South County Bank Mortgage Lending & HMDA Data, 2004
In 2004, South County Bank of Irvine, CA reported 1,705 mortgage applications totaling $169.3 million, up 43% from 2003. The average application was for $99,269, and applicants reported an average income of $61,329. 10% of its applications resulted in an originated loan and 37% were denied. Its largest markets were Baltimore-Towson, MD (71), Philadelphia, PA (59) and Phoenix-Mesa-Scottsdale, AZ (41) (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 | 1,705 |
| Total Mortgage Loan Application Amount | $169,254,000 |
| Average Mortgage Loan Application Amount | $99,269 |
| Highest Mortgage Loan Application Amount | $1,240,000 |
| Average Applicant Income | $61,329 |
| Highest Applicant Income | $1,200,000 |
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Act (HMDA) records South County Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Baltimore-Towson, MD | 71 | $ 7,582,000 | $ 106,788 | $ 66,000 |
| Philadelphia, PA | 59 | $ 5,193,000 | $ 88,016 | $ 65,000 |
| Phoenix-Mesa-Scottsdale, AZ | 41 | $ 3,780,000 | $ 92,195 | $ 83,000 |
| Pittsburgh, PA | 39 | $ 3,423,000 | $ 87,769 | $ 52,000 |
| Seattle-Bellevue-Everett, WA | 39 | $ 5,240,000 | $ 134,358 | $ 67,000 |
| Las Vegas-Paradise, NV | 33 | $ 4,495,000 | $ 136,212 | $ 68,000 |
| Portland-Vancouver-Beaverton, OR-WA | 29 | $ 3,154,000 | $ 108,758 | $ 88,000 |
| Columbus, OH | 27 | $ 1,919,000 | $ 71,074 | $ 66,000 |
| Denver-Aurora, CO | 26 | $ 2,966,000 | $ 114,076 | $ 75,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 24 | $ 1,582,000 | $ 65,916 | $ 52,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 24 | $ 1,418,000 | $ 59,083 | $ 59,000 |
| Cincinnati-Middletown, OH-KY-IN | 22 | $ 1,580,000 | $ 71,818 | $ 55,000 |
| Lancaster, PA | 22 | $ 1,669,000 | $ 75,863 | $ 49,000 |
| Tucson, AZ | 22 | $ 1,629,000 | $ 74,045 | $ 55,000 |
| York-Hanover, PA | 22 | $ 2,352,000 | $ 106,909 | $ 66,000 |
| Spokane, WA | 19 | $ 1,329,000 | $ 69,947 | $ 52,000 |
| Harrisburg-Carlisle, PA | 18 | $ 2,252,000 | $ 125,111 | $ 60,000 |
| Tacoma, WA | 18 | $ 1,850,000 | $ 102,777 | $ 83,000 |
| Warren-Farmington Hills-Troy, MI | 18 | $ 1,292,000 | $ 71,777 | $ 72,000 |
| Indianapolis, IN | 17 | $ 1,701,000 | $ 100,058 | $ 65,000 |
| Tampa-St. Petersburg-Clearwater, FL | 17 | $ 2,296,000 | $ 135,058 | $ 116,000 |
| Dayton, OH | 16 | $ 1,111,000 | $ 69,437 | $ 58,000 |
| Gary, IN | 16 | $ 1,082,000 | $ 67,625 | $ 60,000 |
| Richmond, VA | 15 | $ 1,244,000 | $ 82,933 | $ 61,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 14 | $ 1,031,000 | $ 73,642 | $ 75,000 |
| Scranton--Wilkes-Barre, PA | 14 | $ 1,567,000 | $ 111,928 | $ 61,000 |
| Jacksonville, FL | 13 | $ 956,000 | $ 73,538 | $ 59,000 |
| Orlando, FL | 13 | $ 1,337,000 | $ 102,846 | $ 63,000 |
| Salt Lake City, UT | 13 | $ 1,039,000 | $ 79,923 | $ 62,000 |
| Detroit-Livonia-Dearborn, MI | 12 | $ 843,000 | $ 70,250 | $ 55,000 |
| Reading, PA | 12 | $ 1,035,000 | $ 86,250 | $ 54,000 |
