South Central Bank, Inc. mortgage approval rate & lending review
South Central Bank, Inc. decided 1,870 mortgage applications and funded 1,720 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions South Central Bank, Inc. reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
South Central Bank, Inc. at a glance
Approval is 15.7 points above the 78.9% national rate for the same mix of loan types.
Approval rates 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
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where South Central Bank, Inc. lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Hardin County, KY | Mortgage lenders | 97% | 325 | 298 |
| Warren County, KY | Refinance | 98% | 215 | 207 |
| Warren County, KY | Home improvement loans | 93% | 206 | 191 |
| Warren County, KY | Mortgage lenders | 95% | 167 | 151 |
| Hardin County, KY | Refinance | 92% | 93 | 80 |
| Hardin County, KY | Investment property purchase | 98% | 65 | 64 |
| Daviess County, KY | Refinance | 100% | 57 | 57 |
| Hardin County, KY | Home improvement loans | 96% | 54 | 52 |
| Warren County, KY | Investment property purchase | 96% | 54 | 51 |
| Daviess County, KY | Investment property purchase | 100% | 50 | 49 |
| Daviess County, KY | Mortgage lenders | 92% | 52 | 46 |
| Daviess County, KY | Home improvement loans | 85% | 48 | 41 |
The county markets where South Central Bank, Inc. made the most loans. Each link opens that market with every lender ranked.
Questions about South Central Bank, Inc.
What is South Central Bank, Inc.'s mortgage approval rate?
South Central Bank, Inc. approved 94.7% of the 1,870 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 15.7 points above the 78.9% national rate for the same mix of loan types.
How often do borrowers take the loan South Central Bank, Inc. offers?
Borrowers accepted 97% of the loans South Central Bank, Inc. approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does South Central Bank, Inc. make?
The typical home purchase mortgage loan South Central Bank, Inc. made was $235K; across all loan types its typical loan ran from $55K to $235K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does South Central Bank, Inc. lend?
South Central Bank, Inc. decided applications in 12 of the states Fat Boy Data covers, most of them in Kentucky, Tennessee and Indiana.
Can I apply to South Central Bank, Inc. directly?
Yes. South Central Bank, Inc. is a bank or credit union with 27 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show South Central Bank, Inc.'s interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how South Central Bank, Inc. treats applications, then get a rate quote from the lender.