South Central Bank, Inc.
HMDA Loan Application Totals
and Mortgage Lending Details
for 2021
South Central Bank, Inc. 2021 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 | 3,271 |
| Total Mortgage Loan Application Amount | $604,225,000 |
| Average Mortgage Loan Application Amount | $149,000 |
| Highest Mortgage Loan Application Amount | $4,765,000 |
| Average Applicant Income | $99,800 |
| Highest Applicant Income | $4,069,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2021 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 2021 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 2021.
| 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 | 615 | $ 100,895,000 | $ 164,000 | $ 90,000 |
| Hardin County Kentucky | 515 | $ 101,445,000 | $ 196,000 | $ 93,000 |
| Barren County Kentucky | 346 | $ 45,920,000 | $ 132,000 | $ 86,000 |
| Daviess County Kentucky | 233 | $ 41,105,000 | $ 176,000 | $ 91,000 |
| Jefferson County Kentucky | 209 | $ 58,615,000 | $ 280,000 | $ 172,000 |
| Monroe County Kentucky | 114 | $ 12,220,000 | $ 107,000 | $ 56,000 |
| Allen County Kentucky | 101 | $ 14,975,000 | $ 148,000 | $ 71,000 |
| Fayette County Kentucky | 97 | $ 21,355,000 | $ 220,000 | $ 104,000 |
| Simpson County Kentucky | 74 | $ 10,660,000 | $ 144,000 | $ 82,000 |
| Meade County Kentucky | 65 | $ 14,975,000 | $ 230,000 | $ 105,000 |
| Hart County Kentucky | 57 | $ 5,935,000 | $ 104,000 | $ 67,000 |
| Metcalfe County Kentucky | 55 | $ 5,275,000 | $ 95,000 | $ 65,000 |
| Edmonson County Kentucky | 44 | $ 5,990,000 | $ 136,000 | $ 80,000 |
| Pulaski County Kentucky | 38 | $ 5,610,000 | $ 147,000 | $ 93,000 |
| Nelson County Kentucky | 36 | $ 6,890,000 | $ 191,000 | $ 91,000 |
| Larue County Kentucky | 34 | $ 5,230,000 | $ 153,000 | $ 84,000 |
| Logan County Kentucky | 30 | $ 4,450,000 | $ 148,000 | $ 68,000 |
| Breckinridge County Kentucky | 28 | $ 4,640,000 | $ 165,000 | $ 81,000 |
| Oldham County Kentucky | 28 | $ 8,640,000 | $ 308,000 | $ 163,000 |
| Grayson County Kentucky | 27 | $ 4,125,000 | $ 152,000 | $ 84,000 |
| Davidson County Tennessee | 26 | $ 7,440,000 | $ 286,000 | $ 259,000 |
| Bullitt County Kentucky | 21 | $ 4,635,000 | $ 220,000 | $ 83,000 |
| Rutherford County Tennessee | 19 | $ 4,685,000 | $ 246,000 | $ 179,000 |
| Ohio County Kentucky | 17 | $ 2,155,000 | $ 126,000 | $ 66,000 |
| Woodford County Kentucky | 17 | $ 3,475,000 | $ 204,000 | $ 147,000 |
| Jessamine County Kentucky | 15 | $ 4,225,000 | $ 281,000 | $ 115,000 |
| Williamson County Tennessee | 14 | $ 5,240,000 | $ 374,000 | $ 120,000 |
| Butler County Kentucky | 13 | $ 1,875,000 | $ 144,000 | $ 80,000 |
| Adair County Kentucky | 12 | $ 1,400,000 | $ 116,000 | $ 63,000 |
| Shelby County Kentucky | 12 | $ 2,680,000 | $ 223,000 | $ 107,000 |
| Carroll County Kentucky | 11 | $ 2,025,000 | $ 184,000 | $ 67,000 |
| Gallatin County Kentucky | 11 | $ 1,575,000 | $ 143,000 | $ 77,000 |
| Madison County Kentucky | 11 | $ 2,785,000 | $ 253,000 | $ 111,000 |
| Cumberland County Kentucky | 10 | $ 1,670,000 | $ 167,000 | $ 89,000 |
| Floyd County Kentucky | 10 | $ 1,740,000 | $ 174,000 | $ 71,000 |
| Pike County Kentucky | 9 | $ 1,485,000 | $ 165,000 | $ 157,000 |
