South County Bank Mortgage Lending & HMDA Data, 2003
In 2003, South County Bank of Irvine, CA reported 1,194 mortgage applications totaling $185.7 million. The average application was for $155,517, and applicants reported an average income of $60,639. 10% of its applications resulted in an originated loan and 30% were denied. Its largest markets were Seattle-Bellevue-Everett, WA (59), Philadelphia, PA-NJ (58) and Baltimore, MD (54) (applications in parentheses).
| Mortgage Company & Address | South County Bank 2 Venture, Suite 120 Irvine, CA 92618 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2016 2015 2014 2013 2010 2009 2005 2004 2003 |
| Total Number of Mortgage Applications | 1,194 |
| Total Mortgage Loan Application Amount | $185,688,000 |
| Average Mortgage Loan Application Amount | $155,517 |
| Highest Mortgage Loan Application Amount | $1,450,000 |
| Average Applicant Income | $60,639 |
| Highest Applicant Income | $420,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records South County Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Seattle-Bellevue-Everett, WA | 59 | $ 11,421,000 | $ 193,576 | $ 52,000 |
| Philadelphia, PA-NJ | 58 | $ 7,609,000 | $ 131,189 | $ 55,000 |
| Baltimore, MD | 54 | $ 8,141,000 | $ 150,759 | $ 61,000 |
| Phoenix-Mesa, AZ | 41 | $ 6,011,000 | $ 146,609 | $ 65,000 |
| Jacksonville, FL | 37 | $ 4,197,000 | $ 113,432 | $ 55,000 |
| Monmouth-Ocean, NJ | 35 | $ 6,502,000 | $ 185,771 | $ 50,000 |
| Tampa-St. Petersburg-Clearwater, FL | 34 | $ 4,189,000 | $ 123,205 | $ 49,000 |
| Orlando, FL | 33 | $ 4,869,000 | $ 147,545 | $ 64,000 |
| Las Vegas, NV-AZ | 32 | $ 5,335,000 | $ 166,718 | $ 68,000 |
| Newark, NJ | 24 | $ 4,518,000 | $ 188,250 | $ 90,000 |
| Tacoma, WA | 24 | $ 3,781,000 | $ 157,541 | $ 62,000 |
| Bergen-Passaic, NJ | 22 | $ 5,577,000 | $ 253,500 | $ 74,000 |
| Middlesex-Somerset-Hunterdon, NJ | 19 | $ 3,585,000 | $ 188,684 | $ 77,000 |
| Sarasota-Bradenton, FL | 19 | $ 2,888,000 | $ 152,000 | $ 51,000 |
| St. Louis, MO-IL | 19 | $ 2,420,000 | $ 127,368 | $ 73,000 |
| West Palm Beach-Boca Raton, FL | 19 | $ 2,830,000 | $ 148,947 | $ 74,000 |
| Daytona Beach, FL | 18 | $ 2,245,000 | $ 124,722 | $ 39,000 |
| Fort Lauderdale, FL | 18 | $ 2,637,000 | $ 146,500 | $ 56,000 |
| Portland-Vancouver, OR-WA | 18 | $ 2,622,000 | $ 145,666 | $ 42,000 |
| Miami, FL | 16 | $ 3,191,000 | $ 199,437 | $ 68,000 |
| Tucson, AZ | 16 | $ 2,047,000 | $ 127,937 | $ 64,000 |
| Atlanta, GA | 15 | $ 3,121,000 | $ 208,066 | $ 82,000 |
| Riverside-San Bernardino, CA | 15 | $ 2,298,000 | $ 153,200 | $ 64,000 |
| Nassau-Suffolk, NY | 12 | $ 2,364,000 | $ 197,000 | $ 58,000 |
| Richmond-Petersburg, VA | 12 | $ 1,509,000 | $ 125,750 | $ 44,000 |
| York, PA | 12 | $ 1,701,000 | $ 141,750 | $ 52,000 |
| Jersey City, NJ | 11 | $ 2,514,000 | $ 228,545 | $ 59,000 |
| Pittsburgh, PA | 11 | $ 1,597,000 | $ 145,181 | $ 48,000 |
| Lancaster, PA | 10 | $ 1,051,000 | $ 105,100 | $ 43,000 |
| Detroit, MI | 9 | $ 1,342,000 | $ 149,111 | $ 71,000 |
