South County Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2005

South County Bank 2005 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.

Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher, this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.

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 846
Total Mortgage Loan Application Amount $95,883,000
Average Mortgage Loan Application Amount $130,859
Highest Mortgage Loan Application Amount $1,000,000
Average Applicant Income $81,228
Highest Applicant Income $360,000

Explore comprehensive HMDA mortgage statistics and lending trends for 2005 with South County Bank. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing South County Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.

Our HMDA dataset for 2005 breaks down South County Bank's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how South County Bank serves its applicants.

Each category highlights the total number of mortgage applications processed by South County Bank, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at South County Bank's mortgage activity for 2005.

Mortgage Loan Application Totals for South County Bank by Metropolitan Area in 2005

Metro Area Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Application Amount Average Applicant Income
LAS VEGAS-PARADISE, NV 34 $ 6,163,000 $ 181,000 $ 73,000
PHOENIX-MESA-SCOTTSDALE, AZ 31 $ 4,345,000 $ 140,000 $ 93,000
BALTIMORE-TOWSON, MD 23 $ 2,854,000 $ 124,000 $ 58,000
PHILADELPHIA, PA 22 $ 2,192,000 $ 99,000 $ 62,000
SEATTLE-BELLEVUE-EVERETT, WA 22 $ 2,964,000 $ 134,000 $ 81,000
TAMPA-ST. PETERSBURG-CLEARWATER, FL 19 $ 2,052,000 $ 108,000 $ 55,000
ORLANDO, FL 16 $ 2,398,000 $ 149,000 $ 55,000
LANCASTER, PA 15 $ 1,192,000 $ 79,000 $ 77,000
COLUMBUS, OH 13 $ 1,003,000 $ 77,000 $ 63,000
PITTSBURGH, PA 13 $ 1,016,000 $ 78,000 $ 64,000
CAMDEN, NJ 12 $ 691,000 $ 57,000 $ 71,000
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ 11 $ 1,161,000 $ 105,000 $ 42,000
DENVER-AURORA, CO 11 $ 1,399,000 $ 127,000 $ 60,000
EDISON, NJ 11 $ 1,963,000 $ 178,000 $ 83,000
PORTLAND-VANCOUVER-BEAVERTON, OR-WA 11 $ 1,237,000 $ 112,000 $ 62,000
YORK-HANOVER, PA 11 $ 1,041,000 $ 94,000 $ 83,000
JACKSONVILLE, FL 10 $ 774,000 $ 77,000 $ 64,000
HARRISBURG-CARLISLE, PA 9 $ 516,000 $ 57,000 $ 65,000
GARY, IN 8 $ 786,000 $ 98,000 $ 57,000
LAKELAND, FL 8 $ 469,000 $ 58,000 $ 67,000
SALT LAKE CITY, UT 8 $ 903,000 $ 112,000 $ 71,000
WEST PALM BEACH-BOCA RATON-BOYNTON BEACH, FL 8 $ 1,482,000 $ 185,000 $ 72,000
CLEVELAND-ELYRIA-MENTOR, OH 7 $ 450,000 $ 64,000 $ 51,000
LOS ANGELES-LONG BEACH-GLENDALE, CA 7 $ 2,393,000 $ 341,000 $ 104,000
PENSACOLA-FERRY PASS-BRENT, FL 7 $ 437,000 $ 62,000 $ 77,000
READING, PA 7 $ 503,000 $ 71,000 $ 73,000
ATLANTA-SANDY SPRINGS-MARIETTA, GA 6 $ 1,061,000 $ 176,000 $ 128,000
CINCINNATI-MIDDLETOWN, OH-KY-IN 6 $ 660,000 $ 110,000 $ 55,000
OLYMPIA, WA 6 $ 394,000 $ 65,000 $ 62,000
RICHMOND, VA 6 $ 553,000 $ 92,000 $ 45,000
SALEM, OR 6 $ 486,000 $ 81,000 $ 75,000
SPOKANE, WA 6 $ 380,000 $ 63,000 $ 45,000
ST. LOUIS, MO-IL 6 $ 780,000 $ 130,000 $ 54,000
TACOMA, WA 6 $ 890,000 $ 148,000 $ 74,000
