South Coast Bank & Trust Mortgage Lending & HMDA Data, 2024
In 2024, South Coast Bank & Trust of Brunswick, GA reported 57 mortgage applications totaling $20.9 million, down 3% from 2023. The average application was for $366,052, and applicants reported an average income of $294,947. 89% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Brunswick, GA (54), Athens-Clarke County, GA (1) and Valdosta, 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 | 57 |
| Total Mortgage Loan Application Amount | $20,865,000 |
| Average Mortgage Loan Application Amount | $366,052 |
| Highest Mortgage Loan Application Amount | $2,205,000 |
| Average Applicant Income | $294,947 |
| Highest Applicant Income | $775,000 |
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(HMDA) records South Coast Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Brunswick, GA | 54 | $ 20,240,000 | $ 374,814 | $ 305,000 |
| Athens-Clarke County, GA | 1 | $ 175,000 | $ 175,000 | $ 34,000 |
| Outside any metro area | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Valdosta, GA | 1 | $ 245,000 | $ 245,000 | $ 112,000 |
Mortgage Loan Application Detail Totals for South Coast Bank & Trust in 2024
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 | 32 | $12,700,000 | $396,000 | $2,205,000 | $310,000 | $748,000 |
| Refinancing | 23 | $7,975,000 | $346,000 | $2,095,000 | $292,000 | $775,000 |
| Other Purpose | 2 | $190,000 | $95,000 | $135,000 | $88,000 | $102,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Cash-out Refinancing | 0 | $0 | $0 | $0 | $0 | $0 |
| Home Improvement | 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 |
|---|---|---|---|---|---|---|
| Not applicable | 29 | $7,625,000 | $262,000 | $895,000 | $0 | $0 |
| White | 23 | $12,005,000 | $521,000 | $2,205,000 | $305,000 | $775,000 |
| Black or African American | 2 | $470,000 | $235,000 | $245,000 | $144,000 | $176,000 |
| Hispanic | 2 | $340,000 | $170,000 | $205,000 | $179,000 | $180,000 |
| Not Provided | 1 | $425,000 | $425,000 | $425,000 | $410,000 | $410,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 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) | 56 | $20,620,000 | $368,000 | $2,205,000 | $295,000 | $775,000 |
| VA-guaranteed (Veterans Administration) | 1 | $245,000 | $245,000 | $245,000 | $112,000 | $112,000 |
| 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 |
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 | 51 | $19,255,000 | $377,000 | $2,205,000 | $302,000 | $775,000 |
| Application Withdrawn By Applicant | 3 | $1,005,000 | $335,000 | $805,000 | $102,000 | $102,000 |
| Application Denied By Financial Institution | 2 | $390,000 | $195,000 | $245,000 | $112,000 | $112,000 |
| Application Approved But Not Accepted | 1 | $215,000 | $215,000 | $215,000 | $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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 57 | $20,865,000 | $366,000 | $2,205,000 | $288,000 | $775,000 |
| 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 2024 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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