South Coast Bank & Trust Mortgage Lending & HMDA Data, 2025
In 2025, South Coast Bank & Trust of Brunswick, GA reported 66 mortgage applications totaling $20.2 million, up 16% from 2024. The average application was for $306,666, and applicants reported an average income of $272,939. 83% of its applications resulted in an originated loan and 11% were denied. Its largest markets were Brunswick, GA (55), Jacksonville, FL (2) and Atlanta-Sandy Springs-Roswell, GA (1) (applications in parentheses).
| Mortgage Company & Address | South Coast Bank & Trust 1500 Newcastle Street Brunswick, GA 31520 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 |
| Total Number of Mortgage Applications | 66 |
| Total Mortgage Loan Application Amount | $20,240,000 |
| Average Mortgage Loan Application Amount | $306,666 |
| Highest Mortgage Loan Application Amount | $1,405,000 |
| Average Applicant Income | $272,939 |
| Highest Applicant Income | $1,361,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records South Coast Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for South Coast Bank & Trust in 2025
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 | 33 | $10,005,000 | $303,000 | $1,405,000 | $229,000 | $861,000 |
| Refinancing | 27 | $9,275,000 | $343,000 | $1,195,000 | $335,000 | $1,361,000 |
| Other Purpose | 4 | $830,000 | $207,000 | $485,000 | $139,000 | $258,000 |
| Home Improvement | 2 | $130,000 | $65,000 | $65,000 | $428,000 | $428,000 |
| Cash-out Refinancing | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 31 | $10,555,000 | $340,000 | $1,195,000 | $269,000 | $1,361,000 |
| Not applicable | 24 | $7,290,000 | $303,000 | $1,405,000 | $0 | $0 |
| Not Provided | 5 | $1,595,000 | $319,000 | $605,000 | $286,000 | $622,000 |
| Hispanic | 4 | $450,000 | $112,000 | $165,000 | $344,000 | $861,000 |
| Asian | 2 | $350,000 | $175,000 | $305,000 | $167,000 | $242,000 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 66 | $20,240,000 | $306,000 | $1,405,000 | $273,000 | $1,361,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Loan Originated | 55 | $17,145,000 | $311,000 | $1,405,000 | $307,000 | $1,361,000 |
| Application Denied By Financial Institution | 7 | $1,675,000 | $239,000 | $675,000 | $96,000 | $242,000 |
| Application Approved But Not Accepted | 2 | $650,000 | $325,000 | $605,000 | $159,000 | $173,000 |
| Application Withdrawn By Applicant | 1 | $605,000 | $605,000 | $605,000 | $622,000 | $622,000 |
| File Closed For Incompleteness | 1 | $165,000 | $165,000 | $165,000 | $124,000 | $124,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 66 | $20,240,000 | $306,000 | $1,405,000 | $273,000 | $1,361,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into South Coast Bank & Trust's 2025 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 Coast Bank & Trust'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.
For a list of all lenders in Georgia, download the full spreadsheet
with aggregated HMDA statistics today.
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