Southcrest Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2015
Southcrest Bank 2015 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 | Southcrest Bank 1475 Peachtree St Suite 200 Atlanta, GA 30309 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2019 2018 2017 2016 2015 |
| Total Number of Mortgage Applications | 626 |
| Total Mortgage Loan Application Amount | $93,663,000 |
| Average Mortgage Loan Application Amount | $129,000 |
| Highest Mortgage Loan Application Amount | $1,425,000 |
| Average Applicant Income | $74,666 |
| Highest Applicant Income | $1,487,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2015 with Southcrest 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 Southcrest Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2015 breaks down Southcrest 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 Southcrest Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by Southcrest 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 Southcrest Bank's mortgage activity for 2015.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Upson County Georgia | 95 | $ 8,148,000 | $ 85,000 | $ 67,000 |
| Polk County Georgia | 55 | $ 4,661,000 | $ 84,000 | $ 84,000 |
| Cobb County Georgia | 44 | $ 9,910,000 | $ 225,000 | $ 78,000 |
| Fulton County Georgia | 41 | $ 8,035,000 | $ 195,000 | $ 55,000 |
| Coweta County Georgia | 33 | $ 6,923,000 | $ 209,000 | $ 87,000 |
| Walker County Georgia | 27 | $ 2,948,000 | $ 109,000 | $ 100,000 |
| Gwinnett County Georgia | 26 | $ 4,384,000 | $ 168,000 | $ 95,000 |
| Meriwether County Georgia | 26 | $ 3,232,000 | $ 124,000 | $ 79,000 |
| Fayette County Georgia | 20 | $ 4,164,000 | $ 208,000 | $ 85,000 |
| Cherokee County Georgia | 19 | $ 3,866,000 | $ 203,000 | $ 74,000 |
| Henry County Georgia | 19 | $ 3,489,000 | $ 183,000 | $ 49,000 |
| DeKalb County Georgia | 17 | $ 3,342,000 | $ 196,000 | $ 76,000 |
| Forsyth County Georgia | 14 | $ 3,797,000 | $ 271,000 | $ 93,000 |
| Paulding County Georgia | 12 | $ 1,379,000 | $ 114,000 | $ 64,000 |
| Spalding County Georgia | 11 | $ 1,224,000 | $ 111,000 | $ 114,000 |
| Chilton County Alabama | 10 | $ 1,107,000 | $ 110,000 | $ 73,000 |
| Hall County Georgia | 9 | $ 1,004,000 | $ 111,000 | $ 22,000 |
| Carroll County Georgia | 7 | $ 755,000 | $ 107,000 | $ 358,000 |
| Douglas County Georgia | 7 | $ 758,000 | $ 108,000 | $ 12,000 |
| Jefferson County Alabama | 6 | $ 778,000 | $ 129,000 | $ 19,000 |
| Newton County Georgia | 6 | $ 648,000 | $ 108,000 | $ 12,000 |
| Guilford County North Carolina | 6 | $ 541,000 | $ 90,000 | $ 22,000 |
| Pike County Georgia | 5 | $ 686,000 | $ 137,000 | $ 71,000 |
| Nassau County Florida | 4 | $ 890,000 | $ 222,000 | $ 109,000 |
| Bibb County Georgia | 4 | $ 431,000 | $ 107,000 | $ 39,000 |
| Chatham County Georgia | 4 | $ 481,000 | $ 120,000 | $ 25,000 |
| Clarke County Georgia | 4 | $ 510,000 | $ 127,000 | $ 211,000 |
| Clayton County Georgia | 4 | $ 497,000 | $ 124,000 | $ 70,000 |
| Haralson County Georgia | 4 | $ 722,000 | $ 180,000 | $ 57,000 |
| Taylor County Georgia | 4 | $ 260,000 | $ 65,000 | $ 41,000 |
| Baldwin County Alabama | 3 | $ 824,000 | $ 274,000 | $ 0 |
| Bartow County Georgia | 3 | $ 1,264,000 | $ 421,000 | $ 163,000 |
