |
| Cash-out Refinancing | 594 | $112,000,000 | $188,000 | $1,285,000 | $106,000 | $1,104,000 |
| Other Purpose | 230 | $18,270,000 | $79,000 | $385,000 | $106,000 | $1,189,000 |
| Home Improvement | 157 | $11,465,000 | $73,000 | $1,055,000 | $165,000 | $5,004,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 3,058 | $520,880,000 | $170,000 | $1,575,000 | $103,000 | $5,004,000 |
| Not Provided | 215 | $43,555,000 | $202,000 | $855,000 | $110,000 | $800,000 |
| Not applicable | 166 | $51,200,000 | $308,000 | $3,155,000 | $0 | $0 |
| Asian | 68 | $14,140,000 | $207,000 | $515,000 | $119,000 | $1,344,000 |
| Black or African American | 56 | $9,190,000 | $164,000 | $515,000 | $87,000 | $317,000 |
| Hispanic | 37 | $7,075,000 | $191,000 | $515,000 | $95,000 | $408,000 |
| American Indian or Alaskan Native | 14 | $2,660,000 | $190,000 | $285,000 | $88,000 | $200,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $275,000 | $275,000 | $275,000 | $416,000 | $416,000 |
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) | 3,222 | $575,320,000 | $178,000 | $3,155,000 | $109,000 | $5,004,000 |
| VA-guaranteed (Veterans Administration) | 176 | $45,390,000 | $257,000 | $525,000 | $102,000 | $260,000 |
| FHA-insured (Federal Housing Administration) | 162 | $24,160,000 | $149,000 | $315,000 | $57,000 | $215,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 98 | $12,880,000 | $131,000 | $285,000 | $45,000 | $85,000 |
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 | 2,838 | $509,940,000 | $179,000 | $3,155,000 | $105,000 | $5,004,000 |
| Application Withdrawn By Applicant | 473 | $92,235,000 | $195,000 | $1,225,000 | $112,000 | $1,680,000 |
| Application Denied By Financial Institution | 347 | $55,575,000 | $160,000 | $1,575,000 | $84,000 | $804,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 3,311 | $602,175,000 | $181,000 | $3,155,000 | $106,000 | $5,004,000 |
| Credit History | 109 | $12,585,000 | $115,000 | $365,000 | $68,000 | $267,000 |
| Debt-To-Income Ratio | 104 | $18,460,000 | $177,000 | $475,000 | $72,000 | $744,000 |
| Collateral | 58 | $10,190,000 | $175,000 | $575,000 | $112,000 | $672,000 |
| Other | 24 | $4,680,000 | $195,000 | $515,000 | $140,000 | $804,000 |
| Credit Application Incomplete | 21 | $4,865,000 | $231,000 | $1,575,000 | $122,000 | $503,000 |
| Employment History | 18 | $2,530,000 | $140,000 | $285,000 | $50,000 | $90,000 |
| Unverifiable Information | 7 | $1,275,000 | $182,000 | $395,000 | $89,000 | $153,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 6 | $990,000 | $165,000 | $275,000 | $60,000 | $158,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into South Central Bank, Inc.'s 2020 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, Inc.'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.