South Coast Bank & Trust Mortgage Lending & HMDA Data, 2023
In 2023, South Coast Bank & Trust of Brunswick, GA reported 59 mortgage applications totaling $20.0 million. The average application was for $338,220, and applicants reported an average income of $239,915. 81% of its applications resulted in an originated loan and 12% were denied. Its largest markets were Brunswick, GA (54), Athens-Clarke County, GA (1) and Jacksonville, FL (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 | 59 |
| Total Mortgage Loan Application Amount | $19,955,000 |
| Average Mortgage Loan Application Amount | $338,220 |
| Highest Mortgage Loan Application Amount | $3,905,000 |
| Average Applicant Income | $239,915 |
| Highest Applicant Income | $1,115,000 |
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(HMDA) records South Coast Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2023
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 | $13,230,000 | $413,000 | $3,905,000 | $214,000 | $1,041,000 |
| Refinancing | 20 | $5,720,000 | $286,000 | $1,195,000 | $329,000 | $1,115,000 |
| Home Improvement | 5 | $815,000 | $163,000 | $405,000 | $129,000 | $237,000 |
| Other Purpose | 2 | $190,000 | $95,000 | $175,000 | $41,000 | $74,000 |
| 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 | 29 | $8,985,000 | $309,000 | $1,195,000 | $233,000 | $1,115,000 |
| Not applicable | 24 | $10,220,000 | $425,000 | $3,905,000 | $0 | $0 |
| Black or African American | 5 | $165,000 | $33,000 | $75,000 | $36,000 | $63,000 |
| Hispanic | 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 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 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) | 59 | $19,955,000 | $338,000 | $3,905,000 | $228,000 | $1,115,000 |
| 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 | 48 | $14,670,000 | $305,000 | $1,195,000 | $248,000 | $1,115,000 |
| Application Denied By Financial Institution | 7 | $525,000 | $75,000 | $245,000 | $45,000 | $95,000 |
| Application Withdrawn By Applicant | 2 | $4,050,000 | $2,025,000 | $3,905,000 | $183,000 | $183,000 |
| Application Approved But Not Accepted | 2 | $710,000 | $355,000 | $585,000 | $1,041,000 | $1,041,000 |
| 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 | 59 | $19,955,000 | $338,000 | $3,905,000 | $228,000 | $1,115,000 |
| 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 2023 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.
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