| Catoosa County Georgia | 3 | $ 266,000 | $ 88,000 | $ 52,000 |
| Muscogee County Georgia | 3 | $ 393,000 | $ 131,000 | $ 15,000 |
| Rockdale County Georgia | 3 | $ 374,000 | $ 124,000 | $ 7,000 |
| Mecklenburg County North Carolina | 3 | $ 183,000 | $ 61,000 | $ 65,000 |
| Dallas County Alabama | 2 | $ 119,000 | $ 59,000 | $ 0 |
| Morgan County Alabama | 2 | $ 139,000 | $ 69,000 | $ 0 |
| Shelby County Alabama | 2 | $ 330,000 | $ 165,000 | $ 38,000 |
| Brevard County Florida | 2 | $ 800,000 | $ 400,000 | $ 105,000 |
| Lee County Florida | 2 | $ 211,000 | $ 105,000 | $ 114,000 |
| Barrow County Georgia | 2 | $ 456,000 | $ 228,000 | $ 20,000 |
| Lumpkin County Georgia | 2 | $ 259,000 | $ 129,000 | $ 127,000 |
| Monroe County Georgia | 2 | $ 234,000 | $ 117,000 | $ 45,000 |
| Troup County Georgia | 2 | $ 175,000 | $ 87,000 | $ 32,000 |
| Washington County Georgia | 2 | $ 359,000 | $ 179,000 | $ 51,000 |
| Durham County North Carolina | 2 | $ 320,000 | $ 160,000 | $ 0 |
| Shelby County Tennessee | 2 | $ 209,000 | $ 104,000 | $ 24,000 |
| Barbour County Alabama | 1 | $ 470,000 | $ 470,000 | $ 0 |
| Calhoun County Alabama | 1 | $ 30,000 | $ 30,000 | $ 0 |
| Clay County Alabama | 1 | $ 28,000 | $ 28,000 | $ 0 |
| Dale County Alabama | 1 | $ 106,000 | $ 106,000 | $ 0 |
| Henry County Alabama | 1 | $ 189,000 | $ 189,000 | $ 0 |
| Lee County Alabama | 1 | $ 99,000 | $ 99,000 | $ 0 |
| Tallapoosa County Alabama | 1 | $ 315,000 | $ 315,000 | $ 240,000 |
| Bay County Florida | 1 | $ 275,000 | $ 275,000 | $ 279,000 |
| Charlotte County Florida | 1 | $ 71,000 | $ 71,000 | $ 0 |
| Duval County Florida | 1 | $ 680,000 | $ 680,000 | $ 425,000 |
| Baldwin County Georgia | 1 | $ 149,000 | $ 149,000 | $ 0 |
| Bryan County Georgia | 1 | $ 59,000 | $ 59,000 | $ 0 |
| Butts County Georgia | 1 | $ 204,000 | $ 204,000 | $ 61,000 |
| Colquitt County Georgia | 1 | $ 343,000 | $ 343,000 | $ 0 |
| Dawson County Georgia | 1 | $ 200,000 | $ 200,000 | $ 0 |
| Decatur County Georgia | 1 | $ 62,000 | $ 62,000 | $ 0 |
| Fannin County Georgia | 1 | $ 780,000 | $ 780,000 | $ 0 |
| Floyd County Georgia | 1 | $ 56,000 | $ 56,000 | $ 22,000 |
| Hancock County Georgia | 1 | $ 320,000 | $ 320,000 | $ 290,000 |
| Harris County Georgia | 1 | $ 112,000 | $ 112,000 | $ 101,000 |
| Jones County Georgia | 1 | $ 56,000 | $ 56,000 | $ 0 |
| Lamar County Georgia | 1 | $ 110,000 | $ 110,000 | $ 55,000 |
| Laurens County Georgia | 1 | $ 84,000 | $ 84,000 | $ 61,000 |
| Morgan County Georgia | 1 | $ 411,000 | $ 411,000 | $ 0 |
| Murray County Georgia | 1 | $ 100,000 | $ 100,000 | $ 0 |
| Peach County Georgia | 1 | $ 20,000 | $ 20,000 | $ 29,000 |
| Talbot County Georgia | 1 | $ 100,000 | $ 100,000 | $ 0 |
| Walton County Georgia | 1 | $ 48,000 | $ 48,000 | $ 35,000 |
| White County Georgia | 1 | $ 139,000 | $ 139,000 | $ 55,000 |
| Harnett County North Carolina | 1 | $ 61,000 | $ 61,000 | $ 43,000 |
| Hoke County North Carolina | 1 | $ 74,000 | $ 74,000 | $ 32,000 |
| Johnston County North Carolina | 1 | $ 250,000 | $ 250,000 | $ 131,000 |
| Pasquotank County North Carolina | 1 | $ 62,000 | $ 62,000 | $ 25,000 |
| Stanly County North Carolina | 1 | $ 52,000 | $ 52,000 | $ 24,000 |
| Wake County North Carolina | 1 | $ 84,000 | $ 84,000 | $ 38,000 |