| Bethesda-Frederick-Gaithersburg, MD | 11 | $ 1,474,000 | $ 134,000 | $ 52,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 11 | $ 1,882,000 | $ 171,090 | $ 66,000 |
| Ogden-Clearfield, UT | 11 | $ 794,000 | $ 72,181 | $ 58,000 |
| St. Louis, MO-IL | 11 | $ 1,230,000 | $ 111,818 | $ 57,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 11 | $ 1,380,000 | $ 125,454 | $ 46,000 |
| Cleveland-Elyria-Mentor, OH | 10 | $ 943,000 | $ 94,300 | $ 66,000 |
| Provo-Orem, UT | 10 | $ 1,290,000 | $ 129,000 | $ 46,000 |
| Camden, NJ | 9 | $ 1,420,000 | $ 157,777 | $ 68,000 |
| Lakeland, FL | 9 | $ 575,000 | $ 63,888 | $ 50,000 |
| Los Angeles-Long Beach-Glendale, CA | 9 | $ 2,040,000 | $ 226,666 | $ 90,000 |
| Milwaukee-Waukesha-West Allis, WI | 9 | $ 769,000 | $ 85,444 | $ 50,000 |
| Reno-Sparks, NV | 9 | $ 1,273,000 | $ 141,444 | $ 51,000 |
| San Diego-Carlsbad-San Marcos, CA | 9 | $ 3,110,000 | $ 345,555 | $ 121,000 |
| Bremerton-Silverdale, WA | 8 | $ 584,000 | $ 73,000 | $ 61,000 |
| Edison, NJ | 8 | $ 1,485,000 | $ 185,625 | $ 83,000 |
| Erie, PA | 8 | $ 565,000 | $ 70,625 | $ 48,000 |
| Johnstown, PA | 8 | $ 623,000 | $ 77,875 | $ 50,000 |
| Kennewick-Richland-Pasco, WA | 8 | $ 1,023,000 | $ 127,875 | $ 76,000 |
| Newark-Union, NJ-PA | 8 | $ 1,220,000 | $ 152,500 | $ 69,000 |
| South Bend-Mishawaka, IN-MI | 8 | $ 634,000 | $ 79,250 | $ 48,000 |
| Toledo, OH | 8 | $ 528,000 | $ 66,000 | $ 67,000 |
| Akron, OH | 7 | $ 629,000 | $ 89,857 | $ 58,000 |
| Chicago-Naperville-Joliet, IL | 7 | $ 713,000 | $ 101,857 | $ 88,000 |
| Fort Walton Beach-Crestview-Destin, FL | 7 | $ 809,000 | $ 115,571 | $ 45,000 |
| Hagerstown-Martinsburg, MD-WV | 7 | $ 669,000 | $ 95,571 | $ 54,000 |
| Prescott, AZ | 7 | $ 1,011,000 | $ 144,428 | $ 61,000 |
| Springfield, OH | 7 | $ 552,000 | $ 78,857 | $ 45,000 |
| State College, PA | 7 | $ 530,000 | $ 75,714 | $ 54,000 |
| Atlantic City, NJ | 6 | $ 850,000 | $ 141,666 | $ 55,000 |
| Eugene-Springfield, OR | 6 | $ 614,000 | $ 102,333 | $ 63,000 |
| Madison, WI | 6 | $ 485,000 | $ 80,833 | $ 52,000 |
| Roanoke, VA | 6 | $ 374,000 | $ 62,333 | $ 45,000 |
| Santa Ana-Anaheim-Irvine, CA | 6 | $ 1,092,000 | $ 182,000 | $ 205,000 |
| Yuma, AZ | 6 | $ 437,000 | $ 72,833 | $ 53,000 |
| Altoona, PA | 5 | $ 396,000 | $ 79,200 | $ 32,000 |
| Canton-Massillon, OH | 5 | $ 605,000 | $ 121,000 | $ 30,000 |
| Colorado Springs, CO | 5 | $ 442,000 | $ 88,400 | $ 66,000 |
| Flint, MI | 5 | $ 293,000 | $ 58,600 | $ 57,000 |
| Michigan City-La Porte, IN | 5 | $ 348,000 | $ 69,600 | $ 38,000 |
| Mount Vernon-Anacortes, WA | 5 | $ 576,000 | $ 115,200 | $ 49,000 |
| Riverside-San Bernardino-Ontario, CA | 5 | $ 1,421,000 | $ 284,200 | $ 41,000 |
| Tallahassee, FL | 5 | $ 613,000 | $ 122,600 | $ 65,000 |
| Williamsport, PA | 5 | $ 329,000 | $ 65,800 | $ 44,000 |
| Youngstown-Warren-Boardman, OH-PA | 5 | $ 322,000 | $ 64,400 | $ 47,000 |
| Elkhart-Goshen, IN | 4 | $ 296,000 | $ 74,000 | $ 58,000 |
| Fort Collins-Loveland, CO | 4 | $ 414,000 | $ 103,500 | $ 79,000 |
| Fort Wayne, IN | 4 | $ 273,000 | $ 68,250 | $ 73,000 |