| Hancock County Kentucky | 8 | $ 990,000 | $ 123,000 | $ 79,000 |
| Taylor County Kentucky | 8 | $ 980,000 | $ 122,000 | $ 59,000 |
| Scott County Kentucky | 7 | $ 1,585,000 | $ 226,000 | $ 128,000 |
| Vanderburgh County Indiana | 6 | $ 4,960,000 | $ 826,000 | $ 0 |
| Christian County Kentucky | 6 | $ 1,080,000 | $ 180,000 | $ 99,000 |
| Clark County Kentucky | 6 | $ 970,000 | $ 161,000 | $ 64,000 |
| Muhlenberg County Kentucky | 6 | $ 760,000 | $ 126,000 | $ 113,000 |
| Todd County Kentucky | 6 | $ 890,000 | $ 148,000 | $ 84,000 |
| Boone County Kentucky | 5 | $ 1,805,000 | $ 361,000 | $ 144,000 |
| Franklin County Kentucky | 5 | $ 845,000 | $ 169,000 | $ 83,000 |
| Garrard County Kentucky | 5 | $ 875,000 | $ 175,000 | $ 103,000 |
| Mercer County Kentucky | 5 | $ 1,465,000 | $ 293,000 | $ 93,000 |
| Trigg County Kentucky | 5 | $ 565,000 | $ 113,000 | $ 172,000 |
| Clay County Tennessee | 5 | $ 585,000 | $ 117,000 | $ 52,000 |
| Sevier County Tennessee | 5 | $ 3,075,000 | $ 615,000 | $ 292,000 |
| Sumner County Tennessee | 5 | $ 1,145,000 | $ 229,000 | $ 190,000 |
| Fulton County Georgia | 4 | $ 740,000 | $ 185,000 | $ 122,000 |
| Floyd County Indiana | 4 | $ 1,050,000 | $ 262,000 | $ 149,000 |
| Kenton County Kentucky | 4 | $ 630,000 | $ 157,000 | $ 106,000 |
| Lincoln County Kentucky | 4 | $ 540,000 | $ 135,000 | $ 71,000 |
| Spencer County Kentucky | 4 | $ 2,630,000 | $ 657,000 | $ 116,000 |
| Washington County Kentucky | 4 | $ 610,000 | $ 152,000 | $ 101,000 |
| Clermont County Ohio | 4 | $ 670,000 | $ 167,000 | $ 89,000 |
| Robertson County Tennessee | 4 | $ 680,000 | $ 170,000 | $ 63,000 |
| Merced County California | 3 | $ 765,000 | $ 255,000 | $ 686,000 |
| Sarasota County Florida | 3 | $ 4,085,000 | $ 1,361,000 | $ 194,000 |
| Walton County Florida | 3 | $ 3,765,000 | $ 1,255,000 | $ 1,415,000 |
| Clark County Indiana | 3 | $ 1,285,000 | $ 428,000 | $ 39,000 |
| Warrick County Indiana | 3 | $ 665,000 | $ 221,000 | $ 139,000 |
| Anderson County Kentucky | 3 | $ 415,000 | $ 138,000 | $ 64,000 |
| Clinton County Kentucky | 3 | $ 315,000 | $ 105,000 | $ 128,000 |
| Fleming County Kentucky | 3 | $ 455,000 | $ 151,000 | $ 70,000 |
| Green County Kentucky | 3 | $ 415,000 | $ 138,000 | $ 54,000 |
| Henry County Kentucky | 3 | $ 425,000 | $ 141,000 | $ 81,000 |
| Johnson County Kentucky | 3 | $ 265,000 | $ 88,000 | $ 37,000 |
| Marion County Kentucky | 3 | $ 445,000 | $ 148,000 | $ 65,000 |
| McLean County Kentucky | 3 | $ 535,000 | $ 178,000 | $ 87,000 |
| Hamilton County Ohio | 3 | $ 665,000 | $ 221,000 | $ 109,000 |
| Greenwood County South Carolina | 3 | $ 465,000 | $ 155,000 | $ 104,000 |
| Montgomery County Tennessee | 3 | $ 435,000 | $ 145,000 | $ 92,000 |
| Travis County Texas | 3 | $ 1,485,000 | $ 495,000 | $ 170,000 |
| Hillsborough County Florida | 2 | $ 490,000 | $ 245,000 | $ 88,000 |
| Indian River County Florida | 2 | $ 760,000 | $ 380,000 | $ 789,000 |
| Palm Beach County Florida | 2 | $ 500,000 | $ 250,000 | $ 148,000 |
| Boone County Indiana | 2 | $ 560,000 | $ 280,000 | $ 219,000 |
| Bourbon County Kentucky | 2 | $ 490,000 | $ 245,000 | $ 78,000 |