| Melbourne-Titusville-Palm Bay, FL | 8 | $ 918,000 | $ 114,750 | $ 46,000 |
| Orange County, CA | 8 | $ 3,484,000 | $ 435,500 | $ 98,000 |
| Allentown-Bethlehem-Easton, PA | 7 | $ 983,000 | $ 140,428 | $ 59,000 |
| Columbus, OH | 7 | $ 1,277,000 | $ 182,428 | $ 77,000 |
| Norfolk-Virginia Beach-Newport News, VA-NC | 7 | $ 897,000 | $ 128,142 | $ 51,000 |
| Trenton, NJ | 7 | $ 917,000 | $ 131,000 | $ 41,000 |
| Cleveland-Lorain-Elyria, OH | 6 | $ 619,000 | $ 103,166 | $ 48,000 |
| Harrisburg-Lebanon-Carlisle, PA | 6 | $ 743,000 | $ 123,833 | $ 69,000 |
| New York, NY | 6 | $ 1,465,000 | $ 244,166 | $ 110,000 |
| Pensacola, FL | 6 | $ 489,000 | $ 81,500 | $ 53,000 |
| Reno, NV | 6 | $ 1,084,000 | $ 180,666 | $ 48,000 |
| Denver, CO | 5 | $ 1,097,000 | $ 219,400 | $ 43,000 |
| Lakeland-Winter Haven, FL | 5 | $ 357,000 | $ 71,400 | $ 31,000 |
| Los Angeles-Long Beach, CA | 5 | $ 1,269,000 | $ 253,800 | $ 111,000 |
| Minneapolis-St. Paul, MN-WI | 5 | $ 614,000 | $ 122,800 | $ 57,000 |
| Atlantic-Cape May, NJ | 4 | $ 477,000 | $ 119,250 | $ 49,000 |
| Bremerton, WA | 4 | $ 636,000 | $ 159,000 | $ 75,000 |
| Fort Myers-Cape Coral, FL | 4 | $ 456,000 | $ 114,000 | $ 55,000 |
| Kansas City, MO-KS | 4 | $ 369,000 | $ 92,250 | $ 41,000 |
| Milwaukee-Waukesha, WI | 4 | $ 504,000 | $ 126,000 | $ 43,000 |
| New Orleans, LA | 4 | $ 484,000 | $ 121,000 | $ 40,000 |
| Roanoke, VA | 4 | $ 500,000 | $ 125,000 | $ 53,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 4 | $ 453,000 | $ 113,250 | $ 53,000 |
| Yuma, AZ | 4 | $ 373,000 | $ 93,250 | $ 71,000 |
| Bellingham, WA | 3 | $ 408,000 | $ 136,000 | $ 77,000 |
| Cincinnati, OH-KY-IN | 3 | $ 440,000 | $ 146,666 | $ 44,000 |
| Colorado Springs, CO | 3 | $ 461,000 | $ 153,666 | $ 62,000 |
| Dayton-Springfield, OH | 3 | $ 294,000 | $ 98,000 | $ 43,000 |
| Duluth-Superior, MN-WI | 3 | $ 284,000 | $ 94,666 | $ 38,000 |
| Hartford, CT | 3 | $ 419,000 | $ 139,666 | $ 50,000 |
| Naples, FL | 3 | $ 576,000 | $ 192,000 | $ 59,000 |
| Ocala, FL | 3 | $ 173,000 | $ 57,666 | $ 47,000 |
| Reading, PA | 3 | $ 229,000 | $ 76,333 | $ 48,000 |
| San Diego, CA | 3 | $ 783,000 | $ 261,000 | $ 60,000 |
| Spokane, WA | 3 | $ 694,000 | $ 231,333 | $ 55,000 |
| Tallahassee, FL | 3 | $ 300,000 | $ 100,000 | $ 51,000 |
| Wilmington-Newark, DE-MD | 3 | $ 463,000 | $ 154,333 | $ 74,000 |
| Akron, OH | 2 | $ 200,000 | $ 100,000 | $ 31,000 |
| Birmingham, AL | 2 | $ 120,000 | $ 60,000 | $ 16,000 |
| Charlottesville, VA | 2 | $ 314,000 | $ 157,000 | $ 76,000 |
| Chicago, IL | 2 | $ 650,000 | $ 325,000 | $ 79,000 |
| Fort Walton Beach, FL | 2 | $ 185,000 | $ 92,500 | $ 54,000 |
| Greenville-Spartanburg-Anderson, SC | 2 | $ 191,000 | $ 95,500 | $ 41,000 |
| Kalamazoo-Battle Creek, MI | 2 | $ 266,000 | $ 133,000 | $ 88,000 |
| Lansing-East Lansing, MI | 2 | $ 307,000 | $ 153,500 | $ 32,000 |
| Memphis, TN-AR-MS | 2 | $ 128,000 | $ 64,000 | $ 22,000 |
| New Haven-Meriden, CT | 2 | $ 141,000 | $ 70,500 | $ 43,000 |
| Olympia, WA | 2 | $ 236,000 | $ 118,000 | $ 49,000 |