TUCSON, AZ 6 $ 546,000 $ 91,000 $ 53,000
DAYTON, OH 5 $ 441,000 $ 88,000 $ 40,000
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL 5 $ 480,000 $ 96,000 $ 36,000
FORT LAUDERDALE-POMPANO BEACH-DEERFIELD BEACH, FL 5 $ 880,000 $ 176,000 $ 76,000
GREELEY, CO 5 $ 323,000 $ 64,000 $ 76,000
LEBANON, PA 5 $ 275,000 $ 55,000 $ 56,000
OGDEN-CLEARFIELD, UT 5 $ 282,000 $ 56,000 $ 77,000
OKLAHOMA CITY, OK 5 $ 400,000 $ 80,000 $ 81,000
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA 5 $ 1,505,000 $ 301,000 $ 61,000
TALLAHASSEE, FL 5 $ 408,000 $ 81,000 $ 63,000
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA 5 $ 304,000 $ 60,000 $ 39,000
ERIE, PA 4 $ 379,000 $ 94,000 $ 47,000
MILWAUKEE-WAUKESHA-WEST ALLIS, WI 4 $ 333,000 $ 83,000 $ 55,000
RENO-SPARKS, NV 4 $ 785,000 $ 196,000 $ 67,000
SACRAMENTO--ARDEN-ARCADE--ROSEVILLE, CA 4 $ 436,000 $ 109,000 $ 67,000
SALISBURY, MD 4 $ 431,000 $ 107,000 $ 68,000
SANTA ANA-ANAHEIM-IRVINE, CA 4 $ 1,584,000 $ 396,000 $ 107,000
AKRON, OH 3 $ 538,000 $ 179,000 $ 75,000
COLORADO SPRINGS, CO 3 $ 310,000 $ 103,000 $ 43,000
EUGENE-SPRINGFIELD, OR 3 $ 212,000 $ 70,000 $ 67,000
FORT WAYNE, IN 3 $ 257,000 $ 85,000 $ 101,000
HAGERSTOWN-MARTINSBURG, MD-WV 3 $ 564,000 $ 188,000 $ 59,000
IDAHO FALLS, ID 3 $ 204,000 $ 68,000 $ 85,000
KANSAS CITY, MO-KS 3 $ 125,000 $ 41,000 $ 73,000
MIAMI-MIAMI BEACH-KENDALL, FL 3 $ 345,000 $ 115,000 $ 144,000
NEWARK-UNION, NJ-PA 3 $ 280,000 $ 93,000 $ 77,000
OCALA, FL 3 $ 274,000 $ 91,000 $ 37,000
SAN DIEGO-CARLSBAD-SAN MARCOS, CA 3 $ 671,000 $ 223,000 $ 77,000
SAN JOSE-SUNNYVALE-SANTA CLARA, CA 3 $ 825,000 $ 275,000 $ 115,000
SARASOTA-BRADENTON-VENICE, FL 3 $ 368,000 $ 122,000 $ 68,000
SCRANTON--WILKES-BARRE, PA 3 $ 105,000 $ 35,000 $ 53,000
SPRINGFIELD, OH 3 $ 281,000 $ 93,000 $ 50,000
STATE COLLEGE, PA 3 $ 214,000 $ 71,000 $ 57,000
TULSA, OK 3 $ 367,000 $ 122,000 $ 60,000
BETHESDA-FREDERICK-GAITHERSBURG, MD 2 $ 201,000 $ 100,000 $ 52,000
BREMERTON-SILVERDALE, WA 2 $ 114,000 $ 57,000 $ 64,000
CANTON-MASSILLON, OH 2 $ 112,000 $ 56,000 $ 42,000
CAPE CORAL-FORT MYERS, FL 2 $ 212,000 $ 106,000 $ 77,000
CHICAGO-NAPERVILLE-JOLIET, IL 2 $ 667,000 $ 333,000 $ 196,000
COLUMBIA, SC 2 $ 115,000 $ 57,000 $ 96,000
CUMBERLAND, MD-WV 2 $ 116,000 $ 58,000 $ 35,000
EVANSVILLE, IN-KY 2 $ 216,000 $ 108,000 $ 55,000
FOND DU LAC, WI 2 $ 135,000 $ 67,000 $ 64,000
GREEN BAY, WI 2 $ 93,000 $ 46,000 $ 60,000
HARTFORD-WEST HARTFORD-EAST HARTFORD, CT 2 $ 185,000 $ 92,000 $ 57,000
HONOLULU, HI 2 $ 256,000 $ 128,000 $ 114,000
HUNTSVILLE, AL 2 $ 217,000 $ 108,000 $ 74,000
INDIANAPOLIS, IN 2 $ 159,000 $ 79,000 $ 54,000
LONGVIEW, WA 2 $ 310,000 $ 155,000 $ 108,000
MEDFORD, OR 2 $ 210,000 $ 105,000 $ 44,000
NAPLES-MARCO ISLAND, FL 2 $ 322,000 $ 161,000 $ 69,000
NASSAU-SUFFOLK, NY 2 $ 115,000 $ 57,000 $ 103,000
NEW YORK-WAYNE-WHITE PLAINS, NY-NJ 2 $ 235,000 $ 117,000 $ 129,000
OSHKOSH-NEENAH, WI 2 $ 107,000 $ 53,000 $ 47,000
PALM BAY-MELBOURNE-TITUSVILLE, FL 2 $ 115,000 $ 57,000 $ 27,000
PUEBLO, CO 2 $ 236,000 $ 118,000 $ 50,000
PUNTA GORDA, FL 2 $ 175,000 $ 87,000 $ 88,000
RACINE, WI 2 $ 82,000 $ 41,000 $ 43,000
RALEIGH-CARY, NC 2 $ 294,000 $ 147,000 $ 119,000