| Hickman County Kentucky | 2 | $ 280,000 | $ 140,000 | $ 73,000 |
| Magoffin County Kentucky | 2 | $ 450,000 | $ 225,000 | $ 143,000 |
| Marshall County Kentucky | 2 | $ 370,000 | $ 185,000 | $ 53,000 |
| McCreary County Kentucky | 2 | $ 130,000 | $ 65,000 | $ 53,000 |
| Owen County Kentucky | 2 | $ 290,000 | $ 145,000 | $ 50,000 |
| Russell County Kentucky | 2 | $ 220,000 | $ 110,000 | $ 125,000 |
| Montgomery County Maryland | 2 | $ 810,000 | $ 405,000 | $ 231,000 |
| Guilford County North Carolina | 2 | $ 250,000 | $ 125,000 | $ 95,000 |
| Mecklenburg County North Carolina | 2 | $ 720,000 | $ 360,000 | $ 101,000 |
| Franklin County Ohio | 2 | $ 390,000 | $ 195,000 | $ 170,000 |
| Allegheny County Pennsylvania | 2 | $ 300,000 | $ 150,000 | $ 133,000 |
| Bedford County Tennessee | 2 | $ 210,000 | $ 105,000 | $ 75,000 |
| Cheatham County Tennessee | 2 | $ 600,000 | $ 300,000 | $ 177,000 |
| Franklin County Tennessee | 2 | $ 820,000 | $ 410,000 | $ 425,000 |
| Virginia Beach County Virginia | 2 | $ 410,000 | $ 205,000 | $ 145,000 |
| Cullman County Alabama | 1 | $ 495,000 | $ 495,000 | $ 138,000 |
| Limestone County Alabama | 1 | $ 425,000 | $ 425,000 | $ 185,000 |
| Maricopa County Arizona | 1 | $ 85,000 | $ 85,000 | $ 182,000 |
| Brevard County Florida | 1 | $ 425,000 | $ 425,000 | $ 1,858,000 |
| Charlotte County Florida | 1 | $ 315,000 | $ 315,000 | $ 69,000 |
| Escambia County Florida | 1 | $ 425,000 | $ 425,000 | $ 231,000 |
| Flagler County Florida | 1 | $ 75,000 | $ 75,000 | $ 68,000 |
| Gulf County Florida | 1 | $ 425,000 | $ 425,000 | $ 145,000 |
| Lake County Florida | 1 | $ 195,000 | $ 195,000 | $ 67,000 |
| Lee County Florida | 1 | $ 195,000 | $ 195,000 | $ 56,000 |
| Marion County Florida | 1 | $ 95,000 | $ 95,000 | $ 189,000 |
| Monroe County Florida | 1 | $ 315,000 | $ 315,000 | $ 223,000 |
| Orange County Florida | 1 | $ 1,105,000 | $ 1,105,000 | $ 443,000 |
| Polk County Florida | 1 | $ 105,000 | $ 105,000 | $ 83,000 |
| Seminole County Florida | 1 | $ 295,000 | $ 295,000 | $ 120,000 |
| St. Johns County Florida | 1 | $ 145,000 | $ 145,000 | $ 74,000 |
| Volusia County Florida | 1 | $ 135,000 | $ 135,000 | $ 50,000 |
| Floyd County Georgia | 1 | $ 335,000 | $ 335,000 | $ 68,000 |
| Forsyth County Georgia | 1 | $ 155,000 | $ 155,000 | $ 71,000 |
| Newton County Georgia | 1 | $ 415,000 | $ 415,000 | $ 46,000 |
| Rockdale County Georgia | 1 | $ 495,000 | $ 495,000 | $ 0 |
| Cook County Illinois | 1 | $ 245,000 | $ 245,000 | $ 885,000 |
| Effingham County Illinois | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Allen County Indiana | 1 | $ 175,000 | $ 175,000 | $ 60,000 |
| Bartholomew County Indiana | 1 | $ 175,000 | $ 175,000 | $ 117,000 |
| Harrison County Indiana | 1 | $ 275,000 | $ 275,000 | $ 95,000 |
| Knox County Indiana | 1 | $ 145,000 | $ 145,000 | $ 78,000 |
| Monroe County Indiana | 1 | $ 125,000 | $ 125,000 | $ 91,000 |
| Spencer County Indiana | 1 | $ 155,000 | $ 155,000 | $ 128,000 |
| Boyd County Kentucky | 1 | $ 205,000 | $ 205,000 | $ 95,000 |
| Caldwell County Kentucky | 1 | $ 185,000 | $ 185,000 | $ 120,000 |
| Calloway County Kentucky | 1 | $ 85,000 | $ 85,000 | $ 103,000 |