| Punta Gorda, FL | 2 | $ 179,000 | $ 89,500 | $ 32,000 |
| Sacramento, CA | 2 | $ 475,000 | $ 237,500 | $ 77,000 |
| Salem, OR | 2 | $ 408,000 | $ 204,000 | $ 51,000 |
| Stockton-Lodi, CA | 2 | $ 553,000 | $ 276,500 | $ 86,000 |
| Waterbury, CT | 2 | $ 334,000 | $ 167,000 | $ 49,000 |
| Yakima, WA | 2 | $ 430,000 | $ 215,000 | $ 61,000 |
| Ann Arbor, MI | 1 | $ 160,000 | $ 160,000 | $ 69,000 |
| Appleton-Oshkosh-Neenah, WI | 1 | $ 70,000 | $ 70,000 | $ 54,000 |
| Boise City, ID | 1 | $ 140,000 | $ 140,000 | $ 96,000 |
| Boston, MA-NH | 1 | $ 240,000 | $ 240,000 | $ 137,000 |
| Burlington, VT | 1 | $ 144,000 | $ 144,000 | $ 102,000 |
| Canton-Massillon, OH | 1 | $ 85,000 | $ 85,000 | $ 57,000 |
| Cedar Rapids, IA | 1 | $ 30,000 | $ 30,000 | $ 25,000 |
| Charleston, WV | 1 | $ 72,000 | $ 72,000 | $ 40,000 |
| Columbia, SC | 1 | $ 85,000 | $ 85,000 | $ 35,000 |
| Danbury, CT | 1 | $ 450,000 | $ 450,000 | $ 110,000 |
| Fort Pierce-Port St. Lucie, FL | 1 | $ 230,000 | $ 230,000 | $ 63,000 |
| Gainesville, FL | 1 | $ 158,000 | $ 158,000 | $ 180,000 |
| Gary, IN | 1 | $ 50,000 | $ 50,000 | $ 44,000 |
| Greensboro--Winston-Salem--High Point, NC | 1 | $ 183,000 | $ 183,000 | $ 70,000 |
| Hagerstown, MD | 1 | $ 115,000 | $ 115,000 | $ 46,000 |
| Huntington-Ashland, WV-KY-OH | 1 | $ 94,000 | $ 94,000 | $ 36,000 |
| Johnson City-Kingsport-Bristol, TN-VA | 1 | $ 56,000 | $ 56,000 | $ 51,000 |
| Lafayette, IN | 1 | $ 111,000 | $ 111,000 | $ 46,000 |
| Lewiston-Auburn, ME | 1 | $ 155,000 | $ 155,000 | $ 46,000 |
| Lexington, KY | 1 | $ 324,000 | $ 324,000 | $ 72,000 |
| Manchester, NH | 1 | $ 262,000 | $ 262,000 | $ 89,000 |
| Mobile, AL | 1 | $ 108,000 | $ 108,000 | $ 44,000 |
| Modesto, CA | 1 | $ 120,000 | $ 120,000 | $ 73,000 |
| Monroe, LA | 1 | $ 81,000 | $ 81,000 | $ 49,000 |
| Montgomery, AL | 1 | $ 72,000 | $ 72,000 | $ 25,000 |
| Newburgh, NY-PA | 1 | $ 268,000 | $ 268,000 | $ 100,000 |
| Oakland, CA | 1 | $ 450,000 | $ 450,000 | $ 118,000 |
| Oklahoma City, OK | 1 | $ 118,000 | $ 118,000 | $ 74,000 |
| Omaha, NE-IA | 1 | $ 122,000 | $ 122,000 | $ 76,000 |
| Providence-Fall River-Warwick, RI-MA | 1 | $ 154,000 | $ 154,000 | $ 66,000 |
| Richland-Kennewick-Pasco, WA | 1 | $ 110,000 | $ 110,000 | $ 109,000 |
| Rochester, MN | 1 | $ 70,000 | $ 70,000 | $ 54,000 |
| Saginaw-Bay City-Midland, MI | 1 | $ 38,000 | $ 38,000 | $ 54,000 |
| San Francisco, CA | 1 | $ 700,000 | $ 700,000 | $ 210,000 |
| Santa Cruz-Watsonville, CA | 1 | $ 51,000 | $ 51,000 | $ 61,000 |
| South Bend, IN | 1 | $ 137,000 | $ 137,000 | $ 59,000 |
| Springfield, MO | 1 | $ 135,000 | $ 135,000 | $ 60,000 |
| Stamford-Norwalk, CT | 1 | $ 288,000 | $ 288,000 | $ 47,000 |
| State College, PA | 1 | $ 155,000 | $ 155,000 | $ 32,000 |
| Sumter, SC | 1 | $ 213,000 | $ 213,000 | $ 88,000 |
| Terre Haute, IN | 1 | $ 59,000 | $ 59,000 | $ 48,000 |
| Toledo, OH | 1 | $ 83,000 | $ 83,000 | $ 42,000 |
| Ventura, CA | 1 | $ 380,000 | $ 380,000 | $ 108,000 |
| Washington, DC-MD-VA-WV | 1 | $ 239,000 | $ 239,000 | $ 42,000 |
