South Coast Bank & Trust Mortgage Lending & HMDA Data, 2016
In 2016, South Coast Bank & Trust of Brunswick, GA reported 63 mortgage applications totaling $10.7 million. The average application was for $170,174, and applicants reported an average income of $121,142. 81% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Brunswick, GA (52), Valdosta, GA (3) and Atlanta-Sandy Springs-Roswell, GA (1) (applications in parentheses).
| Mortgage Company & Address | South Coast Bank & Trust 1500 Newcastle Street Brunswick, GA 31521 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2019 2018 2017 2016 |
| Total Number of Mortgage Applications | 63 |
| Total Mortgage Loan Application Amount | $10,721,000 |
| Average Mortgage Loan Application Amount | $170,174 |
| Highest Mortgage Loan Application Amount | $706,000 |
| Average Applicant Income | $121,142 |
| Highest Applicant Income | $1,435,000 |
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(HMDA) records South Coast Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Glynn, Georgia | 51 | $ 9,132,000 | $ 179,058 | $ 130,000 |
| Lowndes, Georgia | 2 | $ 367,000 | $ 183,500 | $ 28,000 |
| Brevard, Florida | 1 | $ 344,000 | $ 344,000 | $ 242,000 |
| Brantley, Georgia | 1 | $ 30,000 | $ 30,000 | $ 75,000 |
| Bulloch, Georgia | 1 | $ 120,000 | $ 120,000 | $ 61,000 |
| Fulton, Georgia | 1 | $ 142,000 | $ 142,000 | $ 50,000 |
| Hancock, Georgia | 1 | $ 50,000 | $ 50,000 | $ 0 |
| Lanier, Georgia | 1 | $ 150,000 | $ 150,000 | $ 73,000 |
| Ware, Georgia | 1 | $ 143,000 | $ 143,000 | $ 0 |
| Wayne, Georgia | 1 | $ 35,000 | $ 35,000 | $ 257,000 |
| White, Georgia | 1 | $ 108,000 | $ 108,000 | $ 41,000 |
| Aiken, South Carolina | 1 | $ 100,000 | $ 100,000 | $ 128,000 |
Mortgage Loan Application Detail Totals for South Coast Bank & Trust in 2016
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 | 41 | $7,389,000 | $180,000 | $706,000 | $90,000 | $599,000 |
| Home Purchase | 19 | $3,235,000 | $170,000 | $415,000 | $186,000 | $1,435,000 |
| Home Improvement | 3 | $97,000 | $32,000 | $50,000 | $136,000 | $352,000 |
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 | 36 | $6,999,000 | $194,000 | $600,000 | $188,000 | $1,435,000 |
| Not applicable | 19 | $3,064,000 | $161,000 | $706,000 | $0 | $0 |
| Black or African American | 6 | $421,000 | $70,000 | $164,000 | $89,000 | $163,000 |
| Asian | 1 | $95,000 | $95,000 | $95,000 | $283,000 | $283,000 |
| Native Hawaiin or Other Pacific Islander | 1 | $142,000 | $142,000 | $142,000 | $50,000 | $50,000 |
| Not Provided | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Hispanic | 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) | 63 | $10,721,000 | $170,000 | $706,000 | $121,000 | $1,435,000 |
| 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 | 51 | $8,062,000 | $158,000 | $706,000 | $119,000 | $1,435,000 |
| Application Approved But Not Accepted | 5 | $1,640,000 | $328,000 | $587,000 | $236,000 | $584,000 |
| Application Withdrawn By Applicant | 5 | $660,000 | $132,000 | $152,000 | $66,000 | $128,000 |
| Application Denied By Financial Institution | 2 | $359,000 | $179,000 | $217,000 | $38,000 | $50,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into South Coast Bank & Trust's 2016 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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