| Campbell County Kentucky | 1 | $ 195,000 | $ 195,000 | $ 80,000 |
| Clay County Kentucky | 1 | $ 175,000 | $ 175,000 | $ 126,000 |
| Graves County Kentucky | 1 | $ 145,000 | $ 145,000 | $ 123,000 |
| Greenup County Kentucky | 1 | $ 285,000 | $ 285,000 | $ 137,000 |
| Henderson County Kentucky | 1 | $ 145,000 | $ 145,000 | $ 44,000 |
| Knox County Kentucky | 1 | $ 75,000 | $ 75,000 | $ 51,000 |
| Laurel County Kentucky | 1 | $ 95,000 | $ 95,000 | $ 57,000 |
| Lawrence County Kentucky | 1 | $ 135,000 | $ 135,000 | $ 44,000 |
| Letcher County Kentucky | 1 | $ 145,000 | $ 145,000 | $ 79,000 |
| Lyon County Kentucky | 1 | $ 195,000 | $ 195,000 | $ 123,000 |
| Menifee County Kentucky | 1 | $ 195,000 | $ 195,000 | $ 116,000 |
| Montgomery County Kentucky | 1 | $ 65,000 | $ 65,000 | $ 35,000 |
| Morgan County Kentucky | 1 | $ 105,000 | $ 105,000 | $ 38,000 |
| Rowan County Kentucky | 1 | $ 135,000 | $ 135,000 | $ 100,000 |
| Trimble County Kentucky | 1 | $ 55,000 | $ 55,000 | $ 92,000 |
| Union County Kentucky | 1 | $ 165,000 | $ 165,000 | $ 91,000 |
| Whitley County Kentucky | 1 | $ 1,005,000 | $ 1,005,000 | $ 222,000 |
| St. Tammany County Louisiana | 1 | $ 625,000 | $ 625,000 | $ 0 |
| Hancock County Maine | 1 | $ 255,000 | $ 255,000 | $ 180,000 |
| Charlevoix County Michigan | 1 | $ 135,000 | $ 135,000 | $ 42,000 |
| St. Clair County Michigan | 1 | $ 115,000 | $ 115,000 | $ 69,000 |
| Clay County North Carolina | 1 | $ 495,000 | $ 495,000 | $ 397,000 |
| Cumberland County North Carolina | 1 | $ 75,000 | $ 75,000 | $ 96,000 |
| Jackson County North Carolina | 1 | $ 275,000 | $ 275,000 | $ 120,000 |
| Wake County North Carolina | 1 | $ 145,000 | $ 145,000 | $ 66,000 |
| Lawrence County Ohio | 1 | $ 155,000 | $ 155,000 | $ 10,000 |
| Comanche County Oklahoma | 1 | $ 135,000 | $ 135,000 | $ 69,000 |
| Oklahoma County Oklahoma | 1 | $ 205,000 | $ 205,000 | $ 213,000 |
| Lane County Oregon | 1 | $ 275,000 | $ 275,000 | $ 362,000 |
| Beaufort County South Carolina | 1 | $ 225,000 | $ 225,000 | $ 91,000 |
| Berkeley County South Carolina | 1 | $ 215,000 | $ 215,000 | $ 58,000 |
| Blount County Tennessee | 1 | $ 245,000 | $ 245,000 | $ 50,000 |
| Campbell County Tennessee | 1 | $ 825,000 | $ 825,000 | $ 1,682,000 |
| Claiborne County Tennessee | 1 | $ 295,000 | $ 295,000 | $ 459,000 |
| Coffee County Tennessee | 1 | $ 135,000 | $ 135,000 | $ 40,000 |
| Cumberland County Tennessee | 1 | $ 155,000 | $ 155,000 | $ 93,000 |
| DeKalb County Tennessee | 1 | $ 125,000 | $ 125,000 | $ 90,000 |
| Jefferson County Tennessee | 1 | $ 855,000 | $ 855,000 | $ 640,000 |
| Knox County Tennessee | 1 | $ 295,000 | $ 295,000 | $ 364,000 |
| Macon County Tennessee | 1 | $ 245,000 | $ 245,000 | $ 48,000 |
| Marshall County Tennessee | 1 | $ 305,000 | $ 305,000 | $ 93,000 |
| Maury County Tennessee | 1 | $ 245,000 | $ 245,000 | $ 45,000 |
| Overton County Tennessee | 1 | $ 105,000 | $ 105,000 | $ 29,000 |
| White County Tennessee | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Harris County Texas | 1 | $ 145,000 | $ 145,000 | $ 55,000 |
| Manassas County Virginia | 1 | $ 135,000 | $ 135,000 | $ 161,000 |
| Mecklenburg County Virginia | 1 | $ 385,000 | $ 385,000 | $ 140,000 |