| Wichita, KS | 1 | $ 75,000 | $ 75,000 | $ 32,000 |
| Williamsport, PA | 1 | $ 126,000 | $ 126,000 | $ 64,000 |
| Youngstown-Warren, OH | 1 | $ 45,000 | $ 45,000 | $ 35,000 |
Mortgage Loan Application Detail Totals for South County Bank in 2003
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 (home purchase or home improvement, one-to-four family) | 1,184 | $183,821,000 | $154,853 | $1,450,000 | $60,048 | $420,000 |
| Home Purchase (one-to-four family) | 8 | $1,692,000 | $226,250 | $600,000 | $82,000 | $204,000 |
| Home Improvement (one-to-four family) | 2 | $175,000 | $87,500 | $145,000 | $49,500 | $63,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 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 |
|---|---|---|---|---|---|---|
| Information not provided by applicant in mail or telephone application | 1,029 | $159,488,000 | $147,916 | $700,000 | $57,111 | $261,000 |
| White | 131 | $19,511,000 | $145,718 | $620,000 | $61,562 | $240,000 |
| Black | 19 | $2,252,000 | $129,230 | $272,000 | $56,230 | $105,000 |
| Hispanic | 10 | $1,771,000 | $177,000 | $316,000 | $71,500 | $154,000 |
| Other | 4 | $2,360,000 | $520,000 | $1,450,000 | $198,666 | $420,000 |
| Asian or Pacific Islander | 1 | $306,000 | $306,000 | $306,000 | $100,000 | $100,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 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) | 1,193 | $185,543,000 | $156,390 | $1,450,000 | $60,634 | $420,000 |
| VA-guaranteed (Veterans Administration) | 1 | $145,000 | $145,000 | $145,000 | $63,000 | $63,000 |
| 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 |
|---|---|---|---|---|---|---|
| Application Withdrawn By Applicant | 722 | $114,638,000 | $164,216 | $1,450,000 | $63,054 | $420,000 |
| Application Denied By Financial Institution | 356 | $52,759,000 | $150,939 | $650,000 | $53,757 | $234,000 |
| Loan Originated | 115 | $18,039,000 | $145,419 | $600,000 | $62,290 | $240,000 |
| Application Approved But Not Accepted | 1 | $252,000 | $252,000 | $252,000 | $64,000 | $64,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The 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 |
|---|---|---|---|---|---|---|
| Credit History | 266 | $39,770,000 | $158,625 | $650,000 | $54,500 | $234,000 |
| Debt-To-Income Ratio | 53 | $7,667,000 | $148,875 | $363,000 | $42,687 | $192,000 |
| Collateral | 18 | $2,327,000 | $139,916 | $350,000 | $55,916 | $105,000 |
| Other | 7 | $1,260,000 | $163,750 | $304,000 | $69,000 | $168,000 |
| Employment History | 6 | $764,000 | $127,333 | $240,000 | $38,166 | $90,000 |
| Unverifiable Information | 4 | $635,000 | $158,666 | $240,000 | $115,000 | $153,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $336,000 | $168,000 | $291,000 | $35,000 | $47,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into South County Bank's 2003 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 County Bank'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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