| Grand Rapids-Wyoming, MI | 4 | $ 247,000 | $ 61,750 | $ 42,000 |
| Longview, WA | 4 | $ 189,000 | $ 47,250 | $ 53,000 |
| Medford, OR | 4 | $ 415,000 | $ 103,750 | $ 60,000 |
| Oakland-Fremont-Hayward, CA | 4 | $ 1,001,000 | $ 250,250 | $ 104,000 |
| Olympia, WA | 4 | $ 677,000 | $ 169,250 | $ 74,000 |
| Pueblo, CO | 4 | $ 289,000 | $ 72,250 | $ 58,000 |
| Salem, OR | 4 | $ 351,000 | $ 87,750 | $ 69,000 |
| Salisbury, MD | 4 | $ 556,000 | $ 139,000 | $ 64,000 |
| Terre Haute, IN | 4 | $ 219,000 | $ 54,750 | $ 39,000 |
| Ann Arbor, MI | 3 | $ 460,000 | $ 153,333 | $ 67,000 |
| Appleton, WI | 3 | $ 120,000 | $ 40,000 | $ 38,000 |
| Boise City-Nampa, ID | 3 | $ 347,000 | $ 115,666 | $ 71,000 |
| Fairbanks, AK | 3 | $ 213,000 | $ 71,000 | $ 106,000 |
| Gainesville, FL | 3 | $ 321,000 | $ 107,000 | $ 66,000 |
| Grand Junction, CO | 3 | $ 460,000 | $ 153,333 | $ 59,000 |
| Greeley, CO | 3 | $ 202,000 | $ 67,333 | $ 48,000 |
| Hartford-West Hartford-East Hartford, CT | 3 | $ 363,000 | $ 121,000 | $ 80,000 |
| Lafayette, IN | 3 | $ 241,000 | $ 80,333 | $ 49,000 |
| Lebanon, PA | 3 | $ 928,000 | $ 309,333 | $ 62,000 |
| Miami-Miami Beach-Kendall, FL | 3 | $ 340,000 | $ 113,333 | $ 64,000 |
| Muskegon-Norton Shores, MI | 3 | $ 155,000 | $ 51,666 | $ 24,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 3 | $ 191,000 | $ 63,666 | $ 0 |
| Pensacola-Ferry Pass-Brent, FL | 3 | $ 184,000 | $ 61,333 | $ 61,000 |
| Sheboygan, WI | 3 | $ 221,000 | $ 73,666 | $ 90,000 |
| Wilmington, DE-MD-NJ | 3 | $ 170,000 | $ 56,666 | $ 58,000 |
| Albuquerque, NM | 2 | $ 217,000 | $ 108,500 | $ 30,000 |
| Anderson, IN | 2 | $ 235,000 | $ 117,500 | $ 58,000 |
| Bellingham, WA | 2 | $ 133,000 | $ 66,500 | $ 70,000 |
| Bend, OR | 2 | $ 465,000 | $ 232,500 | $ 69,000 |
| Boulder, CO | 2 | $ 197,000 | $ 98,500 | $ 37,000 |
| Columbus, IN | 2 | $ 215,000 | $ 107,500 | $ 69,000 |
| Cumberland, MD-WV | 2 | $ 180,000 | $ 90,000 | $ 55,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 2 | $ 144,000 | $ 72,000 | $ 42,000 |
| Greensboro-High Point, NC | 2 | $ 69,000 | $ 34,500 | $ 39,000 |
| Holland-Grand Haven, MI | 2 | $ 163,000 | $ 81,500 | $ 67,000 |
| Kansas City, MO-KS | 2 | $ 79,000 | $ 39,500 | $ 62,000 |
| Kokomo, IN | 2 | $ 89,000 | $ 44,500 | $ 78,000 |
| Lake County-Kenosha County, IL-WI | 2 | $ 137,000 | $ 68,500 | $ 112,000 |
| Lansing-East Lansing, MI | 2 | $ 160,000 | $ 80,000 | $ 50,000 |
| Lima, OH | 2 | $ 120,000 | $ 60,000 | $ 36,000 |
| Lynchburg, VA | 2 | $ 96,000 | $ 48,000 | $ 30,000 |
| Mansfield, OH | 2 | $ 126,000 | $ 63,000 | $ 49,000 |
| Naples-Marco Island, FL | 2 | $ 235,000 | $ 117,500 | $ 50,000 |
| New Haven-Milford, CT | 2 | $ 125,000 | $ 62,500 | $ 36,000 |
| Ocala, FL | 2 | $ 310,000 | $ 155,000 | $ 41,000 |
| Panama City-Lynn Haven, FL | 2 | $ 133,000 | $ 66,500 | $ 65,000 |
| Port St. Lucie-Fort Pierce, FL | 2 | $ 187,000 | $ 93,500 | $ 42,000 |
| Punta Gorda, FL | 2 | $ 250,000 | $ 125,000 | $ 39,000 |
| Rochester, MN | 2 | $ 160,000 | $ 80,000 | $ 100,000 |
