The Southern Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2019
The Southern Credit Union 2019 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 | The Southern Credit Union 430 East Lanier Avenue Fayetteville, GA 30214 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 2016 2015 2013 |
| Total Number of Mortgage Applications | 218 |
| Total Mortgage Loan Application Amount | $34,740,000 |
| Average Mortgage Loan Application Amount | $152,500 |
| Highest Mortgage Loan Application Amount | $745,000 |
| Average Applicant Income | $133,000 |
| Highest Applicant Income | $3,268,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2019 with The Southern Credit Union. 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 The Southern Credit Union's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2019 breaks down The Southern Credit Union'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 The Southern Credit Union serves its applicants.
Each category highlights the total number of mortgage applications processed by The Southern Credit Union, 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 The Southern Credit Union's mortgage activity for 2019.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Fayette County Georgia | 37 | $ 7,605,000 | $ 205,000 | $ 131,000 |
| Coweta County Georgia | 30 | $ 4,960,000 | $ 165,000 | $ 229,000 |
| Spalding County Georgia | 22 | $ 2,260,000 | $ 102,000 | $ 93,000 |
| Henry County Georgia | 20 | $ 3,700,000 | $ 185,000 | $ 100,000 |
| Troup County Georgia | 18 | $ 1,500,000 | $ 83,000 | $ 98,000 |
| Clayton County Georgia | 15 | $ 1,175,000 | $ 78,000 | $ 65,000 |
| Pike County Georgia | 13 | $ 2,595,000 | $ 199,000 | $ 109,000 |
| Fulton County Georgia | 9 | $ 1,885,000 | $ 209,000 | $ 132,000 |
| Cobb County Georgia | 5 | $ 875,000 | $ 175,000 | $ 124,000 |
| Butts County Georgia | 3 | $ 115,000 | $ 38,000 | $ 58,000 |
| Carroll County Georgia | 3 | $ 275,000 | $ 91,000 | $ 28,000 |
| Heard County Georgia | 3 | $ 265,000 | $ 88,000 | $ 81,000 |
| Chambers County Alabama | 2 | $ 190,000 | $ 95,000 | $ 121,000 |
| Winston County Alabama | 2 | $ 480,000 | $ 240,000 | $ 285,000 |
| DeKalb County Georgia | 2 | $ 1,100,000 | $ 550,000 | $ 510,000 |
| Fannin County Georgia | 2 | $ 490,000 | $ 245,000 | $ 155,000 |
| Gwinnett County Georgia | 2 | $ 130,000 | $ 65,000 | $ 178,000 |
| Harris County Georgia | 2 | $ 510,000 | $ 255,000 | $ 221,000 |
| Lamar County Georgia | 2 | $ 210,000 | $ 105,000 | $ 100,000 |
| Lee County Alabama | 1 | $ 655,000 | $ 655,000 | $ 249,000 |
| Broward County Florida | 1 | $ 65,000 | $ 65,000 | $ 69,000 |
| Lee County Florida | 1 | $ 25,000 | $ 25,000 | $ 177,000 |
| Santa Rosa County Florida | 1 | $ 125,000 | $ 125,000 | $ 197,000 |
| Effingham County Georgia | 1 | $ 195,000 | $ 195,000 | $ 140,000 |
| Marion County Georgia | 1 | $ 85,000 | $ 85,000 | $ 51,000 |
| Monroe County Georgia | 1 | $ 75,000 | $ 75,000 | $ 77,000 |
| Polk County Georgia | 1 | $ 175,000 | $ 175,000 | $ 127,000 |
| Rockdale County Georgia | 1 | $ 35,000 | $ 35,000 | $ 83,000 |
| Upson County Georgia | 1 | $ 135,000 | $ 135,000 | $ 52,000 |
| Wayne County Mississippi | 1 | $ 55,000 | $ 55,000 | $ 181,000 |
| Hamilton County Tennessee | 1 | $ 105,000 | $ 105,000 | $ 73,000 |
Mortgage Loan Application Detail Totals for The Southern Credit Union in 2019
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 |
|---|---|---|---|---|---|---|
| Cash-out Refinancing | 83 | $12,685,000 | $152,000 | $745,000 | $91,000 | $216,000 |
| Home Purchase | 52 | $11,760,000 | $226,000 | $665,000 | $187,000 | $3,268,000 |
| Refinancing | 46 | $8,740,000 | $190,000 | $695,000 | $134,000 | $905,000 |
| Other Purpose | 37 | $1,555,000 | $42,000 | $95,000 | $120,000 | $368,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 123 | $20,135,000 | $163,000 | $695,000 | $126,000 | $905,000 |
| Not Provided | 69 | $11,305,000 | $163,000 | $745,000 | $148,000 | $3,268,000 |
| Black or African American | 24 | $3,080,000 | $128,000 | $425,000 | $85,000 | $208,000 |
| Hispanic | 1 | $115,000 | $115,000 | $115,000 | $58,000 | $58,000 |
| Asian | 1 | $105,000 | $105,000 | $105,000 | $65,000 | $65,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 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) | 212 | $33,480,000 | $157,000 | $745,000 | $129,000 | $3,268,000 |
| VA-guaranteed (Veterans Administration) | 4 | $1,060,000 | $265,000 | $435,000 | $91,000 | $181,000 |
| FHA-insured (Federal Housing Administration) | 2 | $200,000 | $100,000 | $135,000 | $145,000 | $263,000 |
| 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 |
|---|---|---|---|---|---|---|
| Loan Originated | 100 | $14,540,000 | $145,000 | $695,000 | $159,000 | $3,268,000 |
| Application Withdrawn By Applicant | 62 | $9,850,000 | $158,000 | $655,000 | $100,000 | $290,000 |
| Application Denied By Financial Institution | 38 | $6,140,000 | $161,000 | $745,000 | $85,000 | $263,000 |
| Application Approved But Not Accepted | 18 | $4,210,000 | $233,000 | $435,000 | $146,000 | $364,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 218 | $34,740,000 | $159,000 | $745,000 | $128,000 | $3,268,000 |
| 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 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into The Southern Credit Union's 2019 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 The Southern Credit Union'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.