| Chester County South Carolina | 1 | $ 96,000 | $ 96,000 | $ 44,000 |
| Richland County South Carolina | 1 | $ 93,000 | $ 93,000 | $ 0 |
| Bradley County Tennessee | 1 | $ 415,000 | $ 415,000 | $ 140,000 |
| Marion County Tennessee | 1 | $ 183,000 | $ 183,000 | $ 17,000 |
| Montgomery County Tennessee | 1 | $ 89,000 | $ 89,000 | $ 76,000 |
| Tipton County Tennessee | 1 | $ 103,000 | $ 103,000 | $ 0 |
Mortgage Loan Application Detail Totals for Southcrest Bank in 2015
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 | 333 | $53,328,000 | $160,000 | $780,000 | $61,000 | $781,000 |
| Refinancing | 288 | $39,886,000 | $138,000 | $1,425,000 | $88,000 | $1,487,000 |
| Home Improvement | 5 | $449,000 | $89,000 | $250,000 | $75,000 | $108,000 |
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 | 359 | $54,363,000 | $151,000 | $1,425,000 | $93,000 | $781,000 |
| Not applicable | 129 | $19,632,000 | $152,000 | $780,000 | $17,000 | $760,000 |
| Black or African American | 71 | $8,904,000 | $125,000 | $523,000 | $69,000 | $462,000 |
| Not Provided | 46 | $8,269,000 | $179,000 | $790,000 | $90,000 | $1,487,000 |
| Hispanic | 15 | $1,237,000 | $82,000 | $331,000 | $53,000 | $138,000 |
| Asian | 5 | $1,059,000 | $211,000 | $320,000 | $105,000 | $176,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $199,000 | $199,000 | $199,000 | $58,000 | $58,000 |
| 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) | 519 | $76,921,000 | $148,000 | $1,425,000 | $77,000 | $1,487,000 |
| FHA-insured (Federal Housing Administration) | 69 | $10,935,000 | $158,000 | $349,000 | $56,000 | $193,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 19 | $2,169,000 | $114,000 | $172,000 | $39,000 | $69,000 |
| VA-guaranteed (Veterans Administration) | 19 | $3,638,000 | $191,000 | $353,000 | $73,000 | $139,000 |
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 | 319 | $47,565,000 | $149,000 | $1,425,000 | $105,000 | $1,487,000 |
| Loan Purchased By The Institution | 117 | $17,967,000 | $153,000 | $780,000 | $0 | $0 |
| Application Withdrawn By Applicant | 102 | $15,737,000 | $154,000 | $790,000 | $63,000 | $412,000 |
| Application Denied By Financial Institution | 69 | $9,617,000 | $139,000 | $675,000 | $66,000 | $781,000 |
| File Closed For Incompleteness | 19 | $2,777,000 | $146,000 | $315,000 | $79,000 | $153,000 |
| Application Approved But Not Accepted | 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 | 40 | $5,592,000 | $139,000 | $675,000 | $74,000 | $781,000 |
| Debt-To-Income Ratio | 17 | $2,447,000 | $143,000 | $417,000 | $52,000 | $263,000 |
| Collateral | 7 | $1,090,000 | $155,000 | $326,000 | $92,000 | $294,000 |
| Other | 3 | $265,000 | $88,000 | $139,000 | $22,000 | $38,000 |
| Unverifiable Information | 1 | $100,000 | $100,000 | $100,000 | $33,000 | $33,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $123,000 | $123,000 | $123,000 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Southcrest Bank's 2015 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 Southcrest 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.
For a list of all lenders in Georgia, download the full spreadsheet
with aggregated HMDA statistics today.