| St. George, UT | 2 | $ 88,000 | $ 44,000 | $ 45,000 |
| Trenton-Ewing, NJ | 2 | $ 94,000 | $ 47,000 | $ 65,000 |
| Wenatchee, WA | 2 | $ 190,000 | $ 95,000 | $ 39,000 |
| Yuba City, CA | 2 | $ 138,000 | $ 69,000 | $ 72,000 |
| Atlanta-Sandy Springs-Marietta, GA | 1 | $ 115,000 | $ 115,000 | $ 33,000 |
| Austin-Round Rock, TX | 1 | $ 108,000 | $ 108,000 | $ 117,000 |
| Bakersfield, CA | 1 | $ 218,000 | $ 218,000 | $ 73,000 |
| Battle Creek, MI | 1 | $ 35,000 | $ 35,000 | $ 171,000 |
| Blacksburg-Christiansburg-Radford, VA | 1 | $ 94,000 | $ 94,000 | $ 78,000 |
| Cape Coral-Fort Myers, FL | 1 | $ 66,000 | $ 66,000 | $ 52,000 |
| Casper, WY | 1 | $ 75,000 | $ 75,000 | $ 24,000 |
| Charlotte-Gastonia-Concord, NC-SC | 1 | $ 90,000 | $ 90,000 | $ 91,000 |
| Charlottesville, VA | 1 | $ 39,000 | $ 39,000 | $ 82,000 |
| Cheyenne, WY | 1 | $ 115,000 | $ 115,000 | $ 40,000 |
| Coeur D'Alene, ID | 1 | $ 114,000 | $ 114,000 | $ 161,000 |
| Columbia, SC | 1 | $ 123,000 | $ 123,000 | $ 48,000 |
| Dallas-Plano-Irving, TX | 1 | $ 75,000 | $ 75,000 | $ 43,000 |
| Danville, VA | 1 | $ 37,000 | $ 37,000 | $ 115,000 |
| Elizabethtown, KY | 1 | $ 60,000 | $ 60,000 | $ 16,000 |
| Fresno, CA | 1 | $ 625,000 | $ 625,000 | $ 90,000 |
| Great Falls, MT | 1 | $ 91,000 | $ 91,000 | $ 32,000 |
| Green Bay, WI | 1 | $ 35,000 | $ 35,000 | $ 69,000 |
| Harrisonburg, VA | 1 | $ 40,000 | $ 40,000 | $ 41,000 |
| Hickory-Lenoir-Morganton, NC | 1 | $ 59,000 | $ 59,000 | $ 63,000 |
| Jacksonville, NC | 1 | $ 75,000 | $ 75,000 | $ 56,000 |
| Joplin, MO | 1 | $ 220,000 | $ 220,000 | $ 49,000 |
| Kalamazoo-Portage, MI | 1 | $ 100,000 | $ 100,000 | $ 30,000 |
| La Crosse, WI-MN | 1 | $ 80,000 | $ 80,000 | $ 71,000 |
| Las Cruces, NM | 1 | $ 60,000 | $ 60,000 | $ 90,000 |
| Little Rock-North Little Rock, AR | 1 | $ 90,000 | $ 90,000 | $ 137,000 |
| Louisville, KY-IN | 1 | $ 125,000 | $ 125,000 | $ 75,000 |
| Manchester-Nashua, NH | 1 | $ 136,000 | $ 136,000 | $ 67,000 |
| Memphis, TN-MS-AR | 1 | $ 30,000 | $ 30,000 | $ 54,000 |
| Monroe, MI | 1 | $ 76,000 | $ 76,000 | $ 93,000 |
| Muncie, IN | 1 | $ 65,000 | $ 65,000 | $ 16,000 |
| Nashville-Davidson--Murfreesboro, TN | 1 | $ 28,000 | $ 28,000 | $ 44,000 |
| New York-Wayne-White Plains, NY-NJ | 1 | $ 275,000 | $ 275,000 | $ 120,000 |
| Niles-Benton Harbor, MI | 1 | $ 40,000 | $ 40,000 | $ 30,000 |
| Norwich-New London, CT | 1 | $ 175,000 | $ 175,000 | $ 65,000 |
| Oklahoma City, OK | 1 | $ 206,000 | $ 206,000 | $ 150,000 |
| Omaha-Council Bluffs, NE-IA | 1 | $ 108,000 | $ 108,000 | $ 56,000 |
| Oshkosh-Neenah, WI | 1 | $ 38,000 | $ 38,000 | $ 190,000 |
| Portland-South Portland-Biddeford, ME | 1 | $ 56,000 | $ 56,000 | $ 69,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 1 | $ 175,000 | $ 175,000 | $ 156,000 |
| Racine, WI | 1 | $ 195,000 | $ 195,000 | $ 37,000 |
| Saginaw-Saginaw Township North, MI | 1 | $ 116,000 | $ 116,000 | $ 71,000 |
| Sandusky, OH | 1 | $ 92,000 | $ 92,000 | $ 45,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 1 | $ 187,000 | $ 187,000 | $ 150,000 |