TOLEDO, OH 2 $ 90,000 $ 45,000 $ 60,000
WARREN-FARMINGTON HILLS-TROY, MI 2 $ 92,000 $ 46,000 $ 53,000
WENATCHEE, WA 2 $ 95,000 $ 47,000 $ 34,000
WILLIAMSPORT, PA 2 $ 180,000 $ 90,000 $ 36,000
ALBUQUERQUE, NM 1 $ 192,000 $ 192,000 $ 0
ASHEVILLE, NC 1 $ 100,000 $ 100,000 $ 51,000
ATLANTIC CITY, NJ 1 $ 115,000 $ 115,000 $ 112,000
BAKERSFIELD, CA 1 $ 191,000 $ 191,000 $ 73,000
BATON ROUGE, LA 1 $ 75,000 $ 75,000 $ 60,000
BELLINGHAM, WA 1 $ 126,000 $ 126,000 $ 48,000
BIRMINGHAM-HOOVER, AL 1 $ 72,000 $ 72,000 $ 132,000
BLOOMINGTON, IN 1 $ 70,000 $ 70,000 $ 36,000
BOISE CITY-NAMPA, ID 1 $ 136,000 $ 136,000 $ 163,000
BRIDGEPORT-STAMFORD-NORWALK, CT 1 $ 245,000 $ 245,000 $ 48,000
BURLINGTON-SOUTH BURLINGTON, VT 1 $ 66,000 $ 66,000 $ 83,000
CAMBRIDGE-NEWTON-FRAMINGHAM, MA 1 $ 139,000 $ 139,000 $ 24,000
CARSON CITY, NV 1 $ 216,000 $ 216,000 $ 0
CHARLOTTE-GASTONIA-CONCORD, NC-SC 1 $ 480,000 $ 480,000 $ 132,000
CHARLOTTESVILLE, VA 1 $ 119,000 $ 119,000 $ 68,000
COLUMBUS, GA-AL 1 $ 106,000 $ 106,000 $ 67,000
COLUMBUS, IN 1 $ 45,000 $ 45,000 $ 34,000
DECATUR, AL 1 $ 40,000 $ 40,000 $ 22,000
DOTHAN, AL 1 $ 50,000 $ 50,000 $ 65,000
FARGO, ND-MN 1 $ 75,000 $ 75,000 $ 78,000
FLINT, MI 1 $ 40,000 $ 40,000 $ 72,000
FORT COLLINS-LOVELAND, CO 1 $ 40,000 $ 40,000 $ 54,000
FORT WALTON BEACH-CRESTVIEW-DESTIN, FL 1 $ 87,000 $ 87,000 $ 84,000
GAINESVILLE, FL 1 $ 100,000 $ 100,000 $ 54,000
GRAND RAPIDS-WYOMING, MI 1 $ 75,000 $ 75,000 $ 72,000
HOUMA-BAYOU CANE-THIBODAUX, LA 1 $ 50,000 $ 50,000 $ 78,000
KINGSPORT-BRISTOL-BRISTOL, TN-VA 1 $ 80,000 $ 80,000 $ 108,000
LAWRENCE, KS 1 $ 50,000 $ 50,000 $ 50,000
LAWTON, OK 1 $ 76,000 $ 76,000 $ 98,000
LIMA, OH 1 $ 82,000 $ 82,000 $ 53,000
LOGAN, UT-ID 1 $ 100,000 $ 100,000 $ 46,000
MADERA, CA 1 $ 45,000 $ 45,000 $ 46,000
MANCHESTER-NASHUA, NH 1 $ 80,000 $ 80,000 $ 26,000
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI 1 $ 60,000 $ 60,000 $ 67,000
MODESTO, CA 1 $ 240,000 $ 240,000 $ 0
MONTGOMERY, AL 1 $ 42,000 $ 42,000 $ 36,000
NAPA, CA 1 $ 155,000 $ 155,000 $ 86,000
NEW HAVEN-MILFORD, CT 1 $ 35,000 $ 35,000 $ 60,000
NORWICH-NEW LONDON, CT 1 $ 154,000 $ 154,000 $ 94,000
OAKLAND-FREMONT-HAYWARD, CA 1 $ 318,000 $ 318,000 $ 116,000
OMAHA-COUNCIL BLUFFS, NE-IA 1 $ 109,000 $ 109,000 $ 121,000
PANAMA CITY-LYNN HAVEN, FL 1 $ 35,000 $ 35,000 $ 21,000
PORT ST. LUCIE-FORT PIERCE, FL 1 $ 171,000 $ 171,000 $ 41,000
PORTLAND-SOUTH PORTLAND-BIDDEFORD, ME 1 $ 75,000 $ 75,000 $ 54,000
ROCKY MOUNT, NC 1 $ 36,000 $ 36,000 $ 47,000
SALINAS, CA 1 $ 181,000 $ 181,000 $ 0
SHREVEPORT-BOSSIER CITY, LA 1 $ 40,000 $ 40,000 $ 30,000
SIOUX FALLS, SD 1 $ 160,000 $ 160,000 $ 90,000
SOUTH BEND-MISHAWAKA, IN-MI 1 $ 65,000 $ 65,000 $ 29,000
SPRINGFIELD, MO 1 $ 35,000 $ 35,000 $ 101,000
TUSCALOOSA, AL 1 $ 35,000 $ 35,000 $ 94,000
VERO BEACH, FL 1 $ 72,000 $ 72,000 $ 24,000
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC 1 $ 59,000 $ 59,000 $ 74,000
WATERLOO-CEDAR FALLS, IA 1 $ 36,000 $ 36,000 $ 53,000
WAUSAU, WI 1 $ 50,000 $ 50,000 $ 78,000
WICHITA, KS 1 $ 65,000 $ 65,000 $ 60,000
WILMINGTON, DE-MD-NJ 1 $ 55,000 $ 55,000 $ 54,000
YUMA, AZ 1 $ 100,000 $ 100,000 $ 48,000