| Spotsylvania County Virginia | 1 | $ 225,000 | $ 225,000 | $ 70,000 |
Mortgage Loan Application Detail Totals for South Central Bank, Inc. in 2021
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 Purchase | 1,161 | $243,665,000 | $209,000 | $4,765,000 | $89,000 | $2,160,000 |
| Refinancing | 1,155 | $216,865,000 | $187,000 | $2,625,000 | $108,000 | $4,069,000 |
| Cash-out Refinancing | 592 | $115,160,000 | $194,000 | $2,715,000 | $106,000 | $1,858,000 |
| Other Purpose | 196 | $16,520,000 | $84,000 | $1,005,000 | $100,000 | $570,000 |
| Home Improvement | 167 | $12,015,000 | $71,000 | $445,000 | $96,000 | $583,000 |
| 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 | 2,686 | $467,360,000 | $173,000 | $4,765,000 | $100,000 | $4,069,000 |
| Not applicable | 192 | $59,640,000 | $310,000 | $2,715,000 | $0 | $0 |
| Not Provided | 191 | $38,205,000 | $200,000 | $705,000 | $109,000 | $792,000 |
| Black or African American | 63 | $11,405,000 | $181,000 | $545,000 | $84,000 | $372,000 |
| Hispanic | 52 | $8,480,000 | $163,000 | $545,000 | $80,000 | $396,000 |
| Asian | 49 | $11,175,000 | $228,000 | $595,000 | $94,000 | $508,000 |
| American Indian or Alaskan Native | 14 | $2,810,000 | $200,000 | $505,000 | $68,000 | $153,000 |
| Native Hawaiian or Other Pacific Islander | 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) | 2,788 | $509,930,000 | $182,000 | $4,765,000 | $106,000 | $4,069,000 |
| FHA-insured (Federal Housing Administration) | 210 | $32,960,000 | $156,000 | $335,000 | $53,000 | $146,000 |
| VA-guaranteed (Veterans Administration) | 165 | $45,415,000 | $275,000 | $775,000 | $102,000 | $289,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 108 | $15,920,000 | $147,000 | $515,000 | $48,000 | $110,000 |
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 | 2,478 | $457,500,000 | $184,000 | $4,765,000 | $102,000 | $4,069,000 |
| Application Withdrawn By Applicant | 451 | $89,595,000 | $198,000 | $1,755,000 | $101,000 | $623,000 |
| Application Denied By Financial Institution | 342 | $57,130,000 | $167,000 | $1,425,000 | $85,000 | $2,160,000 |
| 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 | 2,929 | $547,095,000 | $186,000 | $4,765,000 | $102,000 | $4,069,000 |
| Debt-To-Income Ratio | 126 | $22,920,000 | $181,000 | $1,425,000 | $65,000 | $709,000 |
| Credit History | 99 | $12,865,000 | $129,000 | $595,000 | $65,000 | $459,000 |
| Credit Application Incomplete | 41 | $7,325,000 | $178,000 | $365,000 | $116,000 | $660,000 |
| Collateral | 28 | $5,470,000 | $195,000 | $905,000 | $84,000 | $339,000 |
| Other | 22 | $4,000,000 | $181,000 | $755,000 | $247,000 | $2,160,000 |
| Unverifiable Information | 12 | $2,260,000 | $188,000 | $495,000 | $103,000 | $360,000 |
| Employment History | 8 | $1,180,000 | $147,000 | $355,000 | $37,000 | $69,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $1,005,000 | $201,000 | $285,000 | $66,000 | $87,000 |
| Mortgage Insurance Denied | 1 | $105,000 | $105,000 | $105,000 | $16,000 | $16,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into South Central Bank, Inc.'s 2021 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.