| Santa Rosa-Petaluma, CA | 1 | $ 250,000 | $ 250,000 | $ 99,000 |
| Sarasota-Bradenton-Venice, FL | 1 | $ 200,000 | $ 200,000 | $ 33,000 |
| Savannah, GA | 1 | $ 115,000 | $ 115,000 | $ 65,000 |
| Topeka, KS | 1 | $ 56,000 | $ 56,000 | $ 48,000 |
| Tulsa, OK | 1 | $ 25,000 | $ 25,000 | $ 68,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 1 | $ 171,000 | $ 171,000 | $ 44,000 |
| Winchester, VA-WV | 1 | $ 207,000 | $ 207,000 | $ 58,000 |
| Yakima, WA | 1 | $ 300,000 | $ 300,000 | $ 96,000 |
Mortgage Loan Application Detail Totals for South County Bank in 2004
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 | 1,659 | $162,890,000 | $101,829 | $1,240,000 | $69,804 | $1,200,000 |
| Home Purchase | 37 | $5,625,000 | $156,538 | $636,000 | $82,923 | $264,000 |
| Home Improvement | 9 | $739,000 | $86,500 | $250,000 | $136,250 | $492,000 |
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 |
|---|---|---|---|---|---|---|
| Not Provided | 1,454 | $138,938,000 | $101,416 | $1,240,000 | $67,138 | $1,200,000 |
| White | 198 | $24,070,000 | $119,633 | $636,000 | $81,666 | $492,000 |
| Not applicable | 18 | $1,805,000 | $114,000 | $320,000 | $27,500 | $117,000 |
| Black or African American | 14 | $1,448,000 | $88,666 | $218,000 | $60,666 | $121,000 |
| Hispanic | 14 | $1,561,000 | $121,500 | $440,000 | $58,700 | $136,000 |
| Asian | 7 | $1,432,000 | $184,000 | $415,000 | $65,400 | $162,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 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) | 1,705 | $169,254,000 | $103,232 | $1,240,000 | $70,093 | $1,200,000 |
| 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 |
|---|---|---|---|---|---|---|
| Application Withdrawn By Applicant | 884 | $94,159,000 | $113,282 | $1,000,000 | $78,743 | $264,000 |
| Application Denied By Financial Institution | 637 | $59,389,000 | $93,258 | $1,240,000 | $54,903 | $1,200,000 |
| Loan Originated | 162 | $13,464,000 | $87,884 | $415,000 | $83,423 | $492,000 |
| Loan Purchased By The Institution | 18 | $1,805,000 | $114,000 | $320,000 | $27,500 | $117,000 |
| Application Approved But Not Accepted | 4 | $437,000 | $109,250 | $275,000 | $77,500 | $94,000 |
| File Closed For Incompleteness | 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 |
|---|---|---|---|---|---|---|
| Credit History | 401 | $38,252,000 | $94,304 | $800,000 | $56,173 | $1,200,000 |
| Debt-To-Income Ratio | 158 | $13,925,000 | $85,636 | $500,000 | $48,090 | $235,000 |
| Collateral | 56 | $4,364,000 | $65,157 | $275,000 | $55,578 | $160,000 |
| Employment History | 12 | $893,000 | $75,571 | $200,000 | $44,142 | $91,000 |
| Other | 9 | $1,796,000 | $137,625 | $1,240,000 | $63,000 | $212,000 |
| Unverifiable Information | 1 | $159,000 | $159,000 | $159,000 | $280,000 | $280,000 |
| Credit Application Incomplete | 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into South County Bank's 2004 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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