Lender profile · HMDA 2023–2025
South Central Bank, Inc. mortgage approval rates & lending data
South Central Bank, Inc. decided 1,870 mortgage applications and funded 1,720 loans across the 616 counties Fat Boy Data covers, 2023–2025.
Approval by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 96% | 638 / 668 | 95% | $235K | 607 |
| Home improvement loans | 92% | 318 / 344 | 100% | $55K | 318 |
| Cash-out refinance | 71% | 57 / 80 | 93% | $175K | 53 |
| Refinance | 97% | 402 / 416 | 97% | $95K | 391 |
| Investment property purchase | 98% | 257 / 263 | 99% | $155K | 255 |
| Investment refinance | 100% | 65 / 65 | 97% | $185K | 63 |
South Central Bank, Inc. lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Kentucky | 95% | $155K | 1,770 | 1,626 |
| Tennessee | 93% | $425K | 46 | 43 |
| Indiana | 100% | $135K | 18 | 18 |
| Florida | 94% | $575K | 16 | 14 |
| Ohio | 100% | $215K | 8 | 7 |
| Alabama | 100% | $115K | 4 | 4 |
| North Carolina | 100% | $255K | 2 | 2 |
| South Carolina | 100% | $35K | 2 | 2 |
| Oregon | 100% | $115K | 1 | 1 |
| Pennsylvania | 100% | $355K | 1 | 1 |
| Texas | 100% | $455K | 1 | 1 |
| Virginia | 100% | $75K | 1 | 1 |
Covers the 616 counties in the Fat Boy Data footprint, which is 79.6% of the US population — not every county in each state. Methodology.