Mortgage Loan Application Detail Totals for South County Bank in 2005

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 809 $88,265,000 $107,159 $660,000 $69,250 $360,000
Home Purchase 37 $7,618,000 $211,076 $1,000,000 $121,769 $301,000
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
White 470 $51,801,000 $111,270 $500,000 $80,378 $300,000
Not Provided 281 $29,228,000 $114,242 $577,000 $73,878 $360,000
Not applicable 37 $5,782,000 $201,833 $349,000 $0 $0
Black or African American 24 $2,875,000 $109,727 $340,000 $57,000 $130,000
Hispanic 22 $3,561,000 $189,500 $1,000,000 $85,416 $301,000
Asian 11 $2,111,000 $149,750 $660,000 $72,000 $145,000
Native Hawaiian or Other Pacific Islander 1 $525,000 $525,000 $525,000 $95,000 $95,000
American Indian or Alaskan Native 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) 846 $95,883,000 $109,250 $1,000,000 $71,363 $360,000
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 431 $49,242,000 $113,184 $1,000,000 $76,710 $301,000
Application Denied By Financial Institution 298 $31,641,000 $107,344 $500,000 $62,172 $288,000
Loan Originated 75 $8,517,000 $132,041 $577,000 $105,875 $360,000
Loan Purchased By The Institution 37 $5,782,000 $201,833 $349,000 $0 $0
Application Approved But Not Accepted 5 $701,000 $140,200 $212,000 $100,400 $144,000
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 171 $17,741,000 $111,826 $380,000 $63,608 $180,000
Debt-To-Income Ratio 87 $9,183,000 $107,761 $430,000 $46,571 $133,000
Collateral 27 $2,440,000 $103,200 $451,000 $59,333 $165,000
Other 10 $1,544,000 $141,125 $408,000 $85,875 $288,000
Employment History 3 $733,000 $244,333 $500,000 $82,333 $182,000
Insufficient Cash (Downpayment, Closing Cost) 0 $0 $0 $0 $0 $0
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0
Unverifiable Information 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 2005 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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