South Coast Bank And Trust Mortgage Rates, Fees & Info
BRUNSWICK, GALEI: 254900IVR37DW5QD1I94
Tax ID: 58-0509268
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Mortgage Data
Review & Overview
South Coast Bank And Trust is a smaller bank specializing in Refi and Home Purchase loans. South Coast Bank And Trust has a high proportion of conventional loans. Their top two markets are Brunswick and Jacksonville .South Coast Bank And Trust has an above average approval rate when compared to the average across all lenders. They have an above average pick rate when compared to similar lenders.
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Originations
44Origination Dollar Volume (All Markets)
$10,080,000Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| BRUNSWICK, GA (FHA|USDA|VA) | 43 | $9,795,000 | $227,791 | $0 | 0.00% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 44 | $10,080,000 | $229,091 | $0 | 0.00% |
For 2018, South Coast Bank And Trust's most frequently originated type of loan was Conventional, with 44 originations.
Loan Reason
For 2018, South Coast Bank And Trust's most frequently cited loan purpose was Refi, with 23 originations. The 2nd most popular reason was Home Purchase, with 16 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 44 | $10,080,000 | $229,091 | $0 | 0.00% |
For 2018, South Coast Bank And Trust's most frequently cited loan duration was Other, with 44 originations.
Loan Sizing
2018 saw South Coast Bank And Trust place emphasis on $100,000 or less loans with 14 originations, totaling $650,000 in origination value.
Applicant Income
South Coast Bank And Trust lent most frequently to those with incomes in the $250k+ range, with 10 originations. The second most popular income band? $150k-250k, with 7 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 44 | $10,080,000 | $229,091 | $0 | 0.00% |
South Coast Bank And Trust lent most frequently to those with DTI ratios of Exempt%, with 44 originations.
Ethnicity Mix
| Applicant Ethnicity | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Not applicable | 16 | $5,140,000 | $321,250 | $0 | 0.00% |
| White | 28 | $4,940,000 | $176,429 | $0 | 0.00% |
Approval Rates
Total approvals of all applications90.38%
South Coast Bank And Trust has an average approval rate.
Pick Rate
Approvals leading to origination93.18%
South Coast Bank And Trust has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 44 | $10,080,000 